Listing Report:Supplement No. 106 dated Apr 10, 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 554475
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 28.99% Borrower rate/APR: 29.99% / 33.97% Monthly payment: $169.78
 
Lender servicing fee: 1.00% Effective Yield*: 27.66%  
Estimated return*: 12.76%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jun-2000 Debt/Income ratio: 64%
Credit score: 600-619 (Apr-2012) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 1 Current / open credit lines: 19 / 15Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 44 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,735Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: red-famous-vigilance Borrower's state: Arkansas 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: 25 ( 93% ) 600-619 (Latest)
Principal borrowed: $2,600.00< 31 days late: 2 ( 7% )  
640-659 (Nov-2009)
 
Principal balance: $743.67 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
Starting with Coldwell Banker RE...
Purpose of loan:
This loan will be used to...

My better half :) has been hired on with Coldwell Banker (#1 firm in our booming area) & it comes with a lot of start up expense to get off the ground quickly which is what this loan will be used to cover.

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

Number one...I pay my bills! Just to put that out there up front. :)

I am very secure with my current employer. Our company is planning to expand once again this year which will have another significant positive impact on my current salary within 6 months.

Hope I covered everything. Thanks for your support.

Monthly net income: $5880.00
Monthly expenses: $3940
Housing: $0 - company paid house
Insurance: $80
Car expenses: $720.00
Utilities: $250
Phone, cable, internet: $240
Food, entertainment: $600
Clothing, household expenses: $400
Credit cards and other loans: $1200
Other expenses: $450
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 562099
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.90%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $136.98
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jul-1996 Debt/Income ratio: 30%
Credit score: 600-619 (Apr-2012) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:23y 11m
Amount delinquent: $10,602 Total credit lines: 22 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,480Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: rob777 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 16 ( 100% ) 600-619 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
700-719 (May-2011)
640-659 (Aug-2010)
 
Principal balance: $2,009.74 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
Graduation Suprise
Purpose of loan: buy my daughter a graduation gift and pay off credit card debt
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...i pay all my bills on time have borrowed from prosper two other times and never missed a payment


Monthly net income: $1600.
Monthly expenses: $
Housing: $300
Insurance: $ 160
Car expenses: $
Utilities: $160
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $210
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 567185
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jul-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Apr-2012) Inquiries last 6m: 6Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,228Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: kind-resplendent-revenue9 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
Good Used Auto Purchase
Purpose of loan:
This loan will be used to...Buy a better car if car costs more I'll cover the cost, my current car will cost me more to fix than it's currently worth so I was hoping to upgrade to a good used model with a warranty. Will be paid off in 1.5 years at most not 3 years. And if I have to pay interest I rather pay it to other people, instead of paying it to a bank.

My financial situation:
I am a good candidate for this loan because...I have a very little debt, I only have 1 loan and my credit card balance is $13900 with only $921.41 being used.


Weekly income: $400
Housing: $300/month
Car Insurance: ~$800 per year
Car expenses: $110~150/month in gas
Utilities: $0 included in rent
Phone, cable, internet: $0 included in rent
Cell phone: $40/month
Food, entertainment: ~$100-150/month
Clothing, household expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 576181
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $561.21
 
Lender servicing fee: 1.00% Effective Yield*: 19.04%  
Estimated return*: 10.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1995 Debt/Income ratio: 4%
Credit score: 720-739 (Apr-2012) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 16 Occupation: Dentist
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $750Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: receptive-responsibility988 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
Purpose of loan: Home expenses
This loan will be used to...Build a back yard patio and furniture

My financial situation: very good
I am a good candidate for this loan because...I have a very good paying job just need to add a back patio.


Monthly net income: $15000
Monthly expenses: $
Housing: $3582
Insurance: $384
Car expenses: $757
Utilities: $200
Phone, cable, internet: $300
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 576487
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-2008 Debt/Income ratio: 43%
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 7 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,709Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: the-joyful-yield 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
Purpose of loan: Debt consolidation

This loan will be used to...Pay off my credit cards and make up for lost income until I start my new job.

My financial situation: Employed part time and about to start a 2nd job. Was receiving the GI bill but have recently graduated from college so I am no longer receiving it.

I am a good candidate for this loan because...I make sure I pay all bills and obligations before I do anything with my money.


Monthly net income: $1160
Monthly expenses: $1060 (bills and rent only)
Housing: $685
Car expenses: $261.42
Utilities: $69.00
Phone, cable, internet: $127
Credit cards and other loans: $1938 (balance combined)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 576795
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 3.30%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $806.56
 
Lender servicing fee: 1.00% Effective Yield*: 8.97%  
Estimated return*: 5.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-1976 Debt/Income ratio: 19%
Credit score: 760-779 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 22Length of status:25y 10m
Amount delinquent: $0 Total credit lines: 56 Occupation: Dentist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $231,446Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: enriched-dime2 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
Taxes
Purpose of loan:
This loan will be used to...pay this years taxes

My financial situation:
I am a good candidate for this loan because...I always pay my debts i have an unusual situation where my withholdings were not sufficient and i can pay 75,000 of my taxes but am 25,000 short this year and have corrected the problem for next year. My daughter got married this year and with that occasion i used my discrectionary income and am now caught in a situation where this is the best option and not having to deal with some type of options with the IRS. I have no other past tax problems and the State is taken care of its just my fedreal that has created this problem for this year
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 576839
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.90%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $68.49
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: May-1999 Debt/Income ratio: 47%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 53 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,273Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: Maximum_Investment Borrower's state: Florida Borrower's group: 1st and BEST for Loans
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: 19 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
680-699 (Dec-2011)
660-679 (Dec-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
combine credit cards
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 576937
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 14.70%  
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): 8 First credit line: Oct-2000 Debt/Income ratio: 18%
Credit score: 640-659 (Apr-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 5 Current / open credit lines: 2 / 2Length of status:6y 11m
Amount delinquent: $112 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $259Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: funds-bugle1 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
car repair.adoption fees
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 576953
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: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $172.08
 
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: May-1999 Debt/Income ratio: 4%
Credit score: 660-679 (Mar-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 1/ 6 Revolving credit balance: $253Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: shiny-worth6 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Back Taxes
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 576971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Mar-1999 Debt/Income ratio: 3%
Credit score: 740-759 (Apr-2012) Inquiries last 6m: 15Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 2 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $316Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: commerce-grid96 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
Catch up on bills and expenses
Purpose ofexpenses
This loan will be used to...catch up on bills and expenses

My financial situation:
I am a good candidate for this loan because...I am a hard worker and responsible


Monthly net income: $5000
Monthly expenses: $
Housing: $1500
Insurance: $65
Car expenses: $300
Utilities: $0
Phone, cable, internet: $160
Food, entertainment: $400
Clothing, household expenses: $400
Credit cards and other loans: $500
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 576997
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: B Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $153.83
 
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): 10 First credit line: Aug-2001 Debt/Income ratio: 8%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,384Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: aggresive-social4 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
Help! Final Debt Consolidation
This loan will be used to consolidate my credit card debt of $5754. I have accrued this debt due to helping out family. My mother has been unemployed for the past year. I found out today that she got a job! Now the challenge is to get rid of my debt.

I am a good candidate for this loan because I have never missed a loan payment in over ten years and have had the same stable job for the past 5 years. I have handled paying off multiple loans in the past - starting from college, where I successfully paid of $15,000 loan over a course of five years without any late/missed payments. I am confident that I can repay this debt and sincerely thank all you investors that help make this possible.

Monthly net income: $4600
Monthly expenses (below):
Housing: $1658
Car Insurance: $153
PSE&G Utilities: $75
Phone, cable, internet: $277.76
Other loans: $353 (On track to complete paying by end of 2012)

Rest of the money left over is used for food/entertainment/savings
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 8.80%  
Term: 12 months  
 
Lender yield: 13.34% Borrower rate/APR: 14.34% / 24.15% Monthly payment: $224.87
 
Lender servicing fee: 1.00% Effective Yield*: 13.04%  
Estimated return*: 4.24%  
* 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-1997 Debt/Income ratio: 12%
Credit score: 760-779 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:11y 11m
Amount delinquent: $250 Total credit lines: 15 Occupation: Accountant/CPA
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: Yes  
Screen name: impartial-moola7 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
Thanks
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577007
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: C Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $299.31
 
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: Jun-1999 Debt/Income ratio: 16%
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,727Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: blue-elegant-wampum 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
Engagement
Purpose of loan:
This loan will be used to...Help pay for engagement

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


Monthly net income: $10,833,00
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577037
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 9.90%  
Term: 36 months  
 
Lender yield: 21.87% Borrower rate/APR: 22.87% / 26.68% Monthly payment: $270.49
 
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): 6 First credit line: Nov-2008 Debt/Income ratio: 30%
Credit score: 600-619 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,948Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: clipper751 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: 9 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,800.00< 31 days late: 0 ( 0% )  
640-659 (Jun-2011)
 
Principal balance: $767.31 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Quick Debt Consolidation
Purpose of loan: Consolidate my debt
This loan will be used to: go from 7 monthly payments to 1

My financial situation: Good
I am a good candidate for this loan because: Prosper has helped me once before, now I need a jump start to get out of debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577041
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1998 Debt/Income ratio: 31%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 11Length of status:16y 10m
Amount delinquent: $172 Total credit lines: 29 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,565Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: commitment-journey5 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
graduation present
Purpose of loan: graduation present
This loan will be used to...buy a graduation present

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


Monthly net income: $2800
Monthly expenses: $
Housing: $336
Insurance: $200
Car expenses: $375
Utilities: $95
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $300
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577043
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 5.49% Borrower rate/APR: 6.49% / 6.83% Monthly payment: $398.38
 
Lender servicing fee: 1.00% Effective Yield*: 5.49%  
Estimated return*: 4.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-1988 Debt/Income ratio: 8%
Credit score: 800-819 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 49 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $999Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: CleanBill101 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
Misc home improvement
Purpose of loan:
Misc home repair


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

Very low debt owed - always pay loans of on time or early
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577053
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: $9,900.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $6,930 Estimated loss*: 0.75%  
Term: 36 months  
 
Lender yield: 5.25% Borrower rate/APR: 6.25% / 6.59% Monthly payment: $302.30
 
Lender servicing fee: 1.00% Effective Yield*: 5.25%  
Estimated return*: 4.50%  
* 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): 10 First credit line: Nov-1996 Debt/Income ratio: 15%
Credit score: 800-819 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:21y 10m
Amount delinquent: $0 Total credit lines: 30 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,238Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: blue-speedy-asset 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 / 1 On-time: 13 ( 100% ) 800-819 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
800-819 (Feb-2011)
 
Principal balance: $3,307.71 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Consolidating debt
Purpose of loan:
This loan will be used to pay off two credit cards. About half of this debt has been on a card charging 9.9% with the other half at 0%, but that teaser rate is moving to 8.9 starting in June. Getting this loan will let me pay off both cards at about 3% less than I'd otherwise be paying. This should also free up some monthly cash flow and allow me to better help my daughter who is just about to enter her first year of college.

My financial situation:
I am a good candidate for this loan because I've been employed for over 20 years continuously. About a year ago, I took out my first Prosper loan to get foam insulation installed in my attic and I haven't missed a payment yet.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577091
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 9.90%  
Term: 60 months  
 
Lender yield: 26.05% Borrower rate/APR: 27.05% / 29.68% Monthly payment: $458.48
 
Lender servicing fee: 1.00% Effective Yield*: 25.40%  
Estimated return*: 15.50%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jul-1998 Debt/Income ratio: 26%
Credit score: 640-659 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 12 / 12Length of status:13y 0m
Amount delinquent: $0 Total credit lines: 29 Occupation: Fireman
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $34,422Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: blue-pious-liberty 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: 10 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
660-679 (Mar-2012)
660-679 (May-2011)
 
Principal balance: $238.73 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Second prosper loan
This will be my second proser loan. I take my finances very seriousely and am seeking another loan for some additional home repairs. As I stated in my first prosper loan, I filed chapter 13 approx 7 years ago and it wrecked my credit.Since then I have taken pride in paying my financial obligation back on time and have tried to build my credit score back to what it use to be. If you invest in me you will get your funds back.

Sorry once again to those that invested in me in my last listing. I stated that I made 80000 dollars a year ( which is factual ) but that includes rental income, which prosper wont accept. I am reposting with the amount that I make from my primary job. Prosper has all required documents and I am told there should not be an issue this time. Thank you
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577093
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 3.30%  
Term: 60 months  
 
Lender yield: 12.96% Borrower rate/APR: 13.96% / 15.78% Monthly payment: $581.19
 
Lender servicing fee: 1.00% Effective Yield*: 12.91%  
Estimated return*: 9.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-1996 Debt/Income ratio: 9%
Credit score: 800-819 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:10y 9m
Amount delinquent: $0 Total credit lines: 46 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $209Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: benjamins-hawk3 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Dwon payment
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577107
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,500 Estimated loss*: 9.90%  
Term: 60 months  
 
Lender yield: 26.05% Borrower rate/APR: 27.05% / 29.68% Monthly payment: $168.11
 
Lender servicing fee: 1.00% Effective Yield*: 25.40%  
Estimated return*: 15.50%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1996 Debt/Income ratio: 56%
Credit score: 620-639 (Mar-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 15 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,442Stated income:$1-$24,999
Delinquencies in last 7y: 7 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: bigtime300 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 28 ( 97% ) 620-639 (Latest)
Principal borrowed: $5,000.00< 31 days late: 1 ( 3% )  
580-599 (Jun-2007)
580-599 (May-2007)
520-539 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Consolidate, keep improving credit.
Purpose of loan:
This loan will be used to consolidate my credit cards I had to use while in school into one monthly payment. This loan would pay down the balance instead of meeting just the minimum payments and never affecting the credit card balances. All credit cards are paid current and have never been late.

My financial situation:
I am a good candidate for this loan because I have a solid track record with my last prosper loan. One "late" payment on my prosper loan record was due to a change in banks. Otherwise, I have kept a very clean credit record since then with no missed payments/delinquencies.

Monthly net income: $1700 to $1900
Monthly expenses: $ 1460
Housing: $325
Insurance: $87
Car payment: $316.88
Utilities: $100
Phone, cable, internet: $90
Food, entertainment: $400
Credit cards and other loans:
Discover card: $ 2446 @ 17% $ 66
Household Bank: $ 662 @ 18% $ 25
USBC Visa: $ 1215 @ 17% $ 50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577135
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 8.80%  
Term: 12 months  
 
Lender yield: 13.34% Borrower rate/APR: 14.34% / 24.15% Monthly payment: $224.87
 
Lender servicing fee: 1.00% Effective Yield*: 13.04%  
Estimated return*: 4.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-2003 Debt/Income ratio: 16%
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 11 Occupation: Engineer - Chemical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,330Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: peaceful-peace2 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
Income Tax Income
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577143
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $131.24
 
Lender servicing fee: 1.00% Effective Yield*: 23.12%  
Estimated return*: 14.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-2008 Debt/Income ratio: 7%
Credit score: 640-659 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:0y 8m
Amount delinquent: $388 Total credit lines: 18 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $888Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: pure-silver7 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
Funds for a Wedding
Purpose of loan:
This loan will be used for funds for my wedding next fall.

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


Monthly net income: $ 3200
Monthly expenses: $ 200
Housing: $ 800
Insurance: $ 0
Car expenses: $ 0
Utilities: $ 120
Phone, cable, internet: $ 60
Food, entertainment: $ 50
Clothing, household expenses: $ 0-100
Credit cards and other loans: $ 0
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577149
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: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $172.08
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1975 Debt/Income ratio: 18%
Credit score: 720-739 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:10y 11m
Amount delinquent: $0 Total credit lines: 40 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,338Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: contract-sceptre2 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement loan and wedding
Purpose of loan:
This loan will be used to...put in a new sidewalk at my home and help out with my daughter's wedding

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.
 
Borrower Payment Dependent Notes Series 577159
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 3.30%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $258.10
 
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: Sep-2001 Debt/Income ratio: 18%
Credit score: 740-759 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,413Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: benevolent-camaraderi244 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
Medical Procedure
Purpose of loan:
This loan will be used to complete a medical procedure that has caused me much grief.

My financial situation:
I am a good candidate for this loan because I have an excellent credit score, have never defaulted on a loan, and I have a steady income at a stable job( English Teacher).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577191
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-2006 Debt/Income ratio: 17%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: epic-auction572 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Surgery
Purpose of loan: surgery
This loan will be used to... Improve myself

My financial situation: great. Full time job, pay my bills on time
I am a good candidate for this loan because... I need it and will make the payments


Monthly net income: $4083.00
Monthly expenses: $
Housing: $
Insurance: $160.00
Car expenses: $ 412.00
Utilities: $200
Phone, cable, internet: $85
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577239
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $243.57
 
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-2000 Debt/Income ratio: 11%
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 8Length of status:33y 9m
Amount delinquent: $270 Total credit lines: 27 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,339Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: canal55 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
Cover Buss Operating Expenses
Purpose of loan:
This loan will be used to cover temporary operating expenses to grow a tow truck business. We need to bring on two additional drivers but client payments are in arrears.

My financial situation:
I am a good candidate for this loan because our business is solid, our client base is growing and I have my own income aside from the business that can be used to repay the loan.

Monthly net income: $7,000
Monthly expenses: $
Housing: $1881
Insurance: $391
Car expenses: $568
Utilities: $370
Phone, cable, internet: $305
Food, entertainment: $400
Clothing, household expenses: $256
Credit cards and other loans: $278
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577245
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $384.58
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.50%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1994 Debt/Income ratio: 14%
Credit score: 720-739 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,412Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: worth-monster2 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
New business start up!
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577293
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $9,500 Estimated loss*: 4.20%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $326.95
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 9.06%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-2000 Debt/Income ratio: 48%
Credit score: 720-739 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 32 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,820Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: songbird469 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% ) 720-739 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
760-779 (Sep-2011)
 
Principal balance: $8,833.16 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Refinance Current Loan
Purpose of loan:
This loan will be used to refinance my current loan.

My financial situation:
I am a good candidate for this loan because the current loan has paid as agreed and will continue to do so!


Monthly net income: $3,244
Monthly expenses: $
Housing: $693
Insurance: $
Car expenses: $596
Utilities: $100
Phone, cable, internet: $50
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $254
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577297
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $384.58
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.50%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1992 Debt/Income ratio: 28%
Credit score: 720-739 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:17y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,579Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: lean-community6 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577335
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 6.50%  
Term: 36 months  
 
Lender yield: 17.74% Borrower rate/APR: 18.74% / 22.46% Monthly payment: $273.94
 
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: Dec-1995 Debt/Income ratio: 11%
Credit score: 740-759 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 5Length of status:23y 1m
Amount delinquent: $0 Total credit lines: 44 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: newest-loyalty-enclave Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 8 ( 100% ) 740-759 (Latest)
Principal borrowed: $9,200.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2011)
700-719 (Jan-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
consolidating debt
Purpose of loan:
This loan will be used to...consolidate debt

My financial situation: Consolidated Community Credit Union
I am a good candidate for this loan because...I am very responsible


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577353
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 11.90%  
Term: 60 months  
 
Lender yield: 27.70% Borrower rate/APR: 28.70% / 31.38% Monthly payment: $268.26
 
Lender servicing fee: 1.00% Effective Yield*: 27.01%  
Estimated return*: 15.11%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1995 Debt/Income ratio: 37%
Credit score: 720-739 (Mar-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 21 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,977Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: lucrative-generosity1 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
credit cards and home improvement
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1440.00
Monthly expenses: $
Housing: $835.00
Insurance: $100.00
Car expenses: $200.00
Utilities: $220.00
Phone, cable, internet: $150.00
Food, entertainment: $200.00
Clothing, household expenses: $50.00
Credit cards and other loans: $85.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577371
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 5.65%  
Term: 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: Feb-1984 Debt/Income ratio: 38%
Credit score: 720-739 (Mar-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 19 / 19Length of status:12y 3m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,211Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: transaction-eclair4 Borrower's state: Arkansas 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 Consoldate
Purpose of loan:
Pay off credit cards

Monthly net income: $4500
Monthly expenses: $
Housing: $975
Insurance: $32
Car expenses: $131
Utilities: $115
Phone, cable, internet: $54
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $971
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 570974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1984 Debt/Income ratio: 20%
Credit score: 660-679 (Mar-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:14y 11m
Amount delinquent: $184 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,561Stated income:$50,000-$74,999
Delinquencies in last 7y: 13 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: wampum-strawberry1 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
A Baby, Our Family
Purpose of loan:
This loan will be used to...start our family after finding out we are unable to have our own children. We can't express the shock at this news, and are looking forward to adopting a precious little baby. Unfortunately, the cost of adoption is very high and we need a little extra immediate cash for the process.

My financial situation:
I am a good candidate for this loan because we will be able to pay off this loan a lot sooner than the financed date. We have the income to pay for what we borrow through Prosper.


Monthly net income: $3800
Monthly expenses: $
Housing: $1000
Insurance: $
Car expenses: $500
Utilities: $120
Phone, cable, internet: $50
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 573932
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: B Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $206.50
 
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: Oct-1991 Debt/Income ratio: 22%
Credit score: 740-759 (Mar-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 20Length of status:23y 4m
Amount delinquent: $0 Total credit lines: 53 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $76,879Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: dough-serrano 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
Taxes
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575218
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
Minimum Amount to Fund: $4,900 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $204.15
 
Lender servicing fee: 1.00% Effective Yield*: 23.12%  
Estimated return*: 14.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: May-2009 Debt/Income ratio: 14%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 7 Occupation: Student - College G...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,139Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: organic-agreement6 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
HOME IMPROVEMENT
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 575720
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: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.52% Borrower rate/APR: 24.52% / 28.37% Monthly payment: $237.04
 
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): 6 First credit line: Jan-1992 Debt/Income ratio: 18%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 3Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $96Stated income:$1-$24,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: bonus-festival 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 576848
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 11.77% Monthly payment: $349.75
 
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): 10 First credit line: May-1996 Debt/Income ratio: 8%
Credit score: 720-739 (Mar-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,588Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: andrew Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 26 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
(Feb-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Consolidate debt
I am setting up a loan for a friend who I am encouraging to consolidate debt.

I'm guaranteeing the loan on his behalf, but I am ultimately going to pass the interest rate charges to him. I could, however, if he was unable, pay back this amount on my own.

About me (the guarantor of the loan -- funds will be coming from my primary checking account):

I work in finance in New York for a well known firm. I have only listed my base salary, and not my variable/incentive compensation. I am currently saving roughly 20% of my income. I've previously used Prosper (back in the early days -- 2006 -- and I paid that loan back in full).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 576862
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,300.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $11,300 Estimated loss*: 6.50%  
Term: 36 months  
 
Lender yield: 17.74% Borrower rate/APR: 18.74% / 22.46% Monthly payment: $412.73
 
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): 2 First credit line: Jan-2004 Debt/Income ratio: Not calculated
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 5 / 2Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 18Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 
Delinquencies in last 7y: 7 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: sunny63 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 54 ( 96% ) 680-699 (Latest)
Principal borrowed: $7,800.00< 31 days late: 2 ( 4% )  
740-759 (Jul-2009)
700-719 (Oct-2008)
700-719 (Dec-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 56  
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 576938
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1988 Debt/Income ratio: 20%
Credit score: 720-739 (Apr-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 18Length of status:11y 4m
Amount delinquent: $0 Total credit lines: 34 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,524Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: dough-keeper4 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
consolidate bills
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 576968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.52% Borrower rate/APR: 24.52% / 28.37% Monthly payment: $592.60
 
Lender servicing fee: 1.00% Effective Yield*: 22.94%  
Estimated return*: 11.04%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1985 Debt/Income ratio: 38%
Credit score: 740-759 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:14y 7m
Amount delinquent: $0 Total credit lines: 32 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,664Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: market-mesh 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
Purpose of loan:
This loan will be used to...

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.
 
Borrower Payment Dependent Notes Series 576986
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
Minimum Amount to Fund: $6,300 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: Oct-2003 Debt/Income ratio: 12%
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 14 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $2,535Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: kindness-bada-bing9 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
Unexpected expenses/Wedding
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3500.00
Monthly expenses: $1400
Housing: $650.00
Insurance: $105.00
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577000
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $384.58
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.50%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1983 Debt/Income ratio: 11%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 18 / 11Length of status:2y 4m
Amount delinquent: $80,940 Total credit lines: 46 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,355Stated income:$100,000+
Delinquencies in last 7y: 22 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: bid-kayak6 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Off Second Mortgage
Purpose of loan:
This loan will be used to...Decrease the amount of time necessary to pay off outstanding debt. I am recently divorced after a 30 year marriage.

My financial situation:
I am a good candidate for this loan because...I have a good payment history and excellent income. Any derogatory items on the credit report are due to my ex husband and I am systematically attacking and clearing my debt


Monthly net income: $9300
Monthly expenses: $
Housing: $ 1850
Insurance: $700
Car expenses: $350
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $1200
Other expenses: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Mar-1994 Debt/Income ratio: 63%
Credit score: 700-719 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 20Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 36 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,903Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: blue-return-drum Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto Repair
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577022
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 3.30%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $129.05
 
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: Nov-1993 Debt/Income ratio: 33%
Credit score: 720-739 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 33 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,110Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: social-shrubbery3 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Starting a New Business
Purpose of loan:
This loan will be used to Start a Computer Repair Business

My financial situation:
I am a good candidate for this loan because I am a hard worker and I always pay my debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577044
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: $2,800.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $121.60
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Feb-1987 Debt/Income ratio: 20%
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 41 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,398Stated income:$75,000-$99,999
Delinquencies in last 7y: 12 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: priceless-truth5 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
Payoff High Interest loan
Purpose of loan: Payoff a really high interest loan
This loan will be used to...payoff a 31/2 yr 130% loan and daughters medical bill.

My financial situation: Wife works and I have a side job.
I am a good candidate for this loan because...Have good income and stable employment. This will reduce my monthly obligations.


Monthly net income: $5000
Monthly expenses: $3967
Housing: $1320
Insurance: $360
Car expenses: $390
Utilities: $250
Phone, cable, internet: $300
Food, entertainment: $1200
Clothing, household expenses: $50
Credit cards and other loans: $935
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $379.13
 
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: Apr-1978 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Apr-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $64,811Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: ultimate-treasure4 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
Obtain Capital
Purpose of loan: Obtain Capital
This loan will be used to... purchase new inventory, shelving, cover lease costs and focus on profitability.

My financial situation: Stable
I am a good candidate for this loan because... my business is established and has grown consistently in the past 3 years, this loan will help us grow even larger than ever before.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577078
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 5.49% Borrower rate/APR: 6.49% / 6.83% Monthly payment: $766.11
 
Lender servicing fee: 1.00% Effective Yield*: 5.49%  
Estimated return*: 4.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: May-2000 Debt/Income ratio: 18%
Credit score: 820-839 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 10 Occupation: Biologist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $598Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: diversification-spy6 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan:
This loan will be used to.personal use

My financial situation:
I am a good candidate for this loan because...
I have excellent credit and stabel income
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577100
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.52% Borrower rate/APR: 24.52% / 28.37% Monthly payment: $177.78
 
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): 6 First credit line: Mar-1993 Debt/Income ratio: 8%
Credit score: 680-699 (Mar-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 3 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: new-bill-pie 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
Purpose of loan:
This loan will be used to... improve my home inside and out. Painting and a few minor upgrades is all I plan to do.

My financial situation:
I am a good candidate for this loan because... of my good credit and the fact that I can pay back the loan in a reasonable time.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577134
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 28.58% Borrower rate/APR: 29.58% / 33.55% Monthly payment: $126.67
 
Lender servicing fee: 1.00% Effective Yield*: 27.27%  
Estimated return*: 12.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1999 Debt/Income ratio: 8%
Credit score: 640-659 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,642Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: peace-prodigy6 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
Taxes
Purpose of loan:
This loan will be used to...pay taxes.

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


Monthly net income: $6000
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577154
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $108.57
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1991 Debt/Income ratio: 36%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 11Length of status:20y 8m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,021Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: healthy-responsibility2 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
Purpose of loan:
This loan will be used to... replace pipe

My financial situation:
I am a good candidate for this loan because... I'm reliable, hard worker , take care of family.


Monthly net income: $4500
Monthly expenses: $
Housing: $673.00
Insurance: $178.00
Car expenses: $450.00
Utilities: $200.00
Phone, cable, internet: $165.00
Food, entertainment: $50.00
Clothing, household expenses: $75.00
Credit cards and other loans: $2200
Other expenses: $125.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577218
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-2006 Debt/Income ratio: 19%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,144Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: meteoric-credit173 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
Other expenses
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577224
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $384.58
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.50%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1995 Debt/Income ratio: 18%
Credit score: 700-719 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 8Length of status:4y 7m
Amount delinquent: $14 Total credit lines: 32 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,403Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: No  
Screen name: mattabee1 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
consolidation for a CFP®,
Purpose of loan:
This loan will be used to...
pay credit Card debt that I acquired while getting my business running.
I am a good candidate for this loan because...

I am a Certified Financial Planner?, and in order to maintain good standing with the board of standards I cannot default on loans.
I also have the capacity to payback this obligation. I now have a strong and consistent income stream. I have created a solid and realistic budget using mint.com that I am sticking to and this would be the next step toward getting my balance sheet cleaned up.

Monthly net income: $6000 through reoccurring income with the potential for more.
Monthly expenses:
House: $1000
Ins.: $121
Car exp.: $600 (only 12 more payments)
Utilities: $300
Phone, cable, internet: 130
Food, ent.: $ 1500
Clothing expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577230
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 3.30%  
Term: 36 months  
 
Lender yield: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $419.41
 
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): 8 First credit line: Jun-1995 Debt/Income ratio: 14%
Credit score: 760-779 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $350Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: auction-horse7 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577236
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 5.65%  
Term: 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): 10 First credit line: Aug-2001 Debt/Income ratio: 14%
Credit score: 700-719 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 40 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,899Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: officer6 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
debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577246
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 2.00%  
Term: 60 months  
 
Lender yield: 11.96% Borrower rate/APR: 12.96% / 14.77% Monthly payment: $340.99
 
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-1993 Debt/Income ratio: 22%
Credit score: 780-799 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 12Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 40 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,569Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: Yes  
Screen name: LancerVI Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 780-799 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
740-759 (Aug-2010)
 
Principal balance: $7,926.57 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
Deck and Patio Improvement Project!
Purpose of loan:
To build a nice deck, pour a new patio and install a small hot tub. An extensive, however worthwhile investment in my homes livability and worth. It's long overdue!

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

I have a steady career in law enforcement and have been for going on 11 years now. Hence the need for a hot tub. All that gear is killing my back!

Also, my first Prosper loan helped me solve a credit card problem. Seeing as I don't want anymore of them and less to do with banks, I rather borrow from real people, hence, Prosper.

I have good cash flow and my bills are always paid; I just don't have this kind of cash lying around and again, I don't want to use a credit card or borrow from a bank. Credit Union is my last resort. I could probably get a better rate, but as I said, I liked this process so much better, it's worth it to me to pay a bit more.

Thanks for looking.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577266
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1989 Debt/Income ratio: 3%
Credit score: 700-719 (Apr-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 2Length of status:9y 8m
Amount delinquent: $12,241 Total credit lines: 26 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $774Stated income:$50,000-$74,999
Delinquencies in last 7y: 39 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: dedication-fuse Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation, taxes
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577294
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,450 Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.52% Borrower rate/APR: 24.52% / 28.37% Monthly payment: $533.34
 
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: Sep-1995 Debt/Income ratio: 14%
Credit score: 740-759 (Mar-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 3Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 26 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: upright-coin4 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
Purpose of loan: Debt consolidation
This loan will be used to...

My financial situation: I have good income and just want to consolidate some revolving debt
I am a good candidate for this loan because... I am consolidated some revolving debt to a fixed loan


Monthly net income: 5000
Monthly expenses: 3000
Housing: $2065
Insurance: $
Car expenses: 500
Utilities: $300
Phone, cable, internet: $0
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577302
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $561.21
 
Lender servicing fee: 1.00% Effective Yield*: 19.04%  
Estimated return*: 10.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1991 Debt/Income ratio: 31%
Credit score: 800-819 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,730Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: reward-voltage7 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
Purchase of an existing business.
Purpose of loan: purchase of an existing business..
This loan will be used to...

My financial situation: Is good
I am a good candidate for this loan because... I already have a existing small business and is doing verry well..


Monthly net income: $3100.00
Monthly expenses: $
Housing: $750.00
Insurance: $35.00
Car expenses: $100.00
Utilities: $100.00
Phone, cable, internet: $50.00
Food, entertainment: $125.00
Clothing, household expenses: $100.00
Credit cards and other loans: $100.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577308
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 11.77% Monthly payment: $158.98
 
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: Jul-2004 Debt/Income ratio: 10%
Credit score: 700-719 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,229Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: benefit-equalizer Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
740-759 (May-2011)
 
Principal balance: $1,512.04 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Loan Consolidation
Purpose of loan:
This loan will be used to pay off my credit card debt and move to a different apartment here in my town.

My financial situation:
I am a good candidate for this loan because I have a permanent job as a civil engineer along with good credit.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577314
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 3.30%  
Term: 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: May-1982 Debt/Income ratio: 15%
Credit score: 820-839 (Apr-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:22y 3m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,662Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: unassailable-community5 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
Purpose of loan:
This loan will be used for multiple things like doing some improvements around my home and also helping my children.

My financial situation:
I am a good candidate for this loan because I have little to no out going expenses on a monthly basis and the repayment of this loan on time or even early is a given
Information in the Description is not verified.