Listing Report:Supplement No. 54 dated Feb 08, 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 534108
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: $4,500.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $154.87
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 8.06%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1995 Debt/Income ratio: 22%
Credit score: 640-659 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 40 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,646Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: fantastic-social Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
760-779 (Dec-2010)
 
Principal balance: $1,450.55 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
debt consolidation and car repair
Purpose of loan:
This loan will be used to...pay off credit cards and repair on my car

My financial situation:
I am a good candidate for this loan because...I have steady employment same job for over 8 yrs


Monthly net income: $2500.00
Monthly expenses: $
Housing: $800.00
Insurance: $130.00
Car expenses: $128.00
Utilities: $50
Phone, cable, internet: $125.00
Food, entertainment: $50
Clothing, household expenses: $100.00
Credit cards and other loans: $225.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544990
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 11.77% Monthly payment: $238.46
 
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: Aug-2001 Debt/Income ratio: 14%
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 16 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,241Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: No  
Screen name: hard-working-integrity Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 27 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2009)
 
Principal balance: $287.69 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
One last consolidation and I'm free
Purpose of loan:
This loan will be used to consolidate all of my remaining credit card debt. It has been a long and hard road so far, but I'm getting things paid down and it is feeling great. My credit score keeps going up each month and every time I breathe a sigh of relief. This loan will greatly speed up my ability to become totally debt free! Thank you in advance for helping this dream come true!

My financial situation:
I am a good candidate for this loan because I have a very solid job as a Software Engineer at Hemisphere GPS here in Scottsdale, Arizona. I'm an excellent employee, one of the top tier engineers there. I beat out 9 other candidates when I applied for this job, and I've made myself quite valuable there over the last year and three months.

My income has gone up every year since I started working, and I intend to keep that trend going. I work incredibly hard and I take care of all of my financial obligations.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556238
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
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: Nov-1989 Debt/Income ratio: 19%
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:9y 4m
Amount delinquent: $39,028 Total credit lines: 42 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,193Stated income:$50,000-$74,999
Delinquencies in last 7y: 42 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: transparency-sensor7 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
Pay bills
Purpose of loan:
This loan will be used to...

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


Monthly net income: $70000
Monthly expenses: $30000
Housing: $15000
Insurance: $4200
Car expenses: $0
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $500
Credit cards and other loans: $14000
Other expenses: $10000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556302
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
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: May-1986 Debt/Income ratio: 44%
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,052Stated income:$1-$24,999
Delinquencies in last 7y: 26 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: blissful-euro1 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
HVAC repair
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1400.00
Monthly expenses: $
Housing: $330.00
Insurance: $35.00
Car expenses: $0
Utilities: $150.00
Phone, cable, internet: $100.00
Food, entertainment: $200.00
Clothing, household expenses: $25.00
Credit cards and other loans: $215.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556818
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: $4,500.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.50%  
Term: 36 months  
 
Lender yield: 5.49% Borrower rate/APR: 6.49% / 6.83% Monthly payment: $137.90
 
Lender servicing fee: 1.00% Effective Yield*: 5.49%  
Estimated return*: 3.99%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: May-2005 Debt/Income ratio: 8%
Credit score: 780-799 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 17 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,526Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: jgoncapi Borrower's state: NorthCarolina Borrower's group: SUNGROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate credit card debt.

My financial situation:
I am a good candidate for this loan because I have significant assets to support the loan. Also, my credit history demostrate that I am very disciplined in keeping my bills up-to-date with delays on my payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556912
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: A Listing Duration: 14 days
Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $64.52
 
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: Mar-1984 Debt/Income ratio: 15%
Credit score: 820-839 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:18y 8m
Amount delinquent: $0 Total credit lines: 21 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,162Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: useful-market91 Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate Credit Cards
Purpose of loan:
This loan will be used to pay off my credit cards and simplify my financials by only having one monthly payment.

My financial situation:
I am a good candidate for this loan because I have 25 years of excellent credit history. I can only think of one time in my life that I was late on a payment and this happened because for some reason my bill never arrived in the mail.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
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: Aug-1995 Debt/Income ratio: 21%
Credit score: 680-699 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 10Length of status:6y 9m
Amount delinquent: $55 Total credit lines: 29 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,329Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: enjoyment785 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
Bill consilidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1300
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 556980
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
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: Aug-2010 Debt/Income ratio: 42%
Credit score: 680-699 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 2 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: compassion-bearer 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
Funds for a automobile
Purpose of loan:
This loan will be used to...
Purchase a car, so i can get to work easily and visit my family more often.
My financial situation:
I am a good candidate for this loan because...
I have a job, i can make the payments, and if possible pay off the loan as soon as possible. and im getting more hours now so ill be making alot more

Monthly net income: $ 1000
Monthly expenses: $600
Housing: $500
Insurance: 0
Car expenses: $0
Utilities: $60
Phone, cable, internet: $50
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556992
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
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1998 Debt/Income ratio: 19%
Credit score: 760-779 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 14Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 70 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,886Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: raker79 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
Eager to Succeed
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
Monthly expenses: $1000
Housing: $500
Insurance: $135
Car expenses: $150
Utilities: $200
Phone, cable, internet: $95
Food, entertainment: $400
Clothing, household expenses: $900
Credit cards and other loans: $1500
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557072
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
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: May-1999 Debt/Income ratio: 32%
Credit score: 760-779 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 23 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,262Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: liberty-bluebird5 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to...pay off past due HOA dues and assessments

My financial situation:
I am a good candidate for this loan because...Although I had a near foreclosure in 2010 I have been able to keep current with my mortgage and other financial responsibilities since then. My wages at my current position enable me to do this. My car is due to be paid off in April 2012 which will open up additional funds to help in making payments on time.


Monthly net income: $2300.00
Monthly expenses: $
Housing: $600.00
Insurance: $
Car expenses: $550.00 (car due to be paid off in April 2012)
Utilities: $225
Phone, cable, internet: $160
Food, entertainment: $125
Clothing, household expenses: $
Credit cards and other loans: $265
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557110
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
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $395.79
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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-2002 Debt/Income ratio: 22%
Credit score: 760-779 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 15 Occupation: Religious
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $332Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: tenacious-agreement2 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557140
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $96.79
 
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: Sep-1994 Debt/Income ratio: 9%
Credit score: 780-799 (Feb-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,850Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: listing-scrutinzer7 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
Pay off a higher interest loan
Purpose of loan:
This loan will be used to pay off a higher interest loan.

My financial situation:
I am a good candidate for this loan because I pay on time, hate to have bad credit and my goal is to become debt free.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557158
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: $2,600.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $89.48
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 8.06%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-1985 Debt/Income ratio: 28%
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:20y 5m
Amount delinquent: $0 Total credit lines: 22 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,138Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: profitable-deal7 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 22 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,600.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2011)
700-719 (Mar-2010)
 
Principal balance: $1,741.60 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
loan payoff/son,s wedding/lower %
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557204
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
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: Oct-1992 Debt/Income ratio: Not calculated
Credit score: 760-779 (Feb-2012) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:11y 8m
Amount delinquent: $0 Total credit lines: 25Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,094 
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: self-reliant-exchange473 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement 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: $1,305
Monthly expenses: $305
Housing: $450
Insurance: $125
Car expenses: $
Utilities: $
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557224
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
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): 4 First credit line: Jul-2006 Debt/Income ratio: 63%
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:8y 9m
Amount delinquent: $0 Total credit lines: 27 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $950Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: felicity-gyration 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
pay bills
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557260
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
Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 8.06%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1997 Debt/Income ratio: 14%
Credit score: 680-699 (Feb-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:14y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,436Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: wizardii Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 15 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,051.00< 31 days late: 0 ( 0% )  
700-719 (Nov-2010)
620-639 (Mar-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Big Plans for Home improvement!
Purpose of loan:
Planning on adding a home office so I can continue to grow my home business.

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

I have a long term stable day Job and a profitable home business.


Monthly net income: $4500
Monthly expenses: $
Housing: $2100
Insurance: $115
Car expenses: $0
Utilities: $250
Phone, cable, internet: $85
Food, entertainment: $250
Clothing, household expenses: $200
Credit cards and other loans: $450
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557272
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $120.46
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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-1995 Debt/Income ratio: 17%
Credit score: 640-659 (Jan-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,410Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: brilliant-generosity6 Borrower's state: Oregon 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 for heaterup grad
Purpose of loan:
This loan will be used to...up grad my heater so the heating is not so high like now it is 400. dallars a month and the up grad cut my bill by 2/3 rds per month.

My financial situation: i am on a fixed income can't afford a big bill like that.
I am a good candidate for this loan because...i can pay smaller payment better than the larger one and allways pay my bill's


Monthly net income: $14928.
Monthly expenses: $1174.50
Housing: $ home is payed for the space rent is 274.
Insurance: $ car and home payment is 96.00
Car expenses:gas and oil is about 60.00 per month $
Utilities: $ele is 400.00 a month and thats why i need this loan to cut it by 2/3 ar's wthat i pay now
Phone, cable, internet: $49.50
Food, entertainment: $ about 80.00 per month
Clothing, household expenses: $ 50.00 per month
Credit cards and other loans: $150.00 per month
Other expenses: $dog food about 15.00 per month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557276
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
Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 8.06%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-1994 Debt/Income ratio: Not calculated
Credit score: 780-799 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,060Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: bigeasyfoodco Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
780-799 (Oct-2011)
780-799 (Sep-2011)
800-819 (May-2010)
840-859 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Pay off start up business debt.
Purpose of loan:
This loan will be used to pay off the debt incurred from my start up New Orleans food business.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time. My husband supports my family.


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 557290
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: A Listing Duration: 14 days
Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 12.96% Borrower rate/APR: 13.96% / 15.78% Monthly payment: $185.98
 
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: Jun-1991 Debt/Income ratio: 15%
Credit score: 780-799 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:20y 1m
Amount delinquent: $0 Total credit lines: 10 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: best-witty-integrity Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to...help my son fix a home.

My financial situation:
I am a good candidate for this loan because...I am reliable.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557296
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
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): 4 First credit line: Dec-1987 Debt/Income ratio: 45%
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 18Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 80 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $69,966Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: marketplace-motivator9 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
REPLACE MOTOR IN MY CAR
Purpose of loan:
This loan will be used to...

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


Monthly net income: $9282.00
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 557372
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: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $240.91
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1998 Debt/Income ratio: 27%
Credit score: 740-759 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 32 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,444Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: return-cocktail7 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidation loan
Purpose of loan:
This loan will be used to.. consolidate higher interest cards.

My financial situation:
I am a good candidate for this loan because..I have a good job and in good credit rating with my creditors.


Monthly net income: $4600.00
Monthly expenses: $325.00
Housing: $900.00
Insurance: $114.00
Car expenses: $0
Utilities: $65.00
Phone, cable, internet: $26.00
Food, entertainment: $48.00
Clothing, household expenses: $205.00
Credit cards and other loans: $1000
Other expenses: $109
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557378
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
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): 5 First credit line: Mar-1998 Debt/Income ratio: 7%
Credit score: 660-679 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:3y 4m
Amount delinquent: $983 Total credit lines: 12 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,009Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: balanced-economy8 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
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 550651
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
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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: 20%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:26y 3m
Amount delinquent: $0 Total credit lines: 28 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,256Stated income:$50,000-$74,999
Delinquencies in last 7y: 44 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: generosity-american0 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
motorcycle
Purpose of loan:
This loan will be used to...

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


Monthly net income: $6800
Monthly expenses: $3358
Housing: $1050
Insurance: $128
Car expenses: $600
Utilities: $250
Phone, cable, internet: $110
Food, entertainment: $600
Clothing, household expenses: $200
Credit cards and other loans: $120
Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 555801
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
Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $561.21
 
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: Aug-1973 Debt/Income ratio: 32%
Credit score: 780-799 (Feb-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:27y 4m
Amount delinquent: $350 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $58Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: liberty-aficionado3 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.
Description
personal
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556393
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
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): 9 First credit line: Oct-1990 Debt/Income ratio: 14%
Credit score: 760-779 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:14y 7m
Amount delinquent: $0 Total credit lines: 53 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,666Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: bold-inspiring-pound Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to consolidate higher interest debt. Those accounts will be closed.

My financial situation:
I am a good candidate for this loan because I always pay my debts. I have stable employment, and a good salary. Currently I am also a manager of the corporation.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556751
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
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: Apr-2007 Debt/Income ratio: 18%
Credit score: 660-679 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,920Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: tenacious-truth8 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.
Description
starting new business
Purpose of loan:
This loan will be used to..Start up hair salon studio.Purchase equipment ,products and other items to start up., also used as starting capital.

My financial situation:
I purchase my first home in 2008, I was 19 tears old. I was taught to be very responsible and save my earning. I have been in the hair styling business for 5 years and have a very good client list. I believe it is my time to branch out on my own.


Monthly net income: $7500.00
Monthly expenses: $200.00
Housing: $1600.00
Insurance: $100.00
Car expenses: $50.00
Utilities: $175.00
Phone, cable, internet: $150.00
Food, entertainment: $300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $40.00
Other expenses: $
misc. 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556803
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
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: Oct-1988 Debt/Income ratio: 9%
Credit score: 760-779 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 6 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,022Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: income-champ4 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement and Newly Wed Loan
Purpose of loan:
This loan will be used to... Home Improvements and Funds for past wedding.

My financial situation:
I am a good candidate for this loan because...I recently got married in October and purchased a home (Purchased home in June 09)that I would like to make some home improvements. I have well paying job but I would like to pay the lump sum of the improvement and make prompt monthly payments.

Monthly net income: $3900
Monthly expenses: $2400
Housing: $1200
Insurance: $ 40 (Company Car)
Car expenses: $( Company Car- All expenses paid)
Utilities: $250
Phone, cable, internet: $150( Company Phone Reimbursed)
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556839
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.20%  
Term: 12 months  
 
Lender yield: 23.43% Borrower rate/APR: 24.43% / 34.48% Monthly payment: $284.30
 
Lender servicing fee: 1.00% Effective Yield*: 22.37%  
Estimated return*: 8.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-2001 Debt/Income ratio: 36%
Credit score: 640-659 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:24y 1m
Amount delinquent: $0 Total credit lines: 17 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,615Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: interest-bada-bing Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying small debt
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556875
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
Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $561.21
 
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: Sep-1992 Debt/Income ratio: 22%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 26 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,566Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: impeccable-fairness71 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolodation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556903
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
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1987 Debt/Income ratio: 28%
Credit score: 680-699 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,486Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: apple27 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
ConsolidateMedicalBills
Purpose of loan:
This loan will be used to...Consolidate high-interest medical debt incurred while in graduate school. Interest rates were raised due to amount of debt; no delinquencies.

My financial situation:
I am a good candidate for this loan because...I am in great health, have extremely stable income, and have an exemplary work ethic. I am consolidating in order to pay off debt more quickly and efficiently. Bankruptcy is not in my vocabulary.


Monthly net income: $3200
Housing: none
Insurance: $300
Car expenses: $450
Utilities: $250
Phone, cable, internet: $50
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $1000
Emergency Savings:$200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556911
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $447.41
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1998 Debt/Income ratio: 14%
Credit score: 740-759 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:8y 4m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,241Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: asset-conga5 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home improvements
Purpose of loan: to buy a new air condition plus other repairs
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...I have good credit, make payments on time, I have a job.


Monthly net income: $4,000.00 +$1,600.00 from the rent of two houses at $800.00 each
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 556935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
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): 2 First credit line: Jun-1996 Debt/Income ratio: 31%
Credit score: 680-699 (Feb-2012) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 15Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 40 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $116,183Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: peso-gadget8 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
Auto Repairs
Purpose of loan:
This loan will be used to pay for auto repair work.

My financial situation:
I am a good candidate for this loan because I have a excellent history of paying my debts timely no matter what.


Monthly net income: $6,600
Monthly expenses: $
Housing: $1375
Insurance: $50
Car expenses: $625
Utilities: $180
Phone, cable, internet: $80
Food, entertainment: $250
Clothing, household expenses: $130
Credit cards and other loans: $900
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556959
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
Estimated loss*: 8.50%  
Term: 36 months  
 
Lender yield: 19.24% Borrower rate/APR: 20.24% / 23.99% Monthly payment: $74.57
 
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: Mar-1998 Debt/Income ratio: 18%
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 9Length of status:17y 5m
Amount delinquent: $0 Total credit lines: 53 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,065Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: letsdeal101 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 4 On-time: 29 ( 100% ) 700-719 (Latest)
Principal borrowed: $12,200.00< 31 days late: 0 ( 0% )  
700-719 (Jul-2011)
760-779 (Nov-2009)
660-679 (Jul-2007)
680-699 (Feb-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
New Home Improvements
Purpose of loan:
This loan will be used to...Kitchen upgrade on my new home.

My financial situation:
I am a good candidate for this loan because...Its a short term loan and i have a great history of re payment.


Monthly net income: $6500
Monthly expenses: $
Housing: $ 1827
Insurance: $120
Car expenses: $ 389
Utilities: $325
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $300
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557007
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
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: Mar-2000 Debt/Income ratio: Not calculated
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 42 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,989Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: kindness-washboard4 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
Consolidation Loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557123
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
Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 8.06%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1999 Debt/Income ratio: 53%
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,031Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: moola-paradise Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 15 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,700.00< 31 days late: 0 ( 0% )  
760-779 (Mar-2011)
740-759 (Dec-2009)
700-719 (Aug-2008)
 
Principal balance: $1,727.61 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Pay off credit cards
Purpose of loan:
This loan will be used to...
Pay off my credit cards.

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


Monthly net income: $2300
Monthly expenses: $
Housing: $500
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $90
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557161
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
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: Nov-1998 Debt/Income ratio: 14%
Credit score: 640-659 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 5Length of status:1y 4m
Amount delinquent: $175 Total credit lines: 12 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,664Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: payment-laser5 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557239
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $280.60
 
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-1991 Debt/Income ratio: 18%
Credit score: 640-659 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:9y 6m
Amount delinquent: $0 Total credit lines: 13 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,901Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: djcaesah 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
Working capital loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557269
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: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $187.07
 
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: Jul-1993 Debt/Income ratio: 4%
Credit score: 680-699 (Feb-2012) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:8y 10m
Amount delinquent: $0 Total credit lines: 47 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,515Stated income:$100,000+
Delinquencies in last 7y: 59 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: p2ploan-adventure8 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Attorney Retainer
Purpose of loan: Attorney Retainer
This loan will be used to...
Retain an attorney
My financial situation: good
I am a good candidate for this loan because...no issues with paying it back, employment stability


Monthly net income: $ 8600
Monthly expenses:
Housing: $1650 rent
Insurance: $ 89
Car expenses: $353
Utilities: $200
Phone, cable, internet: $ 50
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557281
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $108.57
 
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-1994 Debt/Income ratio: 41%
Credit score: 680-699 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 17 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,624Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: famous-ore7 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
bill payment
Purpose of loan:
This loan will be used to...taxes

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


Monthly net income: $2200
Monthly expenses: $
Housing: $
Insurance $50
Car expenses: $100
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557287
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
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: Sep-1996 Debt/Income ratio: 10%
Credit score: 820-839 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 6Length of status:1y 8m
Amount delinquent: $40 Total credit lines: 20 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $728Stated income:$100,000+
Delinquencies in last 7y: 8 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: prospector958 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home / Property Improvement
Purpose of loan:
This loan will be used to...
Loan use: landscaping front and back yard, finish basement...add value to house/property...Good borrower: always pay bills on time, take loan obligations seriously...Monthly budget: this along with other fixed expenses will fit well within the monthly budget...Job stability: very stable job/income..

My financial situation:
I am a good candidate for this loan because...
I triple my mortgage payment every month, double car payment...I have a plan to pay off the mortgage within 5 years... I take loans and repayment very seriously (credit score should reflect this). Always on time with payments. Our household income last year was $150,000, this year is expected to be around $180,000... Our actual fixed expenses are less than 2,500/month...bank savings $35,000 cash...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557297
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: $4,500.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $154.87
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1984 Debt/Income ratio: 22%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:22y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,171Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: dedication-harbor Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...
payoff higher credit card APR
My financial situation:
I am a good candidate for this loan because...
i have learned alot about budgeting my income in the recent past and if i may say it's a good feeling

Monthly net income: 3800
Monthly expenses: $ 2100 TOTAL
Housing: $949
Insurance: $125
Car expenses: 200
Clothing, household expenses $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557305
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
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $344.16
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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-1987 Debt/Income ratio: 21%
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:12y 5m
Amount delinquent: $0 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $97,304Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: vigilance-javelin 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
consolidated 2
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557351
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
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): 10 First credit line: Oct-1985 Debt/Income ratio: 8%
Credit score: 760-779 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 36 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $245,943Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: clean-leverage0 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
Interim Loan
Purpose of loan:
This loan will be used to.pay a tax obligation of $25,000.

My financial situation:
I am a good candidate for this loan because I am an attorney who practices in the insolvency and bankruptcy area. For the foreseeable future I will have more work than I can possibly do, and I am paid thirty days net for every dollar billed. Accordingly, my income will remain high - in excess of $400,000. Second my need is temporary and incidental. Last year my personal taxes were higher than anticipated due a substantial increase in my income that was not accounted for in my withholdings, and I had to advance $35,000 for my daughter's wedding. But for this combination, I would not have a short term financing need..
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557369
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
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-2000 Debt/Income ratio: 4%
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:14y 5m
Amount delinquent: $659 Total credit lines: 8 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: archdelux Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off high monthly interest loan

My financial situation:
I am a good candidate for this loan because I am currently paying high interest loans


Monthly net income: $3800
Monthly expenses: $1200
Housing: $350
Insurance: $79
Car expenses: $200
Utilities: $75
Phone, cable, internet: $90
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $560
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 557399
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
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): 9 First credit line: Mar-1995 Debt/Income ratio: 12%
Credit score: 740-759 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 12 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $45,818Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: burgeoning-euro5 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
Credit card paydown
Purpose of loan:
This loan will be used to...pay down high-interest credit card debt

My financial situation:
I am a good candidate for this loan because...I'm earning 6 figures & simply want to eliminate higher interest rate debt
Information in the Description is not verified.