Listing Report:Supplement No. 12 dated May 14, 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 557344
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
Minimum Amount to Fund: $8,400 Estimated loss*: 6.10%  
Term: 12 months  
 
Lender yield: 12.04% Borrower rate/APR: 13.04% / 20.78% Monthly payment: $1,072.03
 
Lender servicing fee: 1.00% Effective Yield*: 11.78%  
Estimated return*: 5.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Aug-1994 Debt/Income ratio: 44%
Credit score: 700-719 (Apr-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 33 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,446Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: UND_Sioux Borrower's state: Texas Borrower's group: Debt Consolidators
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: 28 ( 72% ) 700-719 (Latest)
Principal borrowed: $15,500.00< 31 days late: 11 ( 28% )  
660-679 (Mar-2011)
620-639 (Sep-2009)
620-639 (Dec-2007)
600-619 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 39  
Description
Need to Pay debt before Marriage
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 574176
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: $3,200.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,200 Estimated loss*: 14.60%  
Term: 12 months  
 
Lender yield: 22.43% Borrower rate/APR: 23.43% / 31.37% Monthly payment: $301.71
 
Lender servicing fee: 1.00% Effective Yield*: 21.42%  
Estimated return*: 6.82%  
* 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-2008 Debt/Income ratio: Not calculated
Credit score: 660-679 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 6 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,223Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: interest-parsec 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
Small auto loan
Purpose of loan: I'm going to be purchasing a cash car for better transportation.
This loan will be used to give me an opportunity to purchase a better car to ensure my transportation to school and work.

I am a good candidate for this loan because I budget my money and I've never missed a payment on anything from a car note to my phone bill. I will assure the I pay my payments days in advance so a late payment will never be made.


Monthly net income: $1200
Monthly expenses: $700
Insurance: $100 full coverage
Car expenses: $60 for gas bi weekly
Phone, cable, internet: $110 for cell phone
Food, entertainment: $200 budgeted for any expense
Credit cards and other loans: $150 bi weekly for credit cards
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 574242
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 8.90%  
Term: 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: Dec-1998 Debt/Income ratio: 11%
Credit score: 680-699 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 5Length of status:13y 0m
Amount delinquent: $150 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $59,333Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: dr1ver8 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
Household Expense/Pay Down Debt
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 580344
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 4.20%  
Term: 60 months  
 
Lender yield: 17.30% Borrower rate/APR: 18.30% / 20.71% Monthly payment: $281.13
 
Lender servicing fee: 1.00% Effective Yield*: 17.00%  
Estimated return*: 12.80%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-1993 Debt/Income ratio: 22%
Credit score: 660-679 (Apr-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:28y 2m
Amount delinquent: $0 Total credit lines: 32 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,270Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: victoria274 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 44 ( 100% ) 660-679 (Latest)
Principal borrowed: $11,000.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2008)
680-699 (Nov-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 44  
Description
HOME IMPROVEMENT LOAN
Purpose of loan: Home Improvement
This loan will be used to..Need to finish fixing up my house paint new windows in 2 rooms and carpet. Also to pay off 3 small credit cards. This will also free up another $150 a month..

My financial situation:
I am a good candidate for this loan because I have had 2 previous loans with prosper. My boyfriend and i take home $1000 every other week taking care of my resident., Plus rent and my other job I make $1000 a month Also.in the last six months I have paid off a total of $1200 monthly bills.Prefer the 5 yr payoff that way I can pay extra and pay off sooner. Thank u so much for your help.


Monthly net income: $2000-2400
Monthly expenses: $
Housing: $330
Insurance: $100
Car expenses: $350
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 584052
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.60%  
Term: 12 months  
 
Lender yield: 22.43% Borrower rate/APR: 23.43% / 31.37% Monthly payment: $377.14
 
Lender servicing fee: 1.00% Effective Yield*: 21.42%  
Estimated return*: 6.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1986 Debt/Income ratio: 7%
Credit score: 640-659 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 15 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $305Stated income:$100,000+
Delinquencies in last 7y: 46 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: active-liberty130 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
Car Financing
Purpose of loan:
This loan will be used to...buy a used car

My financial situation:
I am a good candidate for this loan because...I have the ability to pay this off quickly and swiftly. My wife and I have had some financial difficulties in the past due to sickness in the family and a layoff. We have been back on track for several years and are in need of a used car. Please consider lending to me, I will not dissapoint you! Thank you very much!

Monthly net income: $ $15,000.00
Monthly expenses: $
Housing: $ $1,800.00
Insurance: $ $165.00
Car expenses: $ 403.00
Utilities: $215.00
Phone, cable, internet: $ 500.00 (home and mobile)
Food, entertainment: $ 1400
Clothing, household expenses: $ 500.00
Credit cards and other loans: $ 500.00
Other expenses: $ 600.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 585074
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Nov-2000 Debt/Income ratio: Not calculated
Credit score: 680-699 (May-2012) Inquiries last 6m: 4Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 2 / 3Length of status:12y 4m
Amount delinquent: $333 Total credit lines: 9Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $61,269 
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: trustworthy-dollar994 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
I have always honored my commitments. My oldest daughter has moved in with me and has cut my expenses considerably. Thank you for this opportunity.

Monthly net income: $3400
Monthly expenses: $
Housing: $1800
Insurance: $60
Car expenses: $0
Utilities: $200
Phone, cable, internet: $
Food, entertainment: $





Clothing, household expenses: $
Credit cards and other loans: $300




Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 586806
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: $10,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $398.18
 
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: Dec-1993 Debt/Income ratio: 25%
Credit score: 720-739 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,788Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: high-five715 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation Loan
Purpose of loan:
This loan will be used to... Consolidate and pay off all existing revolving credit accounts to aviod paying the high interest rates associated with the existing accounts. Post payments, these accounts will be closed.

My financial situation:
I am a good candidate for this loan because... I truly do care about the quality of my credit rating and ensuring that my debts are paid on time and with diligence.


Monthly net income: $ 4,000.00
Monthly expenses: $
Housing: $ 1100.00
Insurance: $ 100.00
Car expenses: $0.00
Utilities: $ 40.00
Phone, cable, internet: $ 120.00
Food, entertainment: $ 200.00
Clothing, household expenses: $ 200.00
Credit cards and other loans: $ 700.00
Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587556
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 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: Jun-1982 Debt/Income ratio: 13%
Credit score: 700-719 (May-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 34 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $488Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: fair-affluence4 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
reward ob
Purpose of loan: gold wing
This loan will
My financial situation: total worldly debt less than 1000.
I am a good candidate for this loan because- no mortgage,, only son out of college,


Monthly net income: $2650
Monthly expenses: $
Housing: $325
Insurance: $88
Car expenses: $0
Utilities: $70
Phone, cable, internet: $99
Food, entertainment: $600
Clothing, household expenses: $
Credit cards and other loans: $100
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587662
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $170.65
 
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-1997 Debt/Income ratio: 14%
Credit score: 660-679 (May-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,307Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: OrangeSage 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
Pay off medical debt
Purpose of loan:
This loan will be used to pay off medical debt accrued over the last year. Last year, I was diagnosed with Hashimoto's disease, an ailment of the thyroid. In addition to my remaining bills from 2011, I have been out of work for the last month with pneumonia. I have bill collectors calling me every day and I just want to pay what I owe quickly.

My financial situation:
I am a good candidate for this loan because I have a full-time job with a Fortune 500 company. I return to work on May 14th and will be working as much overtime as I can get to pay off my debt. I'm a responsible homeowner. I'm a wife and the mother to two young daughters.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588060
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
Minimum Amount to Fund: $7,000 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: Mar-1993 Debt/Income ratio: 19%
Credit score: 740-759 (Apr-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $131,580Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: helpothers Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
I'm using this loan to consolidate debt arising from growing my consulting business and relocating from the East Coast to the West Coast to take a corporate professional position.

My financial situation:
I can currently manage my credit card payments and other debts including a mortgage. I'm a full-time W-2 professional with advanced education. I'm simply trying to consolidate multiple monthly payments into a single Prosper payment. I've owned homes for the last decade, have a solid W-2 income as well as growing consulting income, and do not have a family or other significant financial obligations to support besides myself.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588174
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (May-2012) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:12y 4m
Amount delinquent: $603 Total credit lines: 35 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,851Stated income:$25,000-$49,999
Delinquencies in last 7y: 31 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: durable-hope5 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
auto loan
Purpose of loan: auto loanThis loan will be used to...

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

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 588394
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $439.30
 
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: Jun-1998 Debt/Income ratio: Not calculated
Credit score: 640-659 (May-2012) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,548Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: wampum-rocker0 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
Green Energy
Purpose of loan:
This loan will be used to purchase equipment necessary to establish solar and wind energy on "off the grid" land where people will learn holistic/sustainable agriculture (Permaculture).

My financial situation:
I am a good candidate for this loan because I have great credit history, no major debts and no rent or mortgage payments.


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 588556
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: D Listing Duration: 14 days
Minimum Amount to Fund: $9,000 Estimated loss*: 9.90%  
Term: 36 months  
 
Lender yield: 21.87% Borrower rate/APR: 22.87% / 26.68% Monthly payment: $347.78
 
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: Mar-1995 Debt/Income ratio: 16%
Credit score: 620-639 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 27 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,297Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: curious166 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: 15 ( 100% ) 620-639 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2011)
780-799 (Feb-2008)
 
Principal balance: $1,843.51 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Refinance two existing loans into 1
Purpose of loan: Consolidation

This loan will be used to take my existing $1,800 prosper (26%APR)and $7,200 car loan (33%) and consolidate them into a single bill with a lower single payment hopefully with better terms.

My financial situation:
I have a forclosure. Myself and my newphew bought a "family" house. When the economy suffered, so did my newphew's ability to pay.

I am a good candidate for this loan because I do pay my bills. My teaching postion is secured. All my bills have been current for several years except those associated with the house.

Monthly net income: $3875.54 net/mth
Monthly expenses: $2630

After the consolidation, the $310 car payment and $200 existing prosper loan should reduce from $510 to around $300/mth saving money.

High rent and having a car break down is keeping me from saving money. I moved into a cheaper place and bought a used car. I would rather consolidate now rather than save my money for several months.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588570
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $439.30
 
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-1990 Debt/Income ratio: 35%
Credit score: 780-799 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:18y 11m
Amount delinquent: $0 Total credit lines: 41 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,819Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: cplm1a1 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement, debt repayment.
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3,600
Monthly expenses: $
Housing: $0
Insurance: $70
Car expenses: $354
Utilities: $0
Phone, cable, internet: $150
Food, entertainment:$250
Clothing, household expenses: $150
Credit cards and other loans: $0
Other expenses: $75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588604
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $68.49
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2006 Debt/Income ratio: 16%
Credit score: 660-679 (May-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 4 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,301Stated income:$1-$24,999
Delinquencies in last 7y: 2 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: vibrato42 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Car repairs
Purpose of loan:
This loan will be used to...Get my car and my wife's cars fixed

My financial situation:
I am a good candidate for this loan because...I am only provider for my family because my wife just finished community college and does not have a job at this time. This loan will give us great opportunity to get our vehicles fixed so that I can get back and forth to work and our son to daycare.


Monthly net income: $1600
Monthly expenses: $
Housing: $408.00
Insurance: $145.00
Car expenses: $320
Utilities: $157.00
Phone, cable, internet: $130.00
Food, entertainment: $200.00
Clothing, household expenses: $0
Credit cards and other loans: $50.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588612
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $136.98
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-2002 Debt/Income ratio: 13%
Credit score: 640-659 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 7Length of status:5y 10m
Amount delinquent: $934 Total credit lines: 14 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $941Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: organized-bazaar9 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan: Consolidate other debt
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
I pay my debts, have good work history and I'm an honest person.

Monthly net income: $3600
Monthly expenses: $1101
Housing: $776
Insurance: $89
Car expenses: $0
Utilities: $145
Phone, cable, internet: $90
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $35
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588640
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $11,500 Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 28.85% Monthly payment: $457.18
 
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: Aug-2006 Debt/Income ratio: 29%
Credit score: 720-739 (May-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,266Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: bold-meteoric-contract 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
Loan for Car
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588684
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 6.49% Borrower rate/APR: 7.49% / 8.83% Monthly payment: $233.26
 
Lender servicing fee: 1.00% Effective Yield*: 6.49%  
Estimated return*: 5.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-2000 Debt/Income ratio: 15%
Credit score: 800-819 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,262Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: fascinating-deal5 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Responsible Debtor
Purpose of loan:
This loan will be used to consolidate two existing loans which are at a higher interest rate. It is a mathematically sound move.

My financial situation:
I am a good candidate for this loan because I am in a good financial situation and I am responsible at making any necessary payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588708
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
Minimum Amount to Fund: $6,300 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): 9 First credit line: Feb-1995 Debt/Income ratio: 11%
Credit score: 700-719 (May-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 79 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,281Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: organized-contract4 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 588716
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 1.00%  
Term: 60 months  
 
Lender yield: 9.85% Borrower rate/APR: 10.85% / 13.08% Monthly payment: $162.51
 
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: Dec-2002 Debt/Income ratio: 8%
Credit score: 780-799 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,662Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: basis-cypress 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
Consolidate last of college debt...
Purpose of loan: This loan will be used to pay off a private loan I obtained when i was in college.


My financial situation:
I am a good candidate for this loan because I haven?t ever missed a payment on any form of debt and have established a strong credit history since 2002.

I?ve maintained stable employment with a Fortune 500 company since graduating college and have been employed consistently since before I was 16 years old. Moreover, maintaining good credit is especially important to me, as I plan to purchase a home in a very nice area of coastal California in the next 4 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588720
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
Minimum Amount to Fund: $2,450 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): 6 First credit line: Nov-1987 Debt/Income ratio: 11%
Credit score: 740-759 (May-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 15 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,715Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: responsive-penny591 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan: Home Improvement
This loan will be used to...redo bathroom and enlarger living room

My financial situation: is great
I am a good candidate for this loan because...
I can pay it back quickly

Monthly net income: $ 2500
Monthly expenses: $ 900.00
Housing: $299
Insurance: $167.00
Car expenses: $100.00
Utilities: $ 200
Phone, cable, internet: $ 125.00
Food, entertainment: $ 100
Clothing, household expenses: $ 100
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588738
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $439.30
 
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: Aug-2007 Debt/Income ratio: 14%
Credit score: 740-759 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:21y 4m
Amount delinquent: $0 Total credit lines: 3 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $281Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: glowing-return144 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Funds for a Wedding
Purpose of loan:
This loan will be used to...help my child pay for wedding

My financial situation:
I am a good candidate for this loan because...i do not have any debt and make all payments on time


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588756
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.99% 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): 6 First credit line: Nov-1999 Debt/Income ratio: 28%
Credit score: 680-699 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,906Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: nickel-thinker7 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off three credit cards that were used when I first moved to Seattle a couple years ago. I took a risk and moved to Seattle from California to hopefully move forward with my career.

My financial situation:
I am a good candidate for this loan because I was able to land an awesome job. I am financially secure, however, having credit debt is rough. I will, without a doubt, be able to pay off the monthly amount.


Monthly net income: $4200
Monthly expenses: $100
Housing: $800
Insurance: $n/a
Car expenses: $n/a
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $650 (includes cards that this loan will go toward)
Other expenses: $n/a
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588774
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $439.30
 
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-1994 Debt/Income ratio: 29%
Credit score: 700-719 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,845Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: MAXA1000000 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
DEBT CONSOLIDATION
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588776
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 28.58% Borrower rate/APR: 29.58% / 33.55% Monthly payment: $168.89
 
Lender servicing fee: 1.00% Effective Yield*: 27.27%  
Estimated return*: 12.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-2003 Debt/Income ratio: 9%
Credit score: 640-659 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 26 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,920Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: new-dedicated-pound Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Honeymoon expenses
This loan will be used to pay for 2nd part of our honeymoon that we are going on sept 1, 2012 (10 days). We have already paid for flights which took us almost 4k so saving up will be difficult within 4 months and just need money for food and excursions and hotel. I have taken loans from the past and had NEVER had any late payments, never had I experienced delinquent or default cc/loans.

My financial situation:
I am a good candidate for this loan because I have a stable job since 2006. My wife is also starting to work full time after July 28th and making these payments on monthly basis should not be a problem at all. I have a good credit score and NEVER miss any of my payments for all types of bills. I will obviously try to pay this loan faster than the time period given. I hope you can help me fund this loan and get a good return on your SAFE investment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588804
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 3.30%  
Term: 60 months  
 
Lender yield: 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): 9 First credit line: Apr-1978 Debt/Income ratio: 27%
Credit score: 780-799 (May-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:42y 4m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $1,324Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: brightest-successful-bill Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Purchase
Purpose of loan:
This loan will be used to buy a home.

My financial situation:
I am a good candidate for this loan because I am on fixed income social security, still working, have no debt, no loans.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588850
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Nov-1998 Debt/Income ratio: 28%
Credit score: 700-719 (May-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 1 Current / open credit lines: 18 / 17Length of status:3y 0m
Amount delinquent: $56 Total credit lines: 30 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,119Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: Yes  
Screen name: first-punctual-listing 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
Household Improvement Loan
Purpose of loan:

My financial situation:



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 588922
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1966 Debt/Income ratio: 5%
Credit score: 660-679 (May-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 4 Current / open credit lines: 1 / 0Length of status:25y 5m
Amount delinquent: $18,143 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 23 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: robust-rupee7 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
business purchase
Purpose of loan: purchase business
This loan will be used to...purchase business

My financial situation: no debt good income
I am a good candidate for this loan because...no debt good income


Monthly net income: $3500
Monthly expenses: $0
Housing: $400
Insurance: $0
Car expenses: $0
Utilities: $300
Phone, cable, internet: $250
Food, entertainment: $550
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588934
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $379.22
 
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-2005 Debt/Income ratio: 18%
Credit score: 640-659 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 9 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,121Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: kindness-oak2 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan: To close all the other loans and keep one, which I can pay monthly
This loan will be used to... close all other loans

My financial situation: Good
I am a good candidate for this loan because...I'm working as an IT professional in a very good company with good salary...Due to personal reasons i'm paying only minimum payments till now, I believe that by this loan I will be free up myself and repay the amount easily.



Monthly net income: $ 5500
Monthly expenses: $
Housing: $ 700
Insurance: $ 120
Car expenses: $ 50
Utilities: $ 100
Phone, cable, internet: $ 50
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588946
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 6.49% Borrower rate/APR: 7.49% / 8.83% Monthly payment: $108.86
 
Lender servicing fee: 1.00% Effective Yield*: 6.49%  
Estimated return*: 5.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jan-1992 Debt/Income ratio: 11%
Credit score: 840-859 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 36 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,730Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: Yes  
Screen name: laudable-order1 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
Camp loan
Purpose of loan: Children's summer care
This loan will be used to pay for my 2 children to go to summer camp.

My financial situation:
I am a good candidate for this loan because I have excellent credit. I pay off all my debts on time or early. Unfortunately I came up a little short for the final camp payment. Without this loan I will need to borrow against a credit card at a much higher interest rate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 16.68% Borrower rate/APR: 17.68% / 21.37% Monthly payment: $251.94
 
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: Oct-1991 Debt/Income ratio: 8%
Credit score: 680-699 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 6 / 7Length of status:4y 10m
Amount delinquent: $931 Total credit lines: 28 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,922Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: crescendo521 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Boiler Gas Conversion
Purpose of loan: New Boiler/Gas Conversion
This loan will be used to...Pay for a New Boiler and Gas Conversion
My financial situation: Steady
I am very reliable and have always made all of my payments. Some of the delayed payments showing on my report were in dispute. The one Auto Loan payment that is currently showing as deragatory, is a co-loan that I had signed for my brother. He has recently started working for an IT company and would be able to pay off the complete loan within a few months. I have been employed since I was 17 years old and have always made all of my payments. I would be grateful for your approval.
Monthly net income: $6750 (incl rental income from one apt)
Monthly expenses: $5250
Housing: $2675
Car ins: $200( howners Insurance included in Housing Expenses)
Car expenses: $250
Utilities: $500
Phone, cable, internet: $133
Food, entertainment: $650
Clothing, household expenses: $200
Credit cards and other loans: $400
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 6.50%  
Term: 36 months  
 
Lender yield: 18.02% Borrower rate/APR: 19.02% / 22.74% Monthly payment: $549.99
 
Lender servicing fee: 1.00% Effective Yield*: 17.60%  
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): 4 First credit line: Apr-2004 Debt/Income ratio: 28%
Credit score: 720-739 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,403Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: OK_Loans Borrower's state: Alaska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Oct-2011)
 
Principal balance: $3,688.02 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Final round - Prosper Consolidation
This loan will completely consolidate my consumer debt and get me on the final mile to become debt free! The first Prosper loan I was given allowed me to take the huge first step, this will complete the process!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 589016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 4.20%  
Term: 36 months  
 
Lender yield: 13.69% Borrower rate/APR: 14.69% / 18.32% Monthly payment: $103.54
 
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): 7 First credit line: Jan-1979 Debt/Income ratio: 59%
Credit score: 760-779 (May-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:11y 7m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,248Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: caring-kindness8 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: 7 ( 100% ) 760-779 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
780-799 (Oct-2011)
 
Principal balance: $2,588.62 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
For out of pocket medical expenses.
Purpose of loan:
This loan will be used to pay medical expenses not covered by insurance.

My financial situation:
I am a good candidate for this loan because even though I am on a fixed monthly income, I have an excellent credit rating and have always paid my bills on time.


Monthly net income: $1865
Monthly expenses: $
Housing: $584
Insurance: $156
Car expenses: $450
Utilities: $165
Phone, cable, internet: $140
Food, entertainment: $125
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 589028
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $136.98
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1985 Debt/Income ratio: 16%
Credit score: 660-679 (May-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:28y 9m
Amount delinquent: $0 Total credit lines: 22 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,317Stated income:$1-$24,999
Delinquencies in last 7y: 24 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: reflective-durability8 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto Repair Loan
Purpose of loan: Auto repair
This loan will be used to...

My financial situation: Is pretty good.
I am a good candidate for this loan because...I have worked for the same company for 20 years.


Monthly net income: $ 2000.00
Monthly expenses: $
Housing: $450.00
Insurance: $100.00
Car expenses: $gas 300.00
Utilities: $175.00
Phone, cable, internet: $100.00
Food, entertainment: $200.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 589040
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $6,000 Estimated loss*: 4.20%  
Term: 36 months  
 
Lender yield: 13.69% Borrower rate/APR: 14.69% / 18.32% Monthly payment: $207.08
 
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): 7 First credit line: Apr-1995 Debt/Income ratio: 44%
Credit score: 720-739 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,050Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: Loan-trust25 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 31 ( 100% ) 720-739 (Latest)
Principal borrowed: $13,980.00< 31 days late: 0 ( 0% )  
720-739 (Oct-2011)
760-779 (Jan-2010)
740-759 (Oct-2009)
 
Principal balance: $7,660.23 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
debt free home stretch
After paying off my first propser loan, this one will be used to consolidate final 2 credit cards.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 589088
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 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: Sep-1984 Debt/Income ratio: 13%
Credit score: 680-699 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 4 Current / open credit lines: 3 / 3Length of status:9y 3m
Amount delinquent: $34,381 Total credit lines: 16 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,267Stated income:$100,000+
Delinquencies in last 7y: 46 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: diligent-value4 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding
Purpose of loan:
This loan will be used to...Wedding

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


Monthly net income: $13,500.00
Monthly expenses: $1,200.00
Housing: $2,300.00
Insurance:$48.00
Car expenses: $0
Utilities: $60.00
Phone, cable, internet: $0
Food, entertainment: $800.00
Clothing, household expenses: $100.00
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 589100
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 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: Jun-2000 Debt/Income ratio: 7%
Credit score: 740-759 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:10y 9m
Amount delinquent: $0 Total credit lines: 4 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,213Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: autonomous-diversification9 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
working capitol
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 578517
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $189.61
 
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): 6 First credit line: Feb-1994 Debt/Income ratio: 31%
Credit score: 720-739 (May-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:11y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,278Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 34%  
   Homeownership: Yes  
Screen name: wealth-lion76 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 578849
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $227.53
 
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): 6 First credit line: Nov-1997 Debt/Income ratio: 30%
Credit score: 720-739 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 19 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,598Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: serene-repayment7 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
Personal Loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 580515
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: $3,200.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $3,200 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $138.97
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Feb-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Apr-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 14 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 51 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: vivacious-power6 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Motorcycle loan
Purpose of loan:
This loan will be used to purchase a 2004 honda

My financial situation:
I am a good candidate for this loan because this was from what my understanding what prosper was for. I am interested in prosper as a borrower and maybe later a investor. I can pay cash for this bike but it would leave me tight on funds incase somthing came up and lets face it a motorcylce is not a necessity but with monthly payments it is not a big deal.


Monthly net income: $2800.00
Monthly expenses: $2100.00
Housing: $800
Insurance: $75
Car expenses: $300
Utilities: $150
Phone, cable, internet: $250
Food, entertainment: $350
Clothing, household expenses: $200
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 581901
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: $24,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,150 Estimated loss*: 2.00%  
Term: 60 months  
 
Lender yield: 12.85% Borrower rate/APR: 13.85% / 16.15% Monthly payment: $568.17
 
Lender servicing fee: 1.00% Effective Yield*: 12.80%  
Estimated return*: 10.80%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1994 Debt/Income ratio: 31%
Credit score: 700-719 (Apr-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,815Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: treasure-trident0 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 23 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
740-759 (Apr-2010)
 
Principal balance: $0.42 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Credit Card Debt Consolidation
The purpose of the loan is to cosolidate my credit card debts in order to improve my financial situation so that I can purchase a home.

I am a good candidate for this loan because I have a strong credit score and I always pay my debts on time. I am also employed in a Fortune 100 company for over five years in a skilled position that I have advanced in over the years and that still has strong growth potential.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 584805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 6.50%  
Term: 36 months  
 
Lender yield: 18.02% Borrower rate/APR: 19.02% / 22.74% Monthly payment: $549.99
 
Lender servicing fee: 1.00% Effective Yield*: 17.60%  
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): 4 First credit line: Nov-1998 Debt/Income ratio: Not calculated
Credit score: 700-719 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 10Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 24 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,383Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: yield-flow 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: 1 / 1 On-time: 8 ( 89% ) 700-719 (Latest)
Principal borrowed: $7,500.00< 31 days late: 1 ( 11% )  
760-779 (Jul-2011)
 
Principal balance: $2,073.37 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Finished Basement
Purpose of loan:
This loan will be used to pay off the contractor who finished our basement.

My financial situation:
I am a good candidate for this loan because I have good history of paying back my loans, have a good job and assets. I am responsible with credit.

Without breaking down what I pay for Cable TV and everything else, I have enough income to sustain the monthly payments on this loan as opposed to take a 15K hit at one time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 584947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 11.90%  
Term: 60 months  
 
Lender yield: 27.70% Borrower rate/APR: 28.70% / 31.38% Monthly payment: $189.36
 
Lender servicing fee: 1.00% Effective Yield*: 27.01%  
Estimated return*: 15.11%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2005 Debt/Income ratio: 15%
Credit score: 700-719 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 7 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: coin-puppy043 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation
Purpose of loan:
To pay off most of my student loans and my car.

My financial situation:
I am in good financial standing with a steady job with job security because i perform well and my monthly payments will lower with the consolidation.


Monthly net income: $1700
Monthly expenses: $
Housing: $305
Insurance: $92
Car expenses: $110 ( car payment)
Utilities: $100
Phone, cable, internet: $60
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $110(student loan)
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 586705
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 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: Oct-1997 Debt/Income ratio: 13%
Credit score: 660-679 (May-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:13y 9m
Amount delinquent: $0 Total credit lines: 44 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,061Stated income:$75,000-$99,999
Delinquencies in last 7y: 28 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: tdk9 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding and Debt Consolidation
Purpose of loan:
This loan will be used to...consolidate debt, save money to buy a house and have a wedding.


I am a good candidate for this loan because...I have had the same current stable job for the past 13 years and I also have a second job with Home Depot.


Monthly net income: $4800.00
Monthly expenses: $2562.00 - see below
Housing: $515.00
Insurance: $59.00
Car expenses: $372.00
Utilities: $25.00
Phone, cable, internet: $80.00
Food, entertainment: $250.00
Clothing, household expenses: $50.00
Credit cards and other loans: $1170.00
Other expenses: $41.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 586787
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 4.20%  
Term: 60 months  
 
Lender yield: 17.30% Borrower rate/APR: 18.30% / 20.71% Monthly payment: $76.67
 
Lender servicing fee: 1.00% Effective Yield*: 17.00%  
Estimated return*: 12.80%  
* 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-1976 Debt/Income ratio: 25%
Credit score: 760-779 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 12 / 11Length of status:1y 11m
Amount delinquent: $25,464 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,520Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 22%  
   Homeownership: Yes  
Screen name: economy-honker Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 100% ) 760-779 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
800-819 (Feb-2010)
 
Principal balance: $1,048.79 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Consolidating debt
Purpose of loan:
This loan will be used to... Consolidate credit card debt

My financial situation:
I am a good candidate for this loan because... I am healthy and employed at a family-run newspaper in Florida, where I am one of the editors


Monthly net income: $4000,00
Monthly expenses:2,200 $
Housing: $800.00
Insurance: $250.00
Car expenses: $120.00
Utilities: $90.00
Phone, cable, internet100.00: $
Food, entertainment: 100.00 $
Clothing, household expenses:40.00 $
Credit cards and other loans:600.00 $
Other expenses:100.00 $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587157
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: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 9.90%  
Term: 36 months  
 
Lender yield: 21.87% Borrower rate/APR: 22.87% / 26.68% Monthly payment: $193.21
 
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: Feb-1991 Debt/Income ratio: 32%
Credit score: 680-699 (May-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 8Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,534Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: appreciativesoul 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 / 3 On-time: 60 ( 100% ) 680-699 (Latest)
Principal borrowed: $10,500.00< 31 days late: 0 ( 0% )  
720-739 (Oct-2011)
640-659 (Sep-2009)
620-639 (Mar-2008)
 
Principal balance: $4,327.14 31+ days late: 0 ( 0% )
Total payments billed: 60  
Description
Very Safe Loan - Very Appreciated!
Purpose of loan:
This loan will be used to pay off 2 credit cards that are closed but have high monthly pymts - the Prosper Loan will cut my pymts in half!

My financial situation:
I am a great candidate for this loan because the D rating Prosper gave me (a little embarassing!), doesn't reflect my ability to pay off the loan. I have a great track record of making ALL Prosper payments on time for my current and past two (paid-off) Prosper loans AND I have a strong history related to other pymts too!

PLUS, my hubby & I have secure positions with a combined annual income of $60,000. Mortgage is $964/month. If we ever needed help with a prosper pymt, family & friends would help.
.
Please help! And thanks in advance to anyone investing and I just have to say also that I love seeing all of your prosper names - very creative and interesting! Thanks again! I really do appreciate you all!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587163
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: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 28.85% Monthly payment: $198.77
 
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: Jan-1962 Debt/Income ratio: 13%
Credit score: 700-719 (May-2012) Inquiries last 6m: 5Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:12y 5m
Amount delinquent: $0 Total credit lines: 44 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,197Stated income:$25,000-$49,999
Delinquencies in last 7y: 46 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: heavenly-return349 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
personal expenses
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587405
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $568.83
 
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: Dec-1990 Debt/Income ratio: 15%
Credit score: 660-679 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 3Length of status:4y 10m
Amount delinquent: $118 Total credit lines: 24 Occupation: Social Worker
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $587Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: pualahaole Borrower's state: Hawaii Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto Loan/Family Vacation
Purpose of loan: I need a new car. I have a 94 Chevy Astro.
This loan will be used to...purchase a new/used car. I would also like to take a family vacation

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


Monthly net income: $3200
Monthly expenses: $2485
Housing: $500
Insurance: $120
Car expenses: $0
Utilities: $300
Phone, cable, internet: $90
Food, entertainment: $1,000
Clothing, household expenses: $200
Credit cards and other loans: $75
Other expenses: $200(children)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 587859
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% 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: Mar-1984 Debt/Income ratio: 22%
Credit score: 660-679 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:10y 1m
Amount delinquent: $0 Total credit lines: 27 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,865Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: brightest-fairness-eclair 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
investing/consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588137
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
Minimum Amount to Fund: $2,100 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): 4 First credit line: Jan-1978 Debt/Income ratio: 10%
Credit score: 640-659 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 2 / 1Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 39 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: fighter60 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
720-739 (Oct-2011)
600-619 (Oct-2008)
 
Principal balance: $3,529.65 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Pay off prior prosper loan refinace
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588285
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $8,050 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $336.80
 
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: Oct-1995 Debt/Income ratio: 20%
Credit score: 660-679 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,705Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: ore-titan6 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
Starting a New Business
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588345
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.90%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $136.98
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-1995 Debt/Income ratio: 47%
Credit score: 600-619 (May-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 32 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,714Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: interest-encore Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 27 ( 100% ) 600-619 (Latest)
Principal borrowed: $5,250.00< 31 days late: 0 ( 0% )  
600-619 (Jul-2011)
660-679 (Sep-2010)
640-659 (Feb-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 27  
Description
Dental and Medical Bills To Pay
My husband and I have both had our share of health problems in 2012 so far. We have insurance, but still have considerable out of pocket expenses with co-pays and deductibles. Our bills total just over $3,000. The rest of the money is going in our savings account.
I am a good candidate for this loan because I just paid off both of my previous Prosper loans early and have made every payment on time. I have the funds necessary to make the payment comfortably.

Monthly net income: $1800
Housing: Husband pays mortgage
Insurance: Husband pays insurance
Car Payment: $350
Utilities: $75
Phone, cable, internet: $135
Food, entertainment: $150
Clothing, household expenses, gas: $200
Credit cards and other loans: $250
Cell Phone $45
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588363
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: $3,150.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,205 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $119.45
 
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-2010 Debt/Income ratio: 22%
Credit score: 660-679 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $107Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: sensational-economy2 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
Motorcycle Purchase
Purpose of loan:
I am applying to prosper for a $3150 loan in order to purchase a 2012 Honda CBR250R ABS. The reason for this purchase is to take advantage of better fuel economy over my car when commuting to work.

My financial situation:
I have the ability to repay this loan. After monthly expenses and adding to my savings account every month, I have more than enough left over to pay for this loan.

The negative information associated with my credit rating are really length of credit history and number of hard inquiries.

Monthly net income: $2200
Monthly into Savings: $450
Monthly expenses: $1000

Housing: $0 (Currently not own or renting)
Insurance: $472.80 (Car insurance every six months)
Car expenses: $80 (Budgeted Monthly)
Food, entertainment: $280 (Budgeted Monthly)
Credit cards and other loans: $499.73 (Car loan Payment Monthly) and 125.57 (Credit Card remaining balance)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588383
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2004 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (May-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,298Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: keen-trade6 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
Business Expansion
Purpose of loan: Business
This loan will be used to...grow the business

My financial situation: middle class
I am a good candidate for this loan because...I will make my loan payments on time


Monthly net income: $4600
Monthly expenses: $3300
Housing: $1000
Insurance: $500
Car expenses: $400
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $300
Credit cards and other loans: $500
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588451
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 20.48% Borrower rate/APR: 21.48% / 25.26% Monthly payment: $189.61
 
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: Nov-1989 Debt/Income ratio: 18%
Credit score: 660-679 (May-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 4 Current / open credit lines: 2 / 2Length of status:4y 5m
Amount delinquent: $2,482 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $602Stated income:$1-$24,999
Delinquencies in last 7y: 14 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: rupee-cake7 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
out of debt
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588457
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 2.00%  
Term: 60 months  
 
Lender yield: 12.85% Borrower rate/APR: 13.85% / 16.15% Monthly payment: $185.52
 
Lender servicing fee: 1.00% Effective Yield*: 12.80%  
Estimated return*: 10.80%  
* 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-1999 Debt/Income ratio: 35%
Credit score: 720-739 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,423Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: well-mannered-finance0 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 22 ( 100% ) 720-739 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
660-679 (Mar-2010)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
Consolidation and medical bills
Purpose of loan:
This loan will be used to consolidate my credit cards and also assist my mother in paying for her dental procedure

My financial situation:
I am a good candidate for this loan the only debt i have are my credit card debt and school loans which is less than 20,000
Also , i borrowed money from prosper before and paid off the loan.

my monthly income after tax is $3300
Rent $800
Utilities , cable and phone $300
Tithe $330
School loans $300
Other incidentials $400( gas, insurance)
Monthly expenses $500
Credit card $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 6.50%  
Term: 60 months  
 
Lender yield: 21.20% Borrower rate/APR: 22.20% / 24.70% Monthly payment: $221.86
 
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): 5 First credit line: Nov-1994 Debt/Income ratio: 15%
Credit score: 700-719 (May-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 5Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,072Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: invincible-fund8 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 3 On-time: 4 ( 100% ) 700-719 (Latest)
Principal borrowed: $21,500.00< 31 days late: 0 ( 0% )  
700-719 (Mar-2012)
680-699 (Oct-2011)
660-679 (May-2011)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
Medical
Purpose of loan:Medical

This loan will be used to... Due to the surgery of my spouse & the medical expenses that I got a previous loan to pay, which I paid off quickly. I got more medical expenses that weren't expected, cause my wife had other issues that weren't expected.

My financial situation:
I am a good candidate for this loan because like in the other loans I received from this process I paid off very quickly. Which I will continue to pay off any loans obtain like I have in the past. I make good money, but unexpected expenditures that have to paid.


Monthly net income: $5500
Monthly expenses: $3000
Housing: $1000
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 588491
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
Minimum Amount to Fund: $4,550 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): 5 First credit line: Feb-1999 Debt/Income ratio: 14%
Credit score: 620-639 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 13 / 12Length of status:8y 9m
Amount delinquent: $5,431 Total credit lines: 32 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,428Stated income:$100,000+
Delinquencies in last 7y: 59 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: kingsley1863 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: 1 / 2 On-time: 45 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,790.00< 31 days late: 0 ( 0% )  
660-679 (Jun-2011)
620-639 (Jul-2006)
 
Principal balance: $3,883.56 31+ days late: 0 ( 0% )
Total payments billed: 45  
Description
Saying goodbye to Grandma
Purpose of loan:
A very loving woman has passed away. I want to take care of travel expenses and missed work for a number of her descendents who otherwise will not be able to come to her services.

My financial situation:
I am a good candidate for this loan because I have two steady jobs that will enable me to make the payments on time. I have a good history with Prosper that includes two prior loans. One has been completely paid off, and the other is about a year old, with all payments made on time.

Monthly net income: $ 8,000
Monthly expenses: $ 6,500
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 588517
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 8.80%  
Term: 12 months  
 
Lender yield: 14.76% Borrower rate/APR: 15.76% / 23.55% Monthly payment: $181.23
 
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: Dec-1995 Debt/Income ratio: 16%
Credit score: 680-699 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 49 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,212Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: journey738 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Fell behind a little loan
Purpose of loan:
This loan will be used to help stay caught up on house payment and summer taxes so my credit is not affected. An unexpected surgery put me off for a few weeks and short-term disability pay was only 66 2/3% of my pay. I was already stretched a little bit too thin due to husband's current employment search.

My financial situation:
I am a good candidate for this loan because I am getting a raise and a promotion in the next month that will help me pay this loan off and get things back on track.


Monthly net income: $3350
Monthly expenses: $2900
Housing: $1058
Insurance: $200
Car expenses: $0
Utilities: $315
Phone, cable, internet: $135
Food, entertainment: $492
Clothing, household expenses: $200
Credit cards and other loans: $400
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588591
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 28.85% Monthly payment: $99.39
 
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: May-1988 Debt/Income ratio: >1000%
Credit score: 740-759 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 36 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,467Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: pleasant-point2 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
funds for home improvement
Purpose of loan: build a deck and fix up some other things
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 588627
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-2001 Debt/Income ratio: 3%
Credit score: 660-679 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 4 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: tolerant-deal5 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to...pay off a few household bills including utilities and personal property tax.

My financial situation:
I am a good candidate for this loan because...I have a great financial track record the past 5+ years to include auto and house payments.


Monthly net income: $2600
Monthly expenses: $1000
Housing: $600
Insurance: $96
Car expenses: $0
Utilities: $100
Phone, cable, internet: $48
Food, entertainment: $150
Clothing, household expenses: Included above.
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588669
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
Minimum Amount to Fund: $4,550 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): 3 First credit line: Jun-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (May-2012) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 21 Occupation: Homemaker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,988Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: precious-worth6 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
680-699 (Jul-2011)
 
Principal balance: $3,212.08 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
New Home
Purpose of loan:
This loan will be used to...new home purchase improvements

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


Monthly net income: $ 4,000
Monthly expenses: $1,000
Housing: $300
Insurance: $50
Car expenses: $200
Utilities: $150
Phone, cable, internet: $50.00
Food, entertainment: $200
Clothing, household expenses: $none
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588705
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 3.30%  
Term: 60 months  
 
Lender yield: 14.51% Borrower rate/APR: 15.51% / 17.85% Monthly payment: $481.17
 
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: Apr-1989 Debt/Income ratio: 14%
Credit score: 780-799 (Apr-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,183Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: p2p-taxi9 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
Purchasing an profitable business
Purpose of loan: To purchase a profitable 17yr old business
This loan will be used to...complete funding process

My financial situation:Excellent credit score never late or deliquent payments
I am a good candidate for this loan because...I have done my due dilegence on purchasing and researching this business and I am motivated to take this particular business to the next level. I have no negative marks against my credit and ALWAYS pay my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588747
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $108.57
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jul-1990 Debt/Income ratio: 7%
Credit score: 660-679 (May-2012) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 7 Current / open credit lines: 7 / 5Length of status:15y 6m
Amount delinquent: $2,633 Total credit lines: 66 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,452Stated income:$50,000-$74,999
Delinquencies in last 7y: 39 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: spicer447 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
In the past few years and even now, I have had to live pay check to pay check like many people. The numerous pay reductions does not help, but my boys and I are able to manage through the weeks.

My paycheck allows me to pay my bills without any extra. It does not really allow any room to save for those housing improvements needed. My home need new windows and interior doors. I can deal with the interior doors, but the summer is approaching. Which means, the ac unit will have to work extra due to air escaping from the home. New windows will definitely help save on electricity. If you are able to assist, I really appreciate it. If not, I fully understand. I must say that this is a great service and I hope I am in a position to assist someone in the future. I believe that everything is only for a time and a season, and I will not be in this position always. Thanks so much for considering my request.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588771
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 11.90%  
Term: 60 months  
 
Lender yield: 27.70% Borrower rate/APR: 28.70% / 31.38% Monthly payment: $63.12
 
Lender servicing fee: 1.00% Effective Yield*: 27.01%  
Estimated return*: 15.11%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Apr-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:12y 2m
Amount delinquent: $0 Total credit lines: 32 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,359Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: sympathetic-penny1 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
medical
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588801
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.64% Borrower rate/APR: 9.64% / 12.43% Monthly payment: $64.20
 
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: Oct-1977 Debt/Income ratio: 29%
Credit score: 720-739 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:35y 5m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,572Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: baseballnut Borrower's state: Maryland Borrower's group: We the People
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: 58 ( 100% ) 720-739 (Latest)
Principal borrowed: $11,500.00< 31 days late: 0 ( 0% )  
720-739 (May-2010)
720-739 (Jul-2008)
740-759 (Jan-2008)
760-779 (Mar-2007)
 
Principal balance: $1,180.50 31+ days late: 0 ( 0% )
Total payments billed: 58  
Description
Dental work
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because I have successfully paid off a previous Prosper loan and have one year remaining on a current Prosper loan. My debt has been steadily decreasing over the past three years. A Prosper loan will allow me to avoid higher interest rates found elsewhere, while paying off the loan in a shorter period of time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588821
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.90%  
Term: 36 months  
 
Lender yield: 23.99% 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): 6 First credit line: Apr-1993 Debt/Income ratio: 31%
Credit score: 680-699 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,928Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: greenback-mover1 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
Consumer consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588871
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1998 Debt/Income ratio: 16%
Credit score: 660-679 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 11 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $460Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: dedication-upholder389 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to... Improve Home

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


Monthly net income: $ $2,182
Monthly expenses: $ 1,106
Housing: $ 229
Insurance: $ 125
Car expenses: $ $337
Utilities: $ 150
Phone, cable, internet: $ 65
Food, entertainment: $ 150
Clothing, household expenses: $ 25
Credit cards and other loans: $ 25
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588883
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $9,500 Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 16.68% Borrower rate/APR: 17.68% / 21.37% Monthly payment: $341.92
 
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: Nov-1995 Debt/Income ratio: 14%
Credit score: 720-739 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $126,906Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: plentiful-balance0 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Starting a new business Small Farm
I am requesting the loan amount of $9,500 to assist me in the start up of my family farm.

I own a home on five acres and I will be raising grain fed livestock for sale. Specifically Hampshire hogs and Dexter cattle. The loan will provide me the resources to upgrade my corrals and to purchase farm equipment.

I am a good candidate for this loan because my employment is stable. I have been a professor at Pasadena City College for nearly seven years. I also serve my community as a school board trustee. My expenses do not exceed my income. I anticipate being able to pay off the loan in full before the 3 year pay off period.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588895
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 9.90%  
Term: 36 months  
 
Lender yield: 21.87% Borrower rate/APR: 22.87% / 26.68% Monthly payment: $328.46
 
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): 3 First credit line: Jan-1996 Debt/Income ratio: 31%
Credit score: 660-679 (May-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:1y 2m
Amount delinquent: $37 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,007Stated income:$25,000-$49,999
Delinquencies in last 7y: 19 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: Ben0919 Borrower's state: Illinois 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: 0 / 1 On-time: 29 ( 83% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 6 ( 17% )  
620-639 (May-2006)
(Mar-2006)
 
Principal balance: $0.02 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Help me make up for lost time
Here is a quick background on how I am where I'm at today. I went to graduate school to earn my Master's, graduating in 2009. Unfortunately, that was the same time that higher education was struggling. From May 2009 until March 2011 I was unemployed, taking temp jobs to help with the bills, but had to take out a very high interest pay day loan where they hold the title to my car. In March 2011, I accepted a great job at a University that I am both happy and secure in. I am now 31, currently living at home, and would soon like this to change. This loan will pay off my car title pay day type loan, credit cards, storage fee, fix much needed car repairs, and allow me to start saving some of my paycheck to eventually become independent. Thank you!

Monthly net income $ 2,200
Student Loan: $ 225
Car expense: $ 200
Phone and internet: $ 150
Food and living: $ 300
Credit cards and other loan $500 Car title pay day type loan has $5200 left.
Storage: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588913
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Mar-2010 Debt/Income ratio: >1000%
Credit score: 700-719 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,120Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: top-organic-capital Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
my loan
Purpose of loan: to pay off bills and for me to get a car to go back and fort 2 jobs.
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...iam a hard working person that when i have bills to pay off i work hard to get it paid asap.


Monthly net income: 40 000
Monthly expenses:600
Housing:none 150
Insurance:none
Car expenses:none
Utilities:150
Phone, cable, internet: 50
Food, entertainment100
Clothing, household expenses: $100
Credit cards and other loans: 25
Other expenses:none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588919
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $439.30
 
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: May-1997 Debt/Income ratio: 11%
Credit score: 680-699 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 6 Current / open credit lines: 10 / 10Length of status:26y 8m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,314Stated income:$75,000-$99,999
Delinquencies in last 7y: 11 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: brightest-camaraderi-superstar 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
Wedding and used car loan
Purpose of loan:
This loan will be used for wedding plans, purchase a used car and pay off credit cards

My financial situation:
I am a good candidate for this loan because I have been employed continuous for the past 26 1/2 years with my current employer Farmers Insurance.


Monthly net income: $4100
Monthly expenses: $1825
Housing: $700
Insurance: $60
Car expenses: $350 (gas each month - commute and monthly oil change)
Utilities: $300
Phone, cable, internet: $125
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $125
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588961
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.90%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $136.98
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Aug-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (May-2012) Inquiries last 6m: 12Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:43y 8m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: seeker845 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
780-799 (Nov-2011)
660-679 (Aug-2008)
 
Principal balance: $6,678.54 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Business Expansion Needs Capital
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588965
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: C Listing Duration: 14 days
Minimum Amount to Fund: $6,500 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $190.36
 
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: Oct-1999 Debt/Income ratio: 30%
Credit score: 820-839 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 33 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,875Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: balance-spa834 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement loan
Purpose of loan:
This loan will be used home Improvement

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 588971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Sep-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Apr-2012) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,663Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: competent-loyalty10 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 FOR EXCITING NEW BUSINESS
Purpose of loan: Capital Funding
This loan will be used to...fund marketing, advertising, supplies and trade subscriptions.

My financial situation:
I am a good candidate for this loan because...I have a credit score of 728. My revolving credit balances are high due to assisting with our business funding. Our current revenue covers our overhead expenses such as rent, telecommunications, automobiles.
Our networking efforts are leading to engaging more clients and our company is about to explode. These funds are needed to continue our marketing and advertising efforts to boost our visibility.
Our company is also involved with two major Chamber of Commerce organizations and we have been featured in several online and local publications.
Thank you in advance for your consideration to participate in funding our loan request.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 588979
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1971 Debt/Income ratio: 24%
Credit score: 740-759 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 9 / 7Length of status:2y 11m
Amount delinquent: $11,214 Total credit lines: 56 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,013Stated income:$25,000-$49,999
Delinquencies in last 7y: 17 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: dedication-gravity3 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home improvement loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 589007
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: B Listing Duration: 14 days
Minimum Amount to Fund: $12,000 Estimated loss*: 5.65%  
Term: 36 months  
 
Lender yield: 16.68% Borrower rate/APR: 17.68% / 21.37% Monthly payment: $431.90
 
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: Jun-2006 Debt/Income ratio: 21%
Credit score: 760-779 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 13 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,509Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: statuette47 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
The loan will go toward consolidating credit card debt and a personal loan that I received to replace my homes A/C system into one lower monthly payment. I am presently employed F/T. I am Senior Project Engineer for a major Pharmaceutical Company located in Boca Raton FL for which I have been employed with this firm since 2006. My goal is reduce my combined monthly payments into one lower single payment. The extra income can then be applied toward this loan that I am requesting while also allowing for additional funds to be placed into my savings account. I have consistently maintained good credit and understand the value of maintaining a lower debt to income ratio however I had an unexpected expense in replacing my entire homes A/C system. I have used Peer to Peer lending in the past and believe it is a more economical way for someone to get the best possible rate on a debt consolidation loan in the present credit market. Thank you in advance for your time and consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 589025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $13,000 Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 19.85% Borrower rate/APR: 20.85% / 23.32% Monthly payment: $350.60
 
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-2005 Debt/Income ratio: 16%
Credit score: 700-719 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 7 / 7Length of status:1y 3m
Amount delinquent: $2,703 Total credit lines: 17 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,457Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: just-return3 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
business and medical start
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 589037
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 3.30%  
Term: 36 months  
 
Lender yield: 11.70% Borrower rate/APR: 12.70% / 15.54% Monthly payment: $838.74
 
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: Apr-1997 Debt/Income ratio: 26%
Credit score: 760-779 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:12y 5m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,420Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: sweet-basis3 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 589091
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
Minimum Amount to Fund: $2,450 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 28.58% Borrower rate/APR: 29.58% / 33.55% Monthly payment: $147.78
 
Lender servicing fee: 1.00% Effective Yield*: 27.27%  
Estimated return*: 12.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-2009 Debt/Income ratio: 8%
Credit score: 640-659 (May-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 2 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $858Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: ximi Borrower's state: RhodeIsland 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
Relocation abroad
Purpose of loan:
This loan will be used to cover expenses for moving abroad.

My financial situation:
I am responsible with money and always pay what I owe on time. But because I am young and don't have a lot of credit history, banks won't offer me a loan. I need just enough to help me move without fear of being penniless. Any contribution would be greatly appreciated and paid back in full.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 589097
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: B Listing Duration: 14 days
Minimum Amount to Fund: $13,500 Estimated loss*: 5.65%  
Term: 60 months  
 
Lender yield: 19.85% Borrower rate/APR: 20.85% / 23.32% Monthly payment: $364.08
 
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-1986 Debt/Income ratio: 18%
Credit score: 640-659 (May-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:30y 3m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,116Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: intelligent-camaraderi6 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
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 589103
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 3.30%  
Term: 60 months  
 
Lender yield: 14.51% Borrower rate/APR: 15.51% / 17.85% Monthly payment: $481.17
 
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: Apr-1984 Debt/Income ratio: 29%
Credit score: 820-839 (May-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:28y 4m
Amount delinquent: $0 Total credit lines: 37 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,625Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: blue-wonderous-community Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 589115
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,030 Estimated loss*: 9.90%  
Term: 60 months  
 
Lender yield: 25.10% Borrower rate/APR: 26.10% / 28.70% Monthly payment: $87.00
 
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): 2 First credit line: Oct-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (May-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:5y 0m
Amount delinquent: $89 Total credit lines: 4 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,390Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: onelight Borrower's state: Illinois Borrower's group: Renewed Financial Horizons
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
520-539 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Moving Daycare to a Better Area!
Purpose of loan: To add some padding to my finances in order to move to a safer area that is more convenient for parents who commute to downtown for work.
I love my current home, and the daycare has really thrived. Lately, however, there has been an increase in crime in the neighborhood. It has also been a bit inconvenient to parents because of the parking situation. I am looking forward to moving into an extrememly secure building and feeling good about the safety of myself and the children. This costs, of course, and I'd like to make sure it all goes very smoothly.

Financial Situation: I actually started this very business with a loan from Prosper! It was a great experience, and I paid the loan back with ease, always making payments on time. This money will provide me with a little cushion for moving and other miscellaneous expenses.
Information in the Description is not verified.