Listing Report:Supplement No. 97 dated Apr 05, 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 549685
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: C Listing Duration: 14 days
Estimated loss*: 6.50%  
Term: 36 months  
 
Lender yield: 17.74% Borrower rate/APR: 18.74% / 22.46% Monthly payment: $255.67
 
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: Mar-1991 Debt/Income ratio: Not calculated
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 25 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,556Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: No  
Screen name: BamaPoke Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
(Apr-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Paying down the credit cards
Purpose of loan:
This loan will be used to...pay down my credit cards.

My financial situation: Fine, always improving
I am a good candidate for this loan because...I ALWAYS pay my bills. I haven't had a late or missed payment in many years.


Monthly net income: $3000
Monthly expenses: $2400
Housing: $1100
Insurance: $0
Car expenses: $0
Utilities: $30
Phone, cable, internet: $180
Food, entertainment: $300
Clothing, household expenses: $60
Credit cards and other loans: $600
Other expenses: $
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 570025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $119.86
 
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: May-1997 Debt/Income ratio: 22%
Credit score: 660-679 (Mar-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:23y 6m
Amount delinquent: $0 Total credit lines: 40 Occupation: Construction
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $7,396Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: worth-pony0 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 574413
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $262.48
 
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: Jun-1986 Debt/Income ratio: 21%
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:7y 11m
Amount delinquent: $0 Total credit lines: 29 Occupation: Architect
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,718Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 24%  
   Homeownership: Yes  
Screen name: platinum-flag0 Borrower's state: Louisiana 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
Kitchen Remodel
Purpose of loan:
This loan will be used to remodel existing Kitchen
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 574549
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 9.90%  
Term: 36 months  
 
Lender yield: 21.87% Borrower rate/APR: 22.87% / 26.68% Monthly payment: $251.17
 
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: Jul-1987 Debt/Income ratio: 13%
Credit score: 620-639 (Apr-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 16Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 56 Occupation: Civil Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,434Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: Indio92203 Borrower's state: California 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 / 3 On-time: 44 ( 96% ) 620-639 (Latest)
Principal borrowed: $12,250.00< 31 days late: 2 ( 4% )  
620-639 (Mar-2011)
600-619 (Oct-2009)
600-619 (Dec-2007)
 
Principal balance: $1,449.54 31+ days late: 0 ( 0% )
Total payments billed: 46  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to combine several current debts into one payment. I will end up reducing monthly expenses by $150 and the interest rate will be lower.

My financial situation:
I am a good candidate for this loan because I have a steady job and I have been actively controlling my expenses. I currently save the maximum to my retirement accounts.


Monthly net income: $5000.00
Monthly expenses: $3225.00

Housing: $1350 (mortgage, ins, taxes, HOA)
Insurance: $200 (auto, personnel umbrella, long term care)
Car expenses: $500 (375 payment ends in 4 months)
Utilities: $250
Phone, cable, internet: $150
Food, entertainment: $650
Clothing, household expenses: $250
Credit cards and other loans: $675 (Prosper loan of 275 will be paid off)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 574631
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $187.07
 
Lender servicing fee: 1.00% Effective Yield*: 19.04%  
Estimated return*: 10.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Dec-2006 Debt/Income ratio: 8%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 8Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 8 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,291Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: greenback-dominator9 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
to expand business
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 574723
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: $2,400.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 11.77% Monthly payment: $76.31
 
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: Nov-1999 Debt/Income ratio: 8%
Credit score: 640-659 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 10 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,955Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: peace-saga 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: 30 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2009)
 
Principal balance: $4.10 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Help With Auto Collision Repair
Purpose of loan:
This loan will be used to help fund my auto collision repair. Id rather not involve the insurance company so that I can keep my driving record clean.

My financial situation:
I am a good candidate for this loan because I have a solid amount of surplus income. I currently have 3 credit cards, and no mortgage/auto payments/children. I have just paid in full my first Prosper loan with consistent on-time payments.

My income and expenses post tax as follows:

+2200 Income (Retail Management)

-550 Rent
-50 Utilities
-120 Gas
-80 Auto Insurance
-60 Coffee
-300 Food
-15 Gym
-200 Recreation
-40 Macy's CC (~100 Balance)
-40 Capital One CC (~900 Balance)
-60 Shell CC (~500 Balance)
-----------------------------------------------------
$685 Surplus

Factor in a $76 a month minimum payment for this loan and Im still coming out well. I plan to pay $120 per month at minimum.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 574879
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
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 28.58% Borrower rate/APR: 29.58% / 33.55% Monthly payment: $168.89
 
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: Mar-1993 Debt/Income ratio: 24%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 19Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 36 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $47,335Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: trade-orchestra Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575077
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
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 28.58% Borrower rate/APR: 29.58% / 33.55% Monthly payment: $168.89
 
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: Dec-1998 Debt/Income ratio: 10%
Credit score: 640-659 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:8y 9m
Amount delinquent: $0 Total credit lines: 13 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,641Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: ferocious-fund526 Borrower's state: NewMexico 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: Consolidate debt
This loan will be used to...Debt payoff

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


Monthly net income: $2400
Monthly expenses: $
Housing: $430.00
Insurance: $70.00
Car expenses: $0
Utilities: $100.00
Phone, cable, internet: $70.00
Food, entertainment: $150.00
Clothing, household expenses: $0
Credit cards and other loans: $10.000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575315
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-1997 Debt/Income ratio: 12%
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 5Length of status:11y 2m
Amount delinquent: $0 Total credit lines: 29 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,595Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: worlds-best-return2 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement loan
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because I am a hard working responsible person that pays my bills


Monthly net income: $5600.00
Monthly expenses: $
Housing: $900
Insurance: $100
Car expenses: $0
Utilities: $0
Phone, cable, internet: $115
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575441
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
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): 3 First credit line: Oct-1996 Debt/Income ratio: Not calculated
Credit score: 620-639 (Apr-2012) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 50Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $482 
Delinquencies in last 7y: 11 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: courteous-affluence0 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,155.09< 31 days late: 0 ( 0% )  
680-699 (Jun-2011)
 
Principal balance: $2,622.23 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Repay money I have borrowed from family members in the last year. After starting a new job I needed assistance to cover basic living expenses for a little while. Now I would like to ensure the continued good status of these family relationships by repaying the money I owe and just have a loan in my own name to be responsible for.
My financial situation:
I am a good candidate for this loan because...
The earning potential in my household continues to increase. Also, in the past I have borrowed through Prosper and always had the funds available on time every single month for the loan payment to be directly withdrawn from my checking account.

Monthly net income: $4500
Monthly expenses: $4000
Housing: $1250
Insurance: $100
Car expenses: $380
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $1000
Clothing, household expenses: $200
Credit cards and other loans: $400
Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575477
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: $14,500.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.50%  
Term: 36 months  
 
Lender yield: 17.74% Borrower rate/APR: 18.74% / 22.46% Monthly payment: $529.61
 
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: Nov-1994 Debt/Income ratio: 37%
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 21Length of status:10y 7m
Amount delinquent: $0 Total credit lines: 58 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,992Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: a-payout-enchilada Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 34 ( 100% ) 660-679 (Latest)
Principal borrowed: $17,000.00< 31 days late: 0 ( 0% )  
660-679 (Jun-2011)
720-739 (Oct-2009)
 
Principal balance: $5,802.07 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Home Improvement
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575519
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Sep-1998 Debt/Income ratio: 11%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:11y 7m
Amount delinquent: $0 Total credit lines: 9 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,434Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: riveting-commitment5 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal/Family
Purpose of loan:
This loan will be used to...

My financial situation: Good
I am a good candidate for this loan because...I am reliable to make the payments


Monthly net income: $2000
Monthly expenses: $75
Housing: $none
Insurance: $none
Car expenses: $none
Utilities: $none
Phone, cable, internet: $none
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $75
Other expenses: $none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575561
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.65%  
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: Jan-1989 Debt/Income ratio: Not calculated
Credit score: 760-779 (Apr-2012) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 15Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,241 
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: bid-commander6 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
rent payments
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575563
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: B Listing Duration: 14 days
Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $103.25
 
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: Feb-1994 Debt/Income ratio: 10%
Credit score: 740-759 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 6Length of status:15y 0m
Amount delinquent: $14,284 Total credit lines: 25 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,403Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: mindful-p2ploan9 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation loan
Purpose of loan:
This loan will be used to...pay off a balance owed on a car.

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


Monthly net income: $3916
Monthly expenses: $
Housing: $732
Insurance: $40
Car expenses: $80
Utilities: $120
Phone, cable, internet: $120
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575619
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.50%  
Term: 60 months  
 
Lender yield: 21.93% Borrower rate/APR: 22.93% / 25.45% Monthly payment: $140.75
 
Lender servicing fee: 1.00% Effective Yield*: 21.41%  
Estimated return*: 14.91%  
* 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-1994 Debt/Income ratio: Not calculated
Credit score: 700-719 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,238Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: rupee-destiny Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
720-739 (Aug-2011)
 
Principal balance: $2,180.30 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Debt consolidation
Purpose of loan: Debt consolidation
This loan will be used to...I am trying to consolidate and payoff some minor credit cards and small loans, equalling the request, but they are at a higher rate than this one would be...

My financial situation: I have two very stable jobs, one as a teacher for the past 7 years, and one as a professional aquarium biologist at the new england aquarium in boston...my total income from both is about 70,000 dollars a year.

I am a good candidate for this loan because...I am a reliable bill payer, and I have no kids, and very little debt from schooling etc...


Monthly net income: $ about 4,000.00
Monthly expenses: $
Housing: $ 1600 dollars
Insurance: $ 200
Car expenses: $ 350.00
Utilities: $ 100.00
Phone, cable, internet: $ 200.00
Food, entertainment: $ 200.00
Clothing, household expenses: $ 50.00
Credit cards and other loans: $ 100.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575629
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 28.58% Borrower rate/APR: 29.58% / 33.55% Monthly payment: $105.55
 
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: Jun-1992 Debt/Income ratio: 14%
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 6 Current / open credit lines: 5 / 4Length of status:15y 4m
Amount delinquent: $0 Total credit lines: 26 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,819Stated income:$75,000-$99,999
Delinquencies in last 7y: 13 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: JerseyJen 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
Tax Time
Purpose of loan: Taxes
This loan will be used towards Fed Taxes due

My financial situation: Owe a few thousand to Uncle Sam, but little short of upfront cash.

I am a good candidate for this loan because I have a good paying, steady job and am able to easily pay this monthly obligation.

Thank you for your consideration


Monthly net income: $3750
Monthly expenses: $2960
Housing: $1050
Insurance: $200
Car expenses: $425
Utilities: $60
Phone, cable, internet: $175
Food, entertainment: $200
Clothing, household expenses: $150
Credit cards and other loans: $700
Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575679
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 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: Jul-2000 Debt/Income ratio: 72%
Credit score: 640-659 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 34 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,251Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: blue-silver-ringleader Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
680-699 (May-2011)
 
Principal balance: $6,233.29 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Funds for Wedding
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575691
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: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $116.66
 
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: Feb-1983 Debt/Income ratio: 8%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 2Length of status:0y 10m
Amount delinquent: $1,718 Total credit lines: 11 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,727Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: loan-hawk9 Borrower's state: Delaware Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off credit cards
Purpose of loan:
This loan will be used to pay off 2 credit cards that I have.

My financial situation:
I am a good candidate for this loan because I work hard as a restaurant manager, 55 hours plus a week. I'm good at what I do and was just promoted. I can easily afford this loan.


Monthly net income: $4000
Monthly expenses: $150
Housing: $600
Insurance: $0
Car expenses: $350
Utilities: $0
Phone, cable, internet: $50
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $120
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575745
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
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: Jun-2001 Debt/Income ratio: 8%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:3y 10m
Amount delinquent: $226 Total credit lines: 14 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,460Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: red-ingenious-generosity Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidation / home improvement
Purpose of loan:
This loan will be used to..I will use this loan to pay off two small credit card obligations totaling less than $1,200 and the balance of the money will go towards the completion of a renovation project on a bathroom.

My financial situation:
I am a good candidate for this loan because...in addition to my base salary, I qualify for quarterly commission checks that I have not included in my income, I have a second family income that is used to cover everyday expenses, and I truly believe that paying one's debts is essential to being a complete person.


Monthly net income: $ 4100
Monthly expenses: $
Housing: $ 1950
Insurance: $ included in mortgage pymt
Car expenses: $ company car
Utilities: $ 200
Phone, cable, internet: $ 125
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 125
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 565984
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: $4,400.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.30%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $141.95
 
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: Feb-1964 Debt/Income ratio: 11%
Credit score: 760-779 (Mar-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 16 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,841Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: worth-banjo7 Borrower's state: Connecticut 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
I am selling my 2007 Mazda3 to an individual buyer. I cannont transfer the title unless the car is paid off. This loan is to pay off the loan. Once the car is sold I will repay this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 569174
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
Estimated loss*: 3.30%  
Term: 60 months  
 
Lender yield: 12.96% Borrower rate/APR: 13.96% / 15.78% Monthly payment: $464.95
 
Lender servicing fee: 1.00% Effective Yield*: 12.91%  
Estimated return*: 9.61%  
* 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-2001 Debt/Income ratio: 11%
Credit score: 720-739 (Mar-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,218Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: worth-goose9 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Moving to a farm
Purpose of loan: It has been our family's dream to get out of the city and live on a nice piece of land in the country where our children can grow up uninhibited by the challanges of the city.
This loan will be used to...put a down payment on the land. In today's market, we make enough money to make our payments, but not for a 20% down payment.

My financial situation: Is very stable. I am in the military and have been working at a very reputable company for over 5 years now.
I am a good candidate for this loan because..I have good credit and a steady income.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 570512
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $344.16
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.61%  
* 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: Sep-1997 Debt/Income ratio: 3%
Credit score: 700-719 (Mar-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,143Stated income:$100,000+
Delinquencies in last 7y: 41 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: pious-finance33 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
Car loan
Purpose of loan:
This loan will be used to payoff a auto loan at a higher rate.

My financial situation:
I am a good candidate for this loan because i have now cleaned up my cash flow and now can support the required monthly payment


Monthly net income: $5000
Monthly expenses: $3800
Housing: $1400
Insurance: $50
Car expenses: $500
Utilities: $250
Phone, cable, internet: $150
Food, entertainment: $900
Clothing, household expenses: $300
Credit cards and other loans: $100
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 573954
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
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: Aug-2002 Debt/Income ratio: 4%
Credit score: 660-679 (Mar-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 8 Current / open credit lines: 3 / 3Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 17 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $124Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: top-diverse-p2ploan 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
household expenses
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 574192
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
Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.52% Borrower rate/APR: 24.52% / 28.37% Monthly payment: $395.06
 
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: Feb-2002 Debt/Income ratio: 6%
Credit score: 740-759 (Mar-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 4 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Stek7 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
Business Expansion
PURPOSE OF LOAN
Loan will be used to rent, furnish, & advertise an additional NYC luxury apartment for city-destined tourists & business travelers.

MY $$$ SITUATION
I?m a good candidate for this loan because:
1) Prosper lender since ?07
2) On-time payments
3) 2 good incomes
4) Good credit
5) Funds to expand existing biz, NOT start one
6) Will pay off before the 3yrs
7) Been w/ job since ?06
8) Member of Progressive Lodge #64
9) Grateful for all those who helped me thus far & I look forward to ending 2012 strong!

BASICS
Monthly income: $7K = $4K(job) + 3K(biz)
Monthly expenses: $3.5K

EXPENSES
Housing: $0 (Sleep in 1 of my several units when vacant)
Insurance: $47 (health insurance)
Car: $0 (no car)
Utils: $0 (biz covers)
Phone: $92 (AT&T bill)
Food: $1500 (mainly restaurants)
Clothes: $200-300 (already have large wardrobe)
Credit/loans: $0 (debt-free)
Other: $1612 = $942(son), $200(storage), $250(train/taxis), $100(gym), $60(laundry), & $60(hair)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 574300
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
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): 5 First credit line: Nov-1990 Debt/Income ratio: 51%
Credit score: 760-779 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 48 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,898Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: wealth-squadron1 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Taxes and debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 574956
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
Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.52% Borrower rate/APR: 24.52% / 28.37% Monthly payment: $395.06
 
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: Jan-1989 Debt/Income ratio: 16%
Credit score: 740-759 (Apr-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 16 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $188,648Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: gondola163 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
Household expenses
Purpose of loan:
This loan will be used to...

My financial situation: improving
I am a good candidate for this loan because...I have always paid my bills on time. My property in Malibu is currently being leased for $6,500 a month so all my expenses there are covered. I am in sales and I now manage one of our biggest accounts which will raise my income in a few months.


Monthly net income: $$7588
Monthly expenses:
Housing: $1500
Insurance: $300
Car expenses: $500
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $1200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575426
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: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $224.48
 
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: Dec-1988 Debt/Income ratio: 17%
Credit score: 700-719 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:12y 9m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,641Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: duty-piledriver8 Borrower's state: Montana 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, vacation
Purpose of loan:
This loan will be used to...

My financial situation: is good due to monthly income & one of my children is graduating
I am a good candidate for this loan because... I have good credit & I always repay my debts.


Monthly net income: $ 7500
Monthly expenses:
Housing: $0
Insurance: $200
Car expenses: $500
Utilities: $160
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $150
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575462
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-1996 Debt/Income ratio: 42%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 15 / 13Length of status:20y 7m
Amount delinquent: $0 Total credit lines: 39 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,956Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: subtle-bid9 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
Household expenses
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575530
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1989 Debt/Income ratio: 24%
Credit score: 760-779 (Mar-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 14 Occupation: Sales - Commission
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: accruer387 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
Business Expansion
Purpose of loan:
Expand a private research company of which I am a board member. Individuals from the general community volunteer to participate in a clinical trial. All participants in the research trial receive medical exams/care laboratory testing and diagnostic exams AT NO CHARGE and RECEIVE MONETARY REIMBURSEMENT. Expansion of our company will assist individuals in need of health care regardless of their financial situation.

My financial situation:
I am financially sound, without any negative activity on my report. I have been in business over 30yrs. My debt/ income ratio is very good. I do not have a morgage payment, my monthly expenses are minimal,


Monthly net income: $ 8,500
Monthly expenses: $ 2089.66
Housing: $ 0
Insurance: $ 91.66
Car expenses: $80.00
Utilities: $300.00
Phone, cable, internet: $105.00
Food, entertainment: $400.00
Clothing, household expenses: $ 900.00
Credit cards and other loans: $ 213.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575532
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
Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 28.99% Borrower rate/APR: 29.99% / 33.97% Monthly payment: $84.89
 
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: Aug-2001 Debt/Income ratio: 17%
Credit score: 600-619 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 8Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 46 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,209Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: yield-glider Borrower's state: Texas Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 33 ( 100% ) 600-619 (Latest)
Principal borrowed: $8,400.00< 31 days late: 0 ( 0% )  
640-659 (Jun-2011)
660-679 (May-2010)
660-679 (Jul-2009)
 
Principal balance: $2,550.21 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Dental work
Purpose of loan:
This loan will be used to finance several overdue dental crowns. The expense is annoying, but I'm excited to take care of it.

My financial situation:
I am a good candidate for this loan because I've never had a late payment in my life (including on prior prosper loans), and I have a secure job, god bless.


Monthly net income: $ 3800
Monthly expenses: $
Housing: $ 885
Insurance: $ 60
Car expenses: $ 250
Utilities: $ 250
Phone, cable, internet: $ 125
Food, entertainment: $ 600
Clothing, household expenses: $ 300
Credit cards and other loans: $ ~700
Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575560
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
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: Nov-1999 Debt/Income ratio: 41%
Credit score: 780-799 (Apr-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,379Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: joyous-point936 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
Debt refinance
Purpose of loan:
This loan will be used to pay off a 4 year loan that retains a monthly payment of $920 (high from the initial loan amount) vs this loan that will require a payment of $473 reducing my monthly payment 50%.

My financial situation:
I am a good candidate for this loan because my credit score is high, i have no late payments on my credit history, and have been very responsible with my credit.


Monthly net income: $6000
Monthly expenses: $1200
Housing: $760
Insurance: $250
Car expenses: $670
Utilities: $220
Phone, cable, internet: $100
Food, entertainment: $800
Credit cards and other loans: $920
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575564
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Sep-1992 Debt/Income ratio: 11%
Credit score: 680-699 (Mar-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 3Length of status:10y 9m
Amount delinquent: $455 Total credit lines: 36 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 43 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: speechmom3 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
Debt Consolidation Loan
Purpose of loan: Consolidate bills into one payment
This loan will be used to...consolidate bills that have a higher interest rate

My financial situation:
I am a good candidate for this loan because...I have recently paid off my car loan and am looking to pay off as much debt as possible. Combining smaller bills with higher interest rates will help me do this.


Monthly net income: $3800.00
Monthly expenses: $3000.00
Housing: $1400.00
Insurance: $90.00
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $200.00
Clothing, household expenses: $
Credit cards and other loans: $1200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575582
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jul-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Apr-2012) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:1y 3m
Amount delinquent: $155 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,907Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: entertaining-diversification082 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
equipment purchase
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575596
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Feb-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Apr-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:12y 3m
Amount delinquent: $0 Total credit lines: 10 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $380Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: top-value-reactor 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
Buy Beads for my Business,pay debt
Purpose of loan:
This loan will be used to...debt

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


Monthly net income: $415
Monthly expenses: $300
Housing: $300
Insurance: $375
Car expenses: $
Utilities: $300
Phone, cable, internet: $
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575622
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.65%  
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: Jun-2006 Debt/Income ratio: Not calculated
Credit score: 700-719 (Apr-2012) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:8y 4m
Amount delinquent: $0 Total credit lines: 10Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,016 
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: repayment-officer 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
Debt Consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575632
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.00%  
Term: 60 months  
 
Lender yield: 11.96% Borrower rate/APR: 12.96% / 14.77% Monthly payment: $204.59
 
Lender servicing fee: 1.00% Effective Yield*: 11.92%  
Estimated return*: 9.92%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1986 Debt/Income ratio: 20%
Credit score: 760-779 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,707Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: Yes  
Screen name: listing-sceptre5 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 760-779 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
740-759 (Feb-2011)
 
Principal balance: $2,901.60 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Funds to finish the basement
Purpose of loan:
This loan will be used to...finish the basement of our home, and replace carpet in the house. This will add additional finished square footage to our home and update the flooring.

My financial situation:
I am a good candidate for this loan because... I am employed by the federal government and have been for close to 9 years along with my 22 years of military service. I will certainly comply with the automatic payments just as I have on the existing Prosper loan. I will make the payments 100% of the time, on time.

My financial situation has not changed,

Regarding my debts, I will payoff a car loan and stop making a $500 payment in May.

In addition, I was a "co-signer" on a $25,000 car loan for my daughter. My daughter just purchased another car and the loan is in her name only as of two weeks ago and I am no longer on the loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575638
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: $7,400.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 9.90%  
Term: 36 months  
 
Lender yield: 21.87% Borrower rate/APR: 22.87% / 26.68% Monthly payment: $285.95
 
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: Dec-1995 Debt/Income ratio: 30%
Credit score: 640-659 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 48 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,828Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: bonus-dolphin9 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 27 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,200.00< 31 days late: 0 ( 0% )  
640-659 (Jul-2011)
700-719 (Jun-2010)
 
Principal balance: $2,466.82 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
Home Improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575646
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-2001 Debt/Income ratio: 17%
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:13y 3m
Amount delinquent: $0 Total credit lines: 14 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $724Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: trustworthy-capital181 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
Funds for Funeral
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2100.00
Monthly expenses: $
Housing: $905.00
Insurance: $75.00
Car expenses: $0
Utilities: $150.00
Phone, cable, internet: $
Food, entertainment: $100.00
Clothing, household expenses: $
Credit cards and other loans: $50.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575664
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: $3,214.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.50%  
Term: 36 months  
 
Lender yield: 17.74% Borrower rate/APR: 18.74% / 22.46% Monthly payment: $117.39
 
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): 5 First credit line: Sep-1997 Debt/Income ratio: 34%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:11y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,401Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: No  
Screen name: extraordinary-loyalty9 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 680-699 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
720-739 (Sep-2011)
 
Principal balance: $3,091.70 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Debt Consolidation/Refinance
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-1978 Debt/Income ratio: 9%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 4 Current / open credit lines: 4 / 4Length of status:31y 8m
Amount delinquent: $12,367 Total credit lines: 23 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $717Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: riveting-bazaar5 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay bills
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575730
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
Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.52% Borrower rate/APR: 24.52% / 28.37% Monthly payment: $395.06
 
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: Feb-1998 Debt/Income ratio: 18%
Credit score: 740-759 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 3 / 3Length of status:2y 1m
Amount delinquent: $11,033 Total credit lines: 7 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,366Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: stylish-trade336 Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Upgrade commercial fishing boat
Purpose of loan:
This loan will be used to...upgrade and repair a commercial fishing boat

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.