Listing Report:Supplement No. 37 dated Mar 01, 2012 to Prospectus dated Feb 14, 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 Feb 14, 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 Feb 14, 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 550933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 6.50%  
Term: 36 months  
 
Lender yield: 17.74% Borrower rate/APR: 18.74% / 22.46% Monthly payment: $365.25
 
Lender servicing fee: 1.00% Effective Yield*: 17.33%  
Estimated return*: 10.83%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Feb-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:12y 0m
Amount delinquent: $0 Total credit lines: 22 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,489Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: agilitydoc Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 35 ( 100% ) 740-759 (Latest)
Principal borrowed: $9,500.00< 31 days late: 0 ( 0% )  
740-759 (Jan-2008)
720-739 (Feb-2007)
680-699 (Sep-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Veterinary Acupuncture Course
Purpose of loan:
Pay off debt that was accumulated this past year from travelling every month to a course in Veterinary Acupuncture. The course I had already paid for these are just the traveling expenses that have accumulated on the credit card, ie flights, car rental, hotel expenses and meals.

I have had two previous Prosper Loans and I really love the concept. I would rather give personal investors the interest than the credit card companies.

My alternative veterinary practice is doing very well and this course just expanded my service offerings for that business. I run the business as a travelling veterinarian so I have very little overhead. With a gross income of $700 a day and very little in expenses I will have no difficulties paying for this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 556987
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
Minimum Amount to Fund: $3,500 Estimated loss*: 6.50%  
Term: 36 months  
 
Lender yield: 17.74% Borrower rate/APR: 18.74% / 22.46% Monthly payment: $182.62
 
Lender servicing fee: 1.00% Effective Yield*: 17.33%  
Estimated return*: 10.83%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: May-1997 Debt/Income ratio: Not calculated
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $476Stated income:$1-$24,999
Delinquencies in last 7y: 6 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: famous-hope Borrower's state: California Borrower's group: Socorro Capital Partners
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: 7 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,100.00< 31 days late: 0 ( 0% )  
660-679 (Sep-2010)
660-679 (Apr-2010)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Business is expanding
Purpose of loan: Cash infusion into my business
This loan will be used to set up reserves for my business. My revenue has a 60 day turn around time and business is increasing rapidly and I need to pay my assistants on the 1st and 15th.

My financial situation: I have very little debt and very low bills. No lates on anything in years. I have multiple sources of income.
I am a good candidate for this loan because I always pay on time and I will pay this loan off ahead of time. I have already had a loan with Prosper and I paid it off in 6 months.


Monthly net income: $5,000
Monthly expenses: $1,326
Housing: $450
Insurance: $150
Car expenses: $265
Utilities: $50
Phone, cable, internet: $40
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $21
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 560973
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.65%  
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*: 11.50%  
* 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-2003 Debt/Income ratio: 17%
Credit score: 720-739 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 16 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,390Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: green-principal-battalion 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
Starting a New Business
Purpose of loan:
This loan will be used to...for my small business funding including office supplies, renting space for team meetings and traveling cost.

My financial situation:
I am a good candidate for this loan because...I have a stable income and my debt ratio is low, also the loan I am getting for my business will generate a good income.


Monthly net income: $ 5000
Monthly expenses: Total $ 2300
Housing: $ 1100
Insurance: $ 0
Car expenses: $ 0
Utilities: $ 50
Phone, cable, internet: $ 150
Food, entertainment: $ 500
Clothing, household expenses: $ 100
Credit cards monthly payment: $ 300
Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 561055
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: May-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 21 / 20Length of status:17y 4m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $129,060Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: dinero-washboard150 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
cash flow
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 561933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 4.20%  
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*: 9.06%  
* 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: Dec-1994 Debt/Income ratio: 13%
Credit score: 800-819 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 10Length of status:7y 11m
Amount delinquent: $0 Total credit lines: 54 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: Wilhan Borrower's state: Virginia Borrower's group: LendersClub
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: 11 ( 100% ) 800-819 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2011)
800-819 (Jun-2010)
820-839 (Sep-2009)
 
Principal balance: $5,980.32 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Putting an end to the 9-5
Purpose of loan:
This loan will be used to put liquid capital in my new business. After 18 years working in the military and as a contractor, I've decided that now is the time to start my own business and work for myself. I'm starting a venture in a popular and fast-growing field of activity. I have already put up 10K in starting costs to get the process started. This loan will be used to inject some capital into the business to sustain it for the next few months while everything is getting started.

My financial situation:
I am a good candidate for this loan because I have a good record of payment in Prosper. I have a current and previous loan through Prosper and haven't missed any payments. The monthly payment for this loan will be paid for from the profits of the new company.

I also currently have over 5K and growing invested as a Prosper lender.

Thank you for your consideration. As a fellow Prosper lender, I value your trust and confidence in me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563149
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: $11,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $11,000 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $320.80
 
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-1994 Debt/Income ratio: 12%
Credit score: 640-659 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,732Stated income:$25,000-$49,999
Delinquencies in last 7y: 28 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: felicity-taxi 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
Expand of business
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3117
Monthly expenses: $
Housing: $700.00
Insurance: $35.00
Car expenses: $0.00
Utilities: $80.00
Phone, cable, internet: $110.00
Food, entertainment: $100.00
Clothing, household expenses: $50.00
Credit cards and other loans: $120.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563295
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: $14,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 9.90%  
Term: 60 months  
 
Lender yield: 26.05% Borrower rate/APR: 27.05% / 29.68% Monthly payment: $427.91
 
Lender servicing fee: 1.00% Effective Yield*: 25.40%  
Estimated return*: 15.50%  
* 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: Dec-1993 Debt/Income ratio: 21%
Credit score: 660-679 (Feb-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:20y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,256Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: enriching-funds4 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: 11 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2011)
 
Principal balance: $3,157.88 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
pay off debt
Purpose of loan: pay off debt
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...been doing garbage for 25 years great job


Monthly net income: $4500
Monthly expenses: $2500
Housing: $1200
Insurance: $200
Car expenses: $350
Utilities: $200
Phone, cable, internet: $50
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $900 month will cut in half with loan
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563849
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $136.98
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.87%  
* 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-1996 Debt/Income ratio: Not calculated
Credit score: 640-659 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 16 / 15Length of status:1y 1m
Amount delinquent: $35 Total credit lines: 27 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,406Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: blue-benefit-tiramisu 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
Engagement Ring Financing
Purpose of loan:
This loan will be used to...Quickly fund 50% of engagement ring

My financial situation:
I am a good candidate for this loan because...I hold 4 jobs as a Registered Nurse. 1 employment on Per Diem basis, 2 Employed as a Private Nurse Contractor, and 1 as a Seasonal Flu Clinic Nurse in the fall seasons. All 4 employment averages $40/hr part time. I have good credit rating in the mid 700s in all 3 credit reporting bureaus.


Monthly net income: $3000
Monthly expenses: $1500
Housing: $0
Insurance: $0
Car expenses: $300
Utilities: $0
Phone, tv, internet: $0
Food, entertainment: $200
Clothing, household expenses: $250
Credit cards and other loans: $500
Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Feb-2008 Debt/Income ratio: Not calculated
Credit score: 720-739 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: wise-fairness-vibrato 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
Consolidated Loan
Purpose of loan: Consolidate Credit
This loan will be used to...Pay loans off

My financial situation: Good
I am a good candidate for this loan because...I have little to no debt and have little to no expenses


Monthly net income: $1400-3000
Monthly expenses: $300
Housing: $0
Insurance: $75
Car expenses: $0
Utilities: $0
Phone, cable, internet: $50
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $50
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 3.30%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $645.25
 
Lender servicing fee: 1.00% Effective Yield*: 8.97%  
Estimated return*: 5.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-1997 Debt/Income ratio: 10%
Credit score: 820-839 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Dentist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,211Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: benefit-butterfly8 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Funds for Wedding
Purpose of loan: Wedding Loan
This loan will be used to...
help pay for my younger sister's wedding
My financial situation: Good
I am a good candidate for this loan because...I work full time as a dentist and I can pay off this loan in less than 2 years
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564075
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-2001 Debt/Income ratio: 6%
Credit score: 680-699 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:6y 0m
Amount delinquent: $1,739 Total credit lines: 14 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: worthy-dinero7 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan: Debt Consolidation - Moving Expenses

This loan will be used to pay off a tax debt, a small misc debt and cover moving expenses as we are moving to a less expensive apartment. This is simply the jump start we need to get back on track.

My financial situation is stable as I have a steady job & minimal debt & this loan would be used to obsolve any outstanding debt and afford us 1 monthly payment. Beyond the tax debt and the small debt that we are looking to consolidate, I have standard rent, utilities, food & insurance only. I have no car payment or credit cards.

This would be a 2nd chance loan to get my family back on track,. Any assistance would be really appreciated.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564121
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
Minimum Amount to Fund: $4,900 Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $179.47
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.50%  
* 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-1986 Debt/Income ratio: 16%
Credit score: 760-779 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 7Length of status:15y 8m
Amount delinquent: $494 Total credit lines: 38 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,489Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: favorable-income554 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home repair
Purpose of loan:
This loan will be used to...repair leaking bathroom pipes, put new torn down bath tiles, fix water damaged sheetrock on two adjoining bathrooms which were built in 1986.

My financial situation:
I am a good candidate for this loan because...I have a regular income and I can work extra hours if need be.


Monthly net income: $5400.00
Monthly expenses: $
Housing: $0.00(house paid off)
Insurance: $116.00
Car expenses: $0.00
Utilities: $120.00
Phone, cable, internet: $130.00
Food, entertainment: $300.00
Clothing, household expenses: $250.00
Credit cards and other loans: $2400.00
Other expenses: $400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564135
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 9.90%  
Term: 36 months  
 
Lender yield: 21.87% Borrower rate/APR: 22.87% / 26.68% Monthly payment: $386.42
 
Lender servicing fee: 1.00% Effective Yield*: 21.34%  
Estimated return*: 11.44%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1996 Debt/Income ratio: 9%
Credit score: 600-619 (Feb-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 38 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,941Stated income:$100,000+
Delinquencies in last 7y: 24 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: openness-generator Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (Jan-2011)
 
Principal balance: $1,500.24 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564151
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: B Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $275.33
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.61%  
* 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-1987 Debt/Income ratio: 21%
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 11Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 28 Occupation: Architect
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,319Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: scrappy-income7 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Down Payment
Purpose of loan:
This loan will be used to...
for down payment for a home
My financial situation:
I am a good candidate for this loan because...
I pay my debts, I have a stable 6-figure income, I am in a hot career field (information technology) my credit score is on the upswing and constantly improving...a goal of 800 credit score and debt free within 3 years.

Monthly net income: $8750
Monthly expenses: $3800
Housing: $1875
Insurance: $115
Car expenses: $604
Utilities: $135
Phone, cable, internet: $140
Food, entertainment: 75
Clothing, household expenses: $50
Credit cards and other loans: $800
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564153
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,000 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 11.77% Monthly payment: $95.39
 
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: Feb-2004 Debt/Income ratio: 25%
Credit score: 740-759 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,388Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: fervent-bonus5 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
760-779 (Feb-2010)
 
Principal balance: $1,820.20 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Motorcycle Loan
Purpose of loan:
Looking to purchase a new motorcycle this year.

My financial situation:
I am a good candidate for this loan because... I have never been late on a payment, and have always paid my debts. I have good credit, and will have no problem paying this loan off.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564163
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: B Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $86.04
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.61%  
* 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-1994 Debt/Income ratio: 8%
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 6Length of status:11y 6m
Amount delinquent: $72 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,871Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: affluence-musician1 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
Debt Management
Purpose of loan: Pay off higher interest account
This loan will be used to...

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


Monthly net income: $2800.00
Monthly expenses: $1500.00
Housing: $700.00
Insurance: $65.00
Car expenses: $100.00
Utilities: $135.00
Phone, cable, internet: $150.00
Food, entertainment: $300.00
Clothing, household expenses: $150.00
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564189
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.90%  
Term: 60 months  
 
Lender yield: 27.70% Borrower rate/APR: 28.70% / 31.38% Monthly payment: $220.92
 
Lender servicing fee: 1.00% Effective Yield*: 27.01%  
Estimated return*: 15.11%  
* 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): 6 First credit line: Aug-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,369Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: exchange-den5 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 Bills
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564213
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: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.52% Borrower rate/APR: 24.52% / 28.37% Monthly payment: $592.60
 
Lender servicing fee: 1.00% Effective Yield*: 22.94%  
Estimated return*: 11.04%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Feb-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 22 Occupation: Tradesman - Carpent...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $70,912Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: systematic-loan4 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
Credit Builder
Purpose of loan: Start up capital / credit building
This loan will be used to... Home Inspection Equipment

My financial situation: Stable
I am a good candidate for this loan because... I place a credit score at a high priority level. A credit score can help make or brake a company. Being a start up company with no credit status makes prospering that much more difficult. If we were to aquire a project which needed materials and I wasn't able to pay for them this hits me two ways. 1. I may not look credible in the customers eyes. 2. The company is missing out on the profit margin on materials from contractor pricing to retail.


Monthly net income: $5000
Monthly expenses: $4750
Housing: $2400
Insurance: $114
Car expenses: $650
Utilities: $0
Phone, cable, internet: $40
Food, entertainment: $250
Clothing, household expenses: $0
Credit cards and other loans: $300
Other expenses: $996
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564235
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 3.30%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $161.31
 
Lender servicing fee: 1.00% Effective Yield*: 8.97%  
Estimated return*: 5.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jun-2008 Debt/Income ratio: 6%
Credit score: 780-799 (Mar-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 17 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,898Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: Yes  
Screen name: professional-deal444 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
Travel Overseas
Purpose of loan:
This loan will be used for a family vacation.

My financial situation:
I am a good candidate for this loan because...i pay my debts.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564243
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 9.90%  
Term: 36 months  
 
Lender yield: 21.87% Borrower rate/APR: 22.87% / 26.68% Monthly payment: $386.42
 
Lender servicing fee: 1.00% Effective Yield*: 21.34%  
Estimated return*: 11.44%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-2004 Debt/Income ratio: Not calculated
Credit score: 620-639 (Mar-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 10 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,647Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: detective2 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 620-639 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
720-739 (Feb-2010)
700-719 (Jan-2010)
 
Principal balance: $3,437.68 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Business cash flow and growth.
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 555982
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
Minimum Amount to Fund: $4,900 Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $179.47
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.50%  
* 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-1997 Debt/Income ratio: 24%
Credit score: 740-759 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $68,601Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: social-fort8 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 562716
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $437.46
 
Lender servicing fee: 1.00% Effective Yield*: 23.12%  
Estimated return*: 14.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: May-1993 Debt/Income ratio: 27%
Credit score: 680-699 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:6y 9m
Amount delinquent: $116 Total credit lines: 19 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,862Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: a-logical-worth1 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
Organic Alfalfa sprinkler system
Purpose of loan: Finish 20 acre organic Alfalfa project
This loan will be used to...Purchase of wheel line system for irrigation

My financial situation: solid
I am a good candidate for this loan because...organic Alfalfa is currently selling for $450 a ton and rising. Field will yeild a minimum 10+ tons per acre annually. I have already invested approx. 30k of my own money in ground preparation and well system. Additionally I intend to repay this within less than a year and then pay it foreward by investing profits back into Prosper to help others that may need that little extra help in crossing the finish line as I did.


Monthly net income: $4500.00
Monthly expenses: $800.00
Housing: $0
Insurance: $100.00
Car expenses: $396.00
Utilities: $120.00
Phone, cable, internet: $60.00
Food, entertainment: $400.00
Clothing, household expenses: $100
Credit cards and other loans: $500.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563186
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 14.90%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $136.98
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-2003 Debt/Income ratio: 40%
Credit score: 680-699 (Feb-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: green-focused-power 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: 12 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
760-779 (Jan-2011)
 
Principal balance: $872.73 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Upgrades for Small Business
Purpose of loan: Camera and Lighting Upgrades
This loan will be used to purchase additional equipment for my small business

My financial situation:
I am a good candidate for this loan because I have demonstrated that I am reliable in paying my monthly payments to Prosper and that I'm still a full-time employee as well as an Army Reservist. My Prosper loan from last year will be paid off this month. My plate may be full, but drive does not hinder.


Monthly net income: $3000
Monthly expenses: $
Housing: $650
Insurance: $90
Car expenses: $256
Utilities: $50
Phone, cable, internet: $65
Food, entertainment: $120-180
Clothing, household expenses: $20-40
Credit cards and other loans: $110
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563768
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $93.53
 
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: May-2001 Debt/Income ratio: 17%
Credit score: 740-759 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 11Length of status:6y 0m
Amount delinquent: $87 Total credit lines: 32 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,370Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: first-affluence-fighter Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home improvements
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 4.20%  
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*: 12.95%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1996 Debt/Income ratio: 74%
Credit score: 660-679 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:7y 11m
Amount delinquent: $0 Total credit lines: 16 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,811Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: money-puppy7 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $8,469.54< 31 days late: 0 ( 0% )  
660-679 (Apr-2011)
 
Principal balance: $6,933.69 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Car Loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563912
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 5.65%  
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*: 7.61%  
* 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-2005 Debt/Income ratio: 26%
Credit score: 740-759 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,344Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: the-riveting-euro Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...Consolidate debts

My financial situation:
I am a good candidate for this loan because...im a good borrower and very responsible payor and i pay on time my househould income is $5000 a month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563930
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $6,000 Estimated loss*: 3.30%  
Term: 60 months  
 
Lender yield: 12.96% Borrower rate/APR: 13.96% / 15.78% Monthly payment: $139.49
 
Lender servicing fee: 1.00% Effective Yield*: 12.91%  
Estimated return*: 9.61%  
* 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-1992 Debt/Income ratio: 14%
Credit score: 800-819 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 10Length of status:18y 5m
Amount delinquent: $0 Total credit lines: 33 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,648Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: serene-moola167 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
.Home Improvement.
Purpose of loan:
This loan will be used to...
waterproof basement that currently floods I already have $3000 of the total cost of $9000
My financial situation:
I am a good candidate for this loan because...I have never defaulted on a loan and pay all bills as expected.I have a solid job with a good hospital that has solid financials. I have lived in my home for over 20yrs. and have worked for the same hospital for 17 yrs.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563948
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 28.99% Borrower rate/APR: 29.99% / 33.97% Monthly payment: $169.78
 
Lender servicing fee: 1.00% Effective Yield*: 27.66%  
Estimated return*: 12.76%  
* 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: Dec-1998 Debt/Income ratio: 53%
Credit score: 620-639 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 23Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 35 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $22,231Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: cindylouhome Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 620-639 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
660-679 (Apr-2011)
 
Principal balance: $3,978.36 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Debt Consolidation lower interest
Purpose of loan:
This loan will be used to...consolidate debt

My financial situation:
I am a good candidate for this loan because...I am employed full time in the healthcare industry in a stable environment


Monthly net income: $3000
Monthly expenses: $100
Housing: $550
Insurance: $40
Car expenses: $270
Utilities: $100
Phone, cable, internet: $90
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 28.58% Borrower rate/APR: 29.58% / 33.55% Monthly payment: $84.44
 
Lender servicing fee: 1.00% Effective Yield*: 27.27%  
Estimated return*: 12.57%  
* 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-1991 Debt/Income ratio: 5%
Credit score: 660-679 (Feb-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 3Length of status:11y 8m
Amount delinquent: $1,487 Total credit lines: 20 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $126Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: steady-rate9 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
mwedical bill
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...i always payback my bills i have credit problems fro 10 years ago and i am working to still pay them of but i will get it done im working with credititers rigMonthly expenses: $
Housing: $
Insurance: $100
Car expenses: $
Utilities: $100
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 563996
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
Minimum Amount to Fund: $3,500 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: Jan-1994 Debt/Income ratio: 27%
Credit score: 720-739 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 15 / 15Length of status:0y 9m
Amount delinquent: $118 Total credit lines: 29 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,375Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: fervent-wampum1 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Loan
Purpose of loan: This loan will be used to repair siding on rental property

My financial situation:
I am a good candidate for this loan because the property has significant cashflow monthly.


Monthly net income: $ 5200
Monthly expenses: $ 2500
Housing: $ 680
Insurance: $ 118
Car expenses: $ 500
Utilities: $ 60
Phone, cable, internet: $ 135
Food, entertainment: $ 200
Clothing, household expenses: $ 100
Credit cards and other loans: $ 700
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564002
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $374.14
 
Lender servicing fee: 1.00% Effective Yield*: 19.04%  
Estimated return*: 10.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1989 Debt/Income ratio: 21%
Credit score: 740-759 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,572Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: interest-genetics9 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
HOME IMPROVEMENT
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564032
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-2000 Debt/Income ratio: 25%
Credit score: 680-699 (Mar-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,857Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: justice-speaker1 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to... consolidate debts to pay them off in a timely maner.

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


Monthly net income: $64000
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 564044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 3.30%  
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*: 9.61%  
* 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-1997 Debt/Income ratio: 36%
Credit score: 820-839 (Mar-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:14y 6m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,645Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: safe-velocity7 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
Personal loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564054
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 3.30%  
Term: 60 months  
 
Lender yield: 12.96% Borrower rate/APR: 13.96% / 15.78% Monthly payment: $302.22
 
Lender servicing fee: 1.00% Effective Yield*: 12.91%  
Estimated return*: 9.61%  
* 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: Feb-2006 Debt/Income ratio: 8%
Credit score: 740-759 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:11y 9m
Amount delinquent: $0 Total credit lines: 8 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,487Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: relentless-treasure950 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
Starting a business in Real Estate
Purpose of loan:
To become a full time Real Estate investor. To start a business to help the economy and our own economic state.

This loan will be used to...
Invest in a very detailed and full overview of real estate investing. This will help jump start my new career in real estate and business.

My financial situation:
I have worked full time in the military for 12 years. I am coming to realize that I need a way of retiring and I want to branch out and helps others. My job is very stable and have had the same job for 12 years. I

I am a good candidate for this loan because...
I have never missed a payment in my life. I have a high credit score. This loan will help me jump start my career in investing and business. To me it is my means of retiring and helping others who are less fortunate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-2003 Debt/Income ratio: 3%
Credit score: 680-699 (Feb-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
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: unflappable-generosity420 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
bill consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564112
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: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.90%  
Term: 60 months  
 
Lender yield: 27.70% Borrower rate/APR: 28.70% / 31.38% Monthly payment: $473.39
 
Lender servicing fee: 1.00% Effective Yield*: 27.01%  
Estimated return*: 15.11%  
* 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): 5 First credit line: Mar-2003 Debt/Income ratio: 74%
Credit score: 740-759 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 15Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 49 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,289Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: repayment-aspen Borrower's state: Vermont Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate debt
Purpose of loan:
This loan will be used to...To pay consolidate debt

My financial situation: Good
I am a good candidate for this loan because...I have a steady job with a company I have been with for almost six years. I have received steady raises every year.


Monthly net income: $2500
Monthly expenses: $
Housing: $0
Insurance: $50
Car expenses: $712
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $
Clothing, household expenses: $0
Credit cards and other loans: $400
Other expenses: $
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564130
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 5.49% Borrower rate/APR: 6.49% / 6.83% Monthly payment: $459.67
 
Lender servicing fee: 1.00% Effective Yield*: 5.49%  
Estimated return*: 4.49%  
* 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: Jun-1990 Debt/Income ratio: 16%
Credit score: 800-819 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 38 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,283Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: moola-molecule6 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
Engagement ring
Purpose of loan:
This loan will be used to purchase a 1.7 carat diamond ring

My financial situation:
I am a good candidate for this loan because I pay my bills and only finance large purchases.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564136
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.65%  
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*: 11.50%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-1999 Debt/Income ratio: 27%
Credit score: 740-759 (Feb-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:25y 0m
Amount delinquent: $0 Total credit lines: 28 Occupation: Tradesman - Plumber
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,891Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: Yes  
Screen name: exchange-chestnut0 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
personal
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564162
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Feb-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 22 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $26,862Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: bonus-friend1 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
Household Move
Purpose of loan:
This loan will be used to... To Move

My financial situation:
I am a good candidate for this loan because...I have good credit and pay my bills. I have a good business in order to repay the loan.


Monthly net income: $6200
Monthly expenses: $ 4600
Housing: $1100
Insurance: $235
Car expenses: $718
Utilities: $180
Phone, cable, internet: $265
Food, entertainment: $190
Clothing, household expenses: $175
Credit cards and other loans: $1500
Other expenses: $175
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564172
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 3.30%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $80.66
 
Lender servicing fee: 1.00% Effective Yield*: 8.97%  
Estimated return*: 5.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-1994 Debt/Income ratio: 11%
Credit score: 720-739 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 22 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,145Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: courageous-affluence6 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
to help pay bills
Purpose of loan:
This loan will be used to...help pay my immediate bills.

My financial situation:
I am a good candidate for this loan because... I am employed full time and have been with company for over three years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564186
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
Minimum Amount to Fund: $5,250 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-1997 Debt/Income ratio: 12%
Credit score: 660-679 (Feb-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:21y 10m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,771Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: top-penny-chairman 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
buy house
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564198
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 3.30%  
Term: 60 months  
 
Lender yield: 12.96% Borrower rate/APR: 13.96% / 15.78% Monthly payment: $348.71
 
Lender servicing fee: 1.00% Effective Yield*: 12.91%  
Estimated return*: 9.61%  
* 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-2000 Debt/Income ratio: 11%
Credit score: 720-739 (Feb-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:11y 1m
Amount delinquent: $0 Total credit lines: 26 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,440Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: Kckcc191 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
Unexpected funeral
Purpose of loan:
This loan will be used to...to pay off an unexpected funeral expense I incurred for my fathers burial.

My financial situation:
I am a good candidate for this loan because...I have a very good income to debt ratio.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564208
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Feb-1991 Debt/Income ratio: 23%
Credit score: 660-679 (Mar-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 16 / 14Length of status:2y 8m
Amount delinquent: $650 Total credit lines: 45 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,069Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: auction-brilliance1 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
Taxes
Purpose of loan: to pay for 2011 taxes
This loan will be used to...pay the taxes

My financial situation: good
I am a good candidate for this loan because...I am a relialbe and responsible person who can manage accounts


Monthly net income: $4800
Monthly expenses: $3000
Housing: $1800
Insurance: $90.00/mo
Car expenses: $280/mo
Utilities: $80.00
Phone, cable, internet: $150.00/mo
Food, entertainment: $250/mo
Clothing, household expenses: $
Credit cards and other loans: $23,000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564210
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.65%  
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*: 7.61%  
* 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: Jun-1969 Debt/Income ratio: 8%
Credit score: 680-699 (Feb-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 18 / 16Length of status:12y 2m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,903Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: sincere-agreement5 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
To repay cedit card bills
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 564226
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 3.30%  
Term: 60 months  
 
Lender yield: 12.96% Borrower rate/APR: 13.96% / 15.78% Monthly payment: $139.49
 
Lender servicing fee: 1.00% Effective Yield*: 12.91%  
Estimated return*: 9.61%  
* 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-1998 Debt/Income ratio: 65%
Credit score: 820-839 (Mar-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 11 / 9Length of status:13y 6m
Amount delinquent: $555 Total credit lines: 32 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,653Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: newest-credit-aficionado 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
Personal loan
No description is available.
Information in the Description is not verified.