Listing Report:Supplement No. 5 dated May 10, 2012 to Prospectus dated Apr 30, 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 Apr 30, 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 Apr 30, 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 574224
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 28.99% Borrower rate/APR: 29.99% / 33.97% Monthly payment: $169.78
 
Lender servicing fee: 1.00% Effective Yield*: 27.66%  
Estimated return*: 12.76%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Oct-1990 Debt/Income ratio: 25%
Credit score: 640-659 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 54 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,733Stated income:$75,000-$99,999
Delinquencies in last 7y: 9 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: powerful-compassion9 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: 30 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
700-719 (Aug-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Vacation with elderly parent
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 577614
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 28.85% Monthly payment: $596.32
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
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): 5 First credit line: Jun-1995 Debt/Income ratio: 45%
Credit score: 780-799 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:18y 11m
Amount delinquent: $0 Total credit lines: 30 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,520Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: brightest-order-swashbuckler Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to make some home improvements.

My financial situation:
I am a good candidate for this loan because I currently work full time at a job I've been employed at for 20 years and I maintain a steady income.


Monthly net income: $
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 579280
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1994 Debt/Income ratio: 29%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 43 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $667Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: neptune896 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
Cash Reserves/Taxes
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 585308
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2000 Debt/Income ratio: 6%
Credit score: 660-679 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 3 / 3Length of status:3y 11m
Amount delinquent: $886 Total credit lines: 7 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $250Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: newest-wealth-gusto Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt settling for an awesome future
Purpose of loan: This loan will be used to... Settle debts, pay bills, get ahead, build credit, create an awesome future for my new family!My financial situation: I am a good candidate for this loan because... My debt is mild, credit easily repaired with a small cash infusion, the reward for my new wife and newer daughter are huge!Monthly net income: $3500Monthly expenses: $3200Housing: $Insurance: $Car expenses: $0.00Utilities: $Phone, cable, internet: $0.00Food, entertainment: $Clothing, household expenses: $Credit cards and other loans: $Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 586278
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $146.43
 
Lender servicing fee: 1.00% Effective Yield*: 23.32%  
Estimated return*: 14.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-2001 Debt/Income ratio: 8%
Credit score: 660-679 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 5Length of status:0y 8m
Amount delinquent: $2,459 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,624Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: brilliant-peace4 Borrower's state: Oklahoma 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
Hays project
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 586866
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1997 Debt/Income ratio: 10%
Credit score: 660-679 (May-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 30 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,762Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: peso-trajectory Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off 401k
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 586978
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.30%  
Term: 60 months  
 
Lender yield: 14.51% Borrower rate/APR: 15.51% / 17.85% Monthly payment: $601.46
 
Lender servicing fee: 1.00% Effective Yield*: 14.45%  
Estimated return*: 11.15%  
* 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-1976 Debt/Income ratio: 12%
Credit score: 840-859 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:15y 4m
Amount delinquent: $0 Total credit lines: 25 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,742Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: peso-piano0 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
Business Start UP
Purpose of loan:
This loan will be used to start up a kitchen/home goods store.

My financial situation:
I am a good candidate for this loan because...I have a stable income, excellent credit and equity in my home and have assests.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587080
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $119.86
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1998 Debt/Income ratio: 59%
Credit score: 660-679 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,614Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: graybil2 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
dental
Purpose of loan: dental work
This loan will be used to...get my implant and partial denture

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


Monthly net income: $2000.00
Monthly expenses: $1495.00
Housing: $325.00
Insurance: $125.00
Car expenses: $295.00
Utilities: $170.00
Phone, cable, internet: $0.00
Food, entertainment: $50.00
Clothing, household expenses: $100.00
Credit cards and other loans: $430.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587308
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-2005 Debt/Income ratio: 23%
Credit score: 660-679 (May-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 8 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,162Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: blazing-credit3 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
Funds to Build Up my credit
Purpose of loan: Debt Consolidation
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 587346
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 28.85% Monthly payment: $278.28
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
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): 5 First credit line: Apr-1996 Debt/Income ratio: 33%
Credit score: 720-739 (May-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: momentous-justice9 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
medical
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587358
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
Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $303.38
 
Lender servicing fee: 1.00% Effective Yield*: 20.00%  
Estimated return*: 11.10%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-2003 Debt/Income ratio: 26%
Credit score: 680-699 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,781Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: deal-blackberry362 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
vacation
Purpose of loan: vacation
This loan will be used to... pay for our vacation

My financial situation: excellent
I am a good candidate for this loan because...
i will pay my payment on time

Monthly net income: $ 6000
Monthly expenses: $3000
Housing: $1000
Insurance: $200
Car expenses: $600
Utilities: $100
Phone, cable, internet: $
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587388
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1999 Debt/Income ratio: 2%
Credit score: 700-719 (May-2012) Inquiries last 6m: 14Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 11 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $334Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: versatile-openness473 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
cosmetic sergery loan
Purpose of loan:
This loan will be used to... cosmetic sergery bill

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

Monthly net income: $5,800
Monthly expenses: $3,280
Housing: $1750
Insurance: $250
Car expenses: $0
Utilities: $300
Phone, cable, internet: $80
Food, entertainment: $300
Clothing, household expenses: $300
Credit cards and other loans: $0
Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587400
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: $24,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.00%  
Term: 60 months  
 
Lender yield: 9.85% Borrower rate/APR: 10.85% / 13.08% Monthly payment: $520.02
 
Lender servicing fee: 1.00% Effective Yield*: 9.84%  
Estimated return*: 8.84%  
* 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: Jan-1992 Debt/Income ratio: 14%
Credit score: 780-799 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 45 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,352Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: Yes  
Screen name: gogo_ya72 Borrower's state: Missouri Borrower's group: Debt Consolidators Unite!
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
Even lower monthly payments
Purpose of loan:
This loan will be used to...Consolidate debt

My financial situation:
I am a good candidate for this loan because...I have been with my current employer for almost 6 years, I have a great stable job given the past few years of economic uncertainties. I have 4 credit cards with over $15,000 in available credit and I use less than 1/4 of that in revolving credit that I use and payoff. I just want to have one easy payment to make to prosper and my house mortgage each month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587426
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 28.58% Borrower rate/APR: 29.58% / 33.55% Monthly payment: $168.89
 
Lender servicing fee: 1.00% Effective Yield*: 27.27%  
Estimated return*: 12.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2001 Debt/Income ratio: 35%
Credit score: 660-679 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 10 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,810Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: wise-fabulous-benjamins 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
dept consolidation
Purpose of loan:
This loan will be used to...pay off a credit card

My financial situation:
I am a good candidate for this loan because...i always pay on time and never miss a payment.


Monthly net income: $2,700
Monthly expenses: $
Housing: $0
Insurance: $0
Car expenses: $325.00
Utilities: $130.00
Phone, cable, internet: $45.00
Food, entertainment: $200.00
Clothing, household expenses: $25.00
Credit cards and other loans: $500.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587504
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $132.73
 
Lender servicing fee: 1.00% Effective Yield*: 20.00%  
Estimated return*: 11.10%  
* 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-1996 Debt/Income ratio: 37%
Credit score: 720-739 (May-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 2 Current / open credit lines: 8 / 6Length of status:3y 10m
Amount delinquent: $41 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $632Stated income:$25,000-$49,999
Delinquencies in last 7y: 22 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: new-restless-rupee Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Funds for Quality of Life Issue
Purpose of loan:
This loan will be used to...make immediate payment for dental implants.

My financial situation:
I am a good candidate for this loan because..I have no housing payment and pay all my accounts on time..


Monthly net income: $1,800
Monthly expenses: $750
Housing: $0
Insurance:
Car expenses: $150
Utilities: $0
Phone, cable, internet:
Food, entertainment: $200
Clothing, household expenses: $150
Credit cards and other loans: $200
Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587578
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.00%  
Term: 60 months  
 
Lender yield: 9.85% Borrower rate/APR: 10.85% / 13.08% Monthly payment: $216.68
 
Lender servicing fee: 1.00% Effective Yield*: 9.84%  
Estimated return*: 8.84%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jun-1988 Debt/Income ratio: 10%
Credit score: 820-839 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:19y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,118Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: commanding-interest1 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.
Description
No risk Loan
Purpose of loan:
This loan will be used to... Purchase Harley-Davidson

My financial situation:
I am a good candidate for this loan because...
I have a Long Proven track record of Being deligent in paying all previous debts. Also work in a Recession Proof business and have a long stable work history with a excellent credit score.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587590
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Sep-1998 Debt/Income ratio: 44%
Credit score: 760-779 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,214Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: credit-master8 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
Debt Consolidation
This loan will be used to consolidate several credit card balances.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587606
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 9.90%  
Term: 60 months  
 
Lender yield: 25.10% Borrower rate/APR: 26.10% / 28.70% Monthly payment: $450.00
 
Lender servicing fee: 1.00% Effective Yield*: 24.48%  
Estimated return*: 14.58%  
* 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-2001 Debt/Income ratio: 48%
Credit score: 660-679 (May-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:8y 8m
Amount delinquent: $0 Total credit lines: 15 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,284Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: rate-adventure6 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2010)
 
Principal balance: $4,701.62 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Debt and Auto Refinancing
Purpose of loan: Debt Consolidation

This loan will be used to pay off a previous prosper loan and pay off a vehicle loan and a credit card

My financial situation: I recently was relocated to California and with the change in cost of living and housing I am refinancing in order to have a smaller monthly payment.

I am a good candidate for this loan because I am active duty Army and am always on time with any monethly payments. I am disciplined and honest and understand the responsibility that comes with financial obligations. I also have a stead income for the next 12 years with the U.S. Army.


Monthly net income: $4390.00
Monthly expenses: $ 3680.00
Housing: $ 1195.00
Insurance: $ 195.00
Car expenses: $ 880.00
Utilities: $ 445.00
Phone, cable, internet: $ 185.00
Food, entertainment: $ 260.00
Clothing, household expenses: $ 110.00
Credit cards and other loans: $ 330.00
Other expenses: $ 80.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587620
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: D Listing Duration: 14 days
Estimated loss*: 9.90%  
Term: 36 months  
 
Lender yield: 21.87% Borrower rate/APR: 22.87% / 26.68% Monthly payment: $115.93
 
Lender servicing fee: 1.00% Effective Yield*: 21.34%  
Estimated return*: 11.44%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1991 Debt/Income ratio: 34%
Credit score: 620-639 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:15y 5m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,760Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: wise-foxy-agreement 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
720-739 (Oct-2011)
 
Principal balance: $5,294.49 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Auto repair and vacation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because... after I receive this loan and get the vehicle in driving condition, I will be able to save over 300 dollars monthly because I will be converting a family member to this smaller gas economical car as opposed to the 13 mile per gallon diesel engine truck we were driving.


Monthly net income: $2600
Monthly expenses: $300
Housing: $1015
Insurance: $95
Car expenses: $200
Utilities: $320
Phone, cable, internet: $150
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587698
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: B Listing Duration: 14 days
Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 16.68% Borrower rate/APR: 17.68% / 21.37% Monthly payment: $323.93
 
Lender servicing fee: 1.00% Effective Yield*: 16.39%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1987 Debt/Income ratio: 22%
Credit score: 720-739 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 29 / 28Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 47 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $109,435Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: ideal-bid496 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
Consolidation
Purpose of loan:
This loan will be used to...Improve Financial Situation

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


Monthly net income: $6000
Monthly expenses: $5500
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 587722
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $366.09
 
Lender servicing fee: 1.00% Effective Yield*: 23.32%  
Estimated return*: 14.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1994 Debt/Income ratio: 33%
Credit score: 680-699 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,581Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: phenomenal-transparency475 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 consoladation
Purpose of loan:
This loan will be used to...colsoladte existing loans

My financial situation:
I am a good candidate for this loan because.. I will meet my obligations and resposibilities


Monthly net income: $3,000.00
Monthly expenses: $1,500.00
Housing: $0
Insurance: $245.00
Car expenses: $ 275.00
Utilities: $
Phone, cable, internet: $80.00
Food, entertainment: $100.00
Clothing, household expenses: $300.00
Credit cards and other loans: $265.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587726
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
Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 28.85% Monthly payment: $238.53
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
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): 6 First credit line: Sep-1989 Debt/Income ratio: 22%
Credit score: 700-719 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,369Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: stylish-liberty2 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587746
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: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $395.37
 
Lender servicing fee: 1.00% Effective Yield*: 23.32%  
Estimated return*: 14.42%  
* 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: Nov-1989 Debt/Income ratio: 12%
Credit score: 640-659 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:25y 0m
Amount delinquent: $253 Total credit lines: 56 Occupation: Fireman
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $387Stated income:$75,000-$99,999
Delinquencies in last 7y: 28 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: triplets2005 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 payoff
Purpose of loan: debt consolidation
This loan will be used to...pay off taxes and other bills

My financial situation: is good and getting better.
I am a good candidate for this loan because...
have the monthly cash flow to pay bills and afford to pay this loan, just need the loan to pay back-taxes

Monthly net income: $4600-4800
Monthly expenses: $3500
Housing: $1200
Insurance: $159
Car expenses: $460
Utilities: $400
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587752
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.80%  
Term: 12 months  
 
Lender yield: 14.76% Borrower rate/APR: 15.76% / 23.55% Monthly payment: $1,087.41
 
Lender servicing fee: 1.00% Effective Yield*: 14.43%  
Estimated return*: 5.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1984 Debt/Income ratio: 19%
Credit score: 720-739 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 12 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,848Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: top-helpful-basis 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.
Description
Pay off Mortgage Loan
Purpose of loan: Pay off Mortgage Loan
This loan will be used to...

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


Monthly net income: $7650
Monthly expenses: $0
Housing: $2395
Insurance: $100
Car expenses: $600
Utilities: $500
Phone, cable, internet: $100
Food, entertainment: $150
Clothing, household expenses: $50
Credit cards and other loans: $250
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587762
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $292.87
 
Lender servicing fee: 1.00% Effective Yield*: 23.32%  
Estimated return*: 14.42%  
* 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-1994 Debt/Income ratio: 16%
Credit score: 720-739 (May-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:9y 11m
Amount delinquent: $0 Total credit lines: 30 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $74,302Stated income:$50,000-$74,999
Delinquencies in last 7y: 8 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: power-formula6 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
Improving my Credit
Purpose of loan: I will be paying off some credit card debt that I incurred when my daughter got sick.

My financial situation: Is good I have been with my current employer for over Ten years and work full time.
I am a good candidate for this loan because...I value my commitments and give priority to my obligations.


Monthly net income: $3200
Monthly expenses: $
Housing: $1020
Insurance: $80
Car expenses: $0
Utilities: $185
Phone, cable, internet: $65
Food, entertainment: $230
Clothing, household expenses: $60
Credit cards and other loans: $180 (but will be paid off with loan)
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587792
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.90%  
Term: 60 months  
 
Lender yield: 27.70% Borrower rate/APR: 28.70% / 31.38% Monthly payment: $473.39
 
Lender servicing fee: 1.00% Effective Yield*: 27.01%  
Estimated return*: 15.11%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-2007 Debt/Income ratio: 73%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 15Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,444Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: wonderous-marketplace3 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
Debt Consolidation Loan
Purpose of loan:
This loan will be used to consolidate debt.

My financial situation:
I am a good candidate for this loan because I have always paid all of my financial obligations in full, on time. I have stable income and an expected increase in the near future. I have a proven track record as well as a good credit score of 694.


Monthly net income: $2,700
Monthly expenses: $2,015
Housing: $600
Insurance: $200
Car expenses: $475
Utilities: $0 (included in rent)
Phone, cable, internet: $65
Food, entertainment: $400
Clothing, household expenses: $15
Credit cards and other loans: $275
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587828
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: $2,900.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 4.20%  
Term: 36 months  
 
Lender yield: 13.69% Borrower rate/APR: 14.69% / 18.32% Monthly payment: $100.09
 
Lender servicing fee: 1.00% Effective Yield*: 13.46%  
Estimated return*: 9.26%  
* 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-1986 Debt/Income ratio: 33%
Credit score: 700-719 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 14Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 45 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,382Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: pure-loyalty0 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
720-739 (Feb-2011)
 
Principal balance: $2,900.05 31+ days late: 0 ( 0% )
Total payments billed: 14  
Description
Refinance
Purpose of loan:
This loan will be used to...Refinance current loan for lower rate

My financial situation:
I am a good candidate for this loan because..I am a current Prosper customer in good standing.


Monthly net income: $4330
Monthly expenses: $
Housing: $890
Insurance: $50
Car expenses: $100
Utilities: $100
Phone, cable, internet: $198
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $1813
Other expenses: $217
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587834
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $455.06
 
Lender servicing fee: 1.00% Effective Yield*: 20.00%  
Estimated return*: 11.10%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2001 Debt/Income ratio: 13%
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 28 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,039Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: priceless-commitment2 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 Construction Overrun
This loan will be used to...Finish started construction. Exceeded projection

My financial situation: stable job and income
I am a good candidate for this loan because... Always pay debt


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 587858
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.50%  
Term: 60 months  
 
Lender yield: 21.20% Borrower rate/APR: 22.20% / 24.70% Monthly payment: $194.13
 
Lender servicing fee: 1.00% Effective Yield*: 20.70%  
Estimated return*: 14.20%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-2001 Debt/Income ratio: 20%
Credit score: 700-719 (May-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 29 / 22Length of status:13y 11m
Amount delinquent: $0 Total credit lines: 46 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,508Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: antoinejohnson 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 37 ( 100% ) 700-719 (Latest)
Principal borrowed: $15,610.00< 31 days late: 0 ( 0% )  
700-719 (Apr-2008)
640-659 (Sep-2006)
640-659 (Jun-2006)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 37  
Description
Debt Consolidation
Hello,

I have been a member of this site nearly since it's inception. I have completed two loans myself and I've help fund other loans for others.

Below is a list of the debts I will be paying off - Name/Total Owed/Monthly Pymt/Interest:
Cap One/$1003/$40/22%
Cap One/$890/$40/22%
Lowes/$1370/$40/21%
HomeDepot/$1215/$40/21%
Bank of America/$2392/$80/13%

My financial situation is quite good. I work for a Fortune 50 corporation as a sales manager and I've made 6 figures each of the last 8 years. Below is a more detailed snapshot.

Lastly - thank you for looking at my listing and potentially bidding on funding this loan. Thanks!

Income/Job Tenure: Approximately $10000 per month ? take home/13 years
Direct Deposit: Yes

Expenses:
Mortgage - 3600 once a month
Car- $600a month
Groceries - $800
Utilities (elec, water, phone) - $650
Debts - $1500 monthly
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 582733
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: $2,700.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $102.39
 
Lender servicing fee: 1.00% Effective Yield*: 20.00%  
Estimated return*: 11.10%  
* 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-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Apr-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:13y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,673Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: wealth-performer7 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 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: $5100
Monthly expenses: $3,269.45
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 587097
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 19.85% Borrower rate/APR: 20.85% / 23.32% Monthly payment: $269.69
 
Lender servicing fee: 1.00% Effective Yield*: 19.50%  
Estimated return*: 13.85%  
* 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-1992 Debt/Income ratio: 12%
Credit score: 680-699 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:16y 2m
Amount delinquent: $0 Total credit lines: 28 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,620Stated income:$100,000+
Delinquencies in last 7y: 12 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: value-champ9 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan: Home Improvements
This loan will be used to.. .Make repairs and updates inside and outside ect. appliances furnace/ air condition.

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


Monthly net income.$4500
Monthly expenses: $
Housing: $1200
Insurance: $200
Car expenses: $0
Utilities: $200
Phone, cable, internet: $250 includes cell phone
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $300
Other expenses: $250 gas and misc.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587263
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
Estimated loss*: 3.30%  
Term: 60 months  
 
Lender yield: 14.51% Borrower rate/APR: 15.51% / 17.85% Monthly payment: $360.88
 
Lender servicing fee: 1.00% Effective Yield*: 14.45%  
Estimated return*: 11.15%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-2000 Debt/Income ratio: 22%
Credit score: 760-779 (May-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: 25 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,899Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: capital-bloom8 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
debt payoff
Purpose of loan:
This loan will be used to pay off current debt to allow a smaller monthly payment as well as better interest rate

My financial situation:
I am a good candidate for this loan because I pay my bills on time and have a steady income
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587277
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: D Listing Duration: 14 days
Estimated loss*: 9.90%  
Term: 36 months  
 
Lender yield: 21.87% Borrower rate/APR: 22.87% / 26.68% Monthly payment: $502.35
 
Lender servicing fee: 1.00% Effective Yield*: 21.34%  
Estimated return*: 11.44%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1997 Debt/Income ratio: 22%
Credit score: 600-619 (May-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 11Length of status:14y 11m
Amount delinquent: $0 Total credit lines: 40 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,305Stated income:$75,000-$99,999
Delinquencies in last 7y: 39 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: msright75 Borrower's state: Texas Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 55 ( 98% ) 600-619 (Latest)
Principal borrowed: $5,000.00< 31 days late: 1 ( 2% )  
600-619 (Jul-2010)
520-539 (Feb-2008)
520-539 (Dec-2007)
520-539 (Nov-2007)
 
Principal balance: $1,532.30 31+ days late: 0 ( 0% )
Total payments billed: 56  
Description
A New Beginning
Purpose of loan: Debt Consolidation
This loan will be used to consolidate our debt and to free up some cash monthly.

My financial situation:
I am a good candidate for this loan because I have successfully paid off other Prosper loans and have always been current with my loan payments. My husband and I both have steady jobs in which we have held for over 15 years. Over the past year we have paid down our debt by over 40 percent.


Monthly net income: $10000
Monthly expenses:
Housing: $1700
Insurance: $300
Car expenses: $620
Utilities: $800
Phone, cable, internet: $300
Food, entertainment: $1000
Clothing, household expenses: $200
Credit cards and other loans: $1500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587319
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
Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $131.79
 
Lender servicing fee: 1.00% Effective Yield*: 23.32%  
Estimated return*: 14.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1983 Debt/Income ratio: 54%
Credit score: 700-719 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:12y 0m
Amount delinquent: $0 Total credit lines: 33 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,897Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: bill-phoenix0 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
Unexpected debts
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587335
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: B Listing Duration: 14 days
Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 16.68% Borrower rate/APR: 17.68% / 21.37% Monthly payment: $197.96
 
Lender servicing fee: 1.00% Effective Yield*: 16.39%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-2005 Debt/Income ratio: 19%
Credit score: 700-719 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 34 Occupation: Civil Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $80Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: trade-sushi0 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation and ??.
Purpose of loan:
This loan will be used to payoff some minor debt, like the final year in a car and household furnature. We also have a small outstanding tax debt due to adding a second income and miscalculation on W4.

My financial situation:
I am a good candidate for this loan because I have never defaulted on a loan. We have a stable income and 4+ yrs with the same employers. 10+ year continuous employment in the same field.


Monthly net income: $ 7400
Monthly expenses: $
Housing: $ 1200
Insurance: $ 120
Car expenses: $ 800 (2 cars)
Utilities: $ 250
Phone, cable, internet: $ 110
Food, entertainment: $ 400
Clothing, household expenses: $
Credit cards and other loans: $ 300
Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587469
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.30%  
Term: 36 months  
 
Lender yield: 11.70% Borrower rate/APR: 12.70% / 15.54% Monthly payment: $201.30
 
Lender servicing fee: 1.00% Effective Yield*: 11.66%  
Estimated return*: 8.36%  
* 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: Jul-1984 Debt/Income ratio: 5%
Credit score: 740-759 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:8y 10m
Amount delinquent: $0 Total credit lines: 9 Occupation: Student - College F...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,953Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: top-yield-observatory 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
change house
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1976 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (May-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,887Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: No  
Screen name: green-tender-commerce 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
working capital for business
Purpose of loan: working capital
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 587581
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: $2,300.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $87.22
 
Lender servicing fee: 1.00% Effective Yield*: 20.00%  
Estimated return*: 11.10%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2006 Debt/Income ratio: 23%
Credit score: 680-699 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,178Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: trade-saxaphone9 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation.
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
Am only needing the money for an emergency payment of bills. I am secure in my career. I can make my payments on time.


Monthly net income: $1,300
Monthly expenses: $300
Housing: $120
Insurance: $73
Car expenses: $0
Utilities: $50
Phone, cable, internet: $150
Food, entertainment: $50
Clothing, household expenses: $0
Credit cards and other loans:
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587623
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1991 Debt/Income ratio: 27%
Credit score: 660-679 (May-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 2 Current / open credit lines: 14 / 14Length of status:6y 0m
Amount delinquent: $308 Total credit lines: 31 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,063Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: power-maestro 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
Saving for a downpayment....
Purpose of loan:
This loan will be used to...we are saving for a downpayment on a house and this will help us move from our current apartment to another in our complex. The new apartment has less square footage and the monthly rent is 11% less. Our electric bill will also be substantially less due to new energy efficient appliances.

My financial situation:
I am a good candidate for this loan because...i have now missed any payments of any kind for 5 consecutive years. My credit card debt has consistantly decreased and my credit score has increased over the years.


Monthly net income: $4466
Monthly expenses: $3331
Housing: $1086
Insurance: $200
Car expenses: $650
Utilities: $95
Phone, cable, internet: $200
Food, entertainment: $200
Clothing, household expenses: $500
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587717
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 19.85% Borrower rate/APR: 20.85% / 23.32% Monthly payment: $404.54
 
Lender servicing fee: 1.00% Effective Yield*: 19.50%  
Estimated return*: 13.85%  
* 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-1977 Debt/Income ratio: 64%
Credit score: 740-759 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 45 Occupation: Construction
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $16,355Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: first-currency-portait Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to consolidate credit card debt into one payment at a lower interest rate to pay off debt faster.

My financial situation:
I am a good candidate for this loan because I pay my bills on time and committed to improving my financial situation by clearing up credit card debt.


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 587731
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: D Listing Duration: 14 days
Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 28.85% Monthly payment: $159.02
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
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): 5 First credit line: Nov-2004 Debt/Income ratio: 18%
Credit score: 740-759 (May-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:10y 4m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,675Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: wampum-uprising 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
pay off credit card /home improve
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587765
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 9.90%  
Term: 36 months  
 
Lender yield: 21.87% Borrower rate/APR: 22.87% / 26.68% Monthly payment: $251.17
 
Lender servicing fee: 1.00% Effective Yield*: 21.34%  
Estimated return*: 11.44%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Mar-2000 Debt/Income ratio: 36%
Credit score: 640-659 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 10Length of status:5y 1m
Amount delinquent: $3,052 Total credit lines: 20 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,586Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: basis-saguaro 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: 8 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
720-739 (Aug-2011)
 
Principal balance: $5,887.65 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Business renovation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587819
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: $15,500.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.64% Borrower rate/APR: 9.64% / 12.43% Monthly payment: $497.53
 
Lender servicing fee: 1.00% Effective Yield*: 8.62%  
Estimated return*: 6.62%  
* 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: Dec-1995 Debt/Income ratio: 38%
Credit score: 760-779 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:24y 0m
Amount delinquent: $0 Total credit lines: 49 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,840Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: Yes  
Screen name: trishon2001 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 26 ( 72% ) 760-779 (Latest)
Principal borrowed: $14,500.00< 31 days late: 10 ( 28% )  
760-779 (Nov-2010)
720-739 (Sep-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
need a new truck
Purpose of loan:
My financial situation:
I am a good candidate for this loan because...
need a new truck lately been having to put alot of money into my old truck its a 1999...so it started to make sense to me to get another one instead of it putting it into a old truck...im a good candidate because i have gotten and paid back 2 loans from prosper already
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587885
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: B Listing Duration: 14 days
Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 19.85% Borrower rate/APR: 20.85% / 23.32% Monthly payment: $107.88
 
Lender servicing fee: 1.00% Effective Yield*: 19.50%  
Estimated return*: 13.85%  
* 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-1996 Debt/Income ratio: 15%
Credit score: 700-719 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:10y 7m
Amount delinquent: $0 Total credit lines: 14 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,424Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: donkeyfarm-finance1 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
Farm equipment
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587891
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.30%  
Term: 36 months  
 
Lender yield: 11.70% Borrower rate/APR: 12.70% / 15.54% Monthly payment: $285.17
 
Lender servicing fee: 1.00% Effective Yield*: 11.66%  
Estimated return*: 8.36%  
* 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-1976 Debt/Income ratio: 23%
Credit score: 820-839 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:34y 8m
Amount delinquent: $0 Total credit lines: 32 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $130Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: auction-capo0 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
home improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587909
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
Estimated loss*: 3.30%  
Term: 60 months  
 
Lender yield: 14.51% Borrower rate/APR: 15.51% / 17.85% Monthly payment: $360.88
 
Lender servicing fee: 1.00% Effective Yield*: 14.45%  
Estimated return*: 11.15%  
* 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-1997 Debt/Income ratio: 14%
Credit score: 740-759 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $68,401Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: ecstatic-exchange4 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
debt consolidation
No description is available.
Information in the Description is not verified.