Listing Report:Supplement No. 21 dated Oct 18, 2012 to Prospectus dated Oct 05, 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 Oct 05, 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 Oct 05, 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 629828
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.75%  
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*: 27.99%  
Estimated return*: 11.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-2005 Debt/Income ratio: 25%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 15 Occupation: Biologist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,816Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: yield-matador 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
Auto
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 644302
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 14.25%  
Term: 60 months  
 
Lender yield: 30.65% Borrower rate/APR: 31.65% / 34.41% Monthly payment: $100.12
 
Lender servicing fee: 1.00% Effective Yield*: 27.88%  
Estimated return*: 13.63%  
* 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): 6 First credit line: Mar-2000 Debt/Income ratio: Not calculated
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:13y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39,741Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: liberty-rapture4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
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: $700
Insurance: 0
Car expenses: $82
Utilities: $20
Phone, cable, internet: $116
Food, entertainment: $250
Clothing, household expenses: $100
Credit cards and other loans: $950
Other expenses: $185
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 646100
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: D Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $330.91
 
Lender servicing fee: 1.00% Effective Yield*: 23.20%  
Estimated return*: 12.95%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-2000 Debt/Income ratio: 40%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 5 / 5Length of status:4y 3m
Amount delinquent: $664 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $346Stated income:$1-$24,999
Delinquencies in last 7y: 24 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: green-bonus-windmill 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
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1800
Monthly expenses: $
Housing: $553.40
Insurance: $
Car expenses: $
Utilities: $150
Phone, cable, internet: $
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $400.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 647772
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.25%  
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*: 27.99%  
Estimated return*: 11.74%  
* 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): 5 First credit line: Feb-1994 Debt/Income ratio: 15%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:12y 11m
Amount delinquent: $0 Total credit lines: 36 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,305Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: orderly-repayment018 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
Other
Purpose of loan:
This loan will be used to...
to buy a CNC machine
My financial situation:
I am a good candidate for this loan because...
i pay my bills first and on time.

Monthly net income: $2200
Monthly expenses: $
Housing: $680
Insurance: $105
Car expenses: $351
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654440
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.75%  
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*: 27.99%  
Estimated return*: 11.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:9y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,472Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: silver-daisy696 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Midwest Aqua Farmers
Purpose of loan:
To open a small store front I have been selling online having good sales most equipment I have to open store just lacking funds to get store and a little bit on inventory

My financial situation:
I have pretty good income for the coral sales and this would be my only over head besides the store front that this loan is starting


Monthly net income: $2900
Monthly expenses: $250
Housing: $750
Insurance: $0
Car expenses: $750
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $100
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654752
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $472.75
 
Lender servicing fee: 1.00% Effective Yield*: 7.23%  
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): 8 First credit line: Oct-1996 Debt/Income ratio: 34%
Credit score: 820-839 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:17y 1m
Amount delinquent: $0 Total credit lines: 38 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,046Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: Yes  
Screen name: gold-buddy 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
Debt consolidation
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 always pay my bills on time and have great credit. I would just like to pay one monthly payment verses 3 to my credit lenders so I would like to consolidate using this loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $24,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $16,800 Estimated loss*: 2.99%  
Term: 60 months  
 
Lender yield: 12.46% Borrower rate/APR: 13.46% / 15.75% Monthly payment: $551.74
 
Lender servicing fee: 1.00% Effective Yield*: 12.05%  
Estimated return*: 9.06%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1995 Debt/Income ratio: 15%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:13y 2m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,632Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: LimaGuy Borrower's state: California Borrower's group: Socorro Capital Partners
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 100% ) 720-739 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
640-659 (Nov-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Large Purchases
Purpose of loan:
This loan will be used to consolidate bills and provide funds for expenses associated with moving into a new home in the San Francisco Bay Area. Expenses include closing costs, moving van, appraisals, etc.

My financial situation:
I am a good candidate for this loan because I have never missed a payment and have a fairly decent credit score. I recently and quickly paid off a Prosper loan obtained in November 2011.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655412
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $17,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $11,900 Estimated loss*: 3.24%  
Term: 60 months  
 
Lender yield: 13.21% Borrower rate/APR: 14.21% / 16.52% Monthly payment: $397.41
 
Lender servicing fee: 1.00% Effective Yield*: 12.74%  
Estimated return*: 9.50%  
* 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): 7 First credit line: May-2002 Debt/Income ratio: 21%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 10 / 9Length of status:7y 2m
Amount delinquent: $22,228 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,929Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: mguillecm2000 Borrower's state: Florida Borrower's group: Computer Professionals, Engineers and Business Startups
Credit and homeownership information was obtained 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: 9 ( 100% ) 700-719 (Latest)
Principal borrowed: $13,000.00< 31 days late: 0 ( 0% )  
720-739 (Jan-2008)
720-739 (Feb-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt consolidation
Debt Consolidation
This loan will be used to...
I am a successful Engineer with a Bachelor in Civil Engineering and a Masters Degree in Transportation engineering. I am currently employed full time. I have never made a late payment on any agreement I have entered and have paid in full previous loans with Prosper, please see my history. I am committed to repay this loan on time as I have done throughout my financial history. I have recently had a child and incurred more expenses than expected, however my financial situation is well balanced. Your money is safe with me.

Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655472
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: $9,100 Estimated loss*: 5.99%  
Term: 60 months  
 
Lender yield: 19.24% Borrower rate/APR: 20.24% / 22.69% Monthly payment: $346.16
 
Lender servicing fee: 1.00% Effective Yield*: 18.13%  
Estimated return*: 12.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-2003 Debt/Income ratio: 31%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 11 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,340Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: impartial-repayment2 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate credit card debt, and give me a small cushion of savings for emergencies, which I am currently unable to produce on my own.

My financial situation:
I am a good candidate for this loan. Although my monthly income seems low, I have very few monthly expenses. Since I work at a college, I do not pay for housing and housing-related costs. I also have a meal plan, so the only money I spend on food is for voluntary eating out every once in a while. I don't pay for groceries on any regular basis, nor do I pay for utilities, phone, cable, or internet. I have been at my institution for almost 6 years, achieving one promotion about half-way through my tenure here. I am not a risk for job-termination, as my skills are unique and essential to the operation of my department. I am in the financial situation I am in due to younger financial transgressions; credit card debt where the interest rates make it impossible to pay down. I would rather pay them off and pay one fixed monthly payment. It will finally give me the financial freedom I've been trying to obtain for so many years.


Monthly net income: $2100
Monthly expenses: $1190
Housing: $0 (Paid for by employer)
Insurance: $90
Car expenses: $100 (gas and tolls; I walk to work)
Utilities: $0 (Paid for by employer)
Phone, cable, internet: $0 (Paid for by employer)
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $500
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655562
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $584.25
 
Lender servicing fee: 1.00% Effective Yield*: 20.64%  
Estimated return*: 10.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1984 Debt/Income ratio: 65%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 16Length of status:13y 9m
Amount delinquent: $0 Total credit lines: 32 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $61,799Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: unassuming-funds081 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...pool

My financial situation:
I am a good candidate for this loan because...Always pay on time. No late payments.


Monthly net income: $3000
Monthly expenses: $100
Housing: $0
Insurance: $95
Car expenses: $100
Utilities: $spouse paid
Phone, cable, internet: $spouse paid
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $2200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655740
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 11.75%  
Term: 60 months  
 
Lender yield: 27.27% Borrower rate/APR: 28.27% / 30.93% Monthly payment: $469.48
 
Lender servicing fee: 1.00% Effective Yield*: 24.93%  
Estimated return*: 13.18%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2004 Debt/Income ratio: 13%
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 3Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 31 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,531Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: petlover28 Borrower's state: NewYork Borrower's group: BORROWERS - LARGEST 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.
Description
Divorce Lawyer Marriage Fraud
Purpose of loan:
This loan will be used to... A man from Sweden married me almost 10 years ago and was with a woamn from another country the entire time. He joined military to get his citizenship faster and is now trying to DESTROY my life. He has commited crimes against me and I need loan to fight back.

My financial situation:
I am a good candidate for this loan because... I have a full time job and an inheritance that will go for many decades to come. The judge has already signed an ORDER to SHOW CAUSE after she saw tghe overwhelming amount of evidence I have against my criminal husband. My income has greatly increased. You can not file taxes on an inheritance but I have proof and have submitted that along with the ORDER to SHOW CAUSE>


Monthly net income: $ 72,000
Monthly expenses: $
Housing: $ 1400.00
Insurance: $ 0
Car expenses: $ 0
Utilities: $ 60
Phone, cable, internet: $ 100.00
Food, entertainment: $ 500.00
Clothing, household expenses: $ 150.00
Credit cards and other loans: $ 200.00
Other expenses: $
100.00 travel subway
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655772
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.25%  
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*: 27.99%  
Estimated return*: 11.74%  
* 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): 6 First credit line: Nov-1995 Debt/Income ratio: 31%
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 28 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $14,470Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: Yes  
Screen name: vivid-return1 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used consolidate loans

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


Monthly net income: $2800
plus $600 rent each month from nephew
Monthly expenses: $
Housing: $1064
Insurance: $
Car expenses: $0
Utilities: $400
Phone, cable, internet: $350
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655800
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 8.49%  
Term: 60 months  
 
Lender yield: 22.98% Borrower rate/APR: 23.98% / 26.53% Monthly payment: $431.35
 
Lender servicing fee: 1.00% Effective Yield*: 21.30%  
Estimated return*: 12.81%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Oct-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:20y 7m
Amount delinquent: $0 Total credit lines: 30 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $75,497Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: interest-melody4 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
upgrade my business
Purpose of loan:
This loan will be used to... expand my outside seating area with more tables, chairs and televisions, thus making more money for my restaurant.

My financial situation:
I am a good candidate for this loan because... I have been in business for over twenty years and have been able to survive in this terrible economy. We are coming into our tourist season and this would greatly incresae the volume of people we could seat.


Monthly net income: 5000.00
Monthly expenses: $3400.00
Housing: $1200.00
Insurance: $300.00
Car expenses: $400.00
Utilities: $300.00
Phone, cable, internet: $200.00
Food, entertainment: $400.00
Clothing, household expenses: $200.00
Credit cards and other loans: $200.00
Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655802
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $165.45
 
Lender servicing fee: 1.00% Effective Yield*: 23.20%  
Estimated return*: 12.95%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-2001 Debt/Income ratio: 21%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,437Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: phenomenal-power0 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
Business
Purpose of loan:
This loan will be used to purchase a used commercial ice machine and pay taxes for the family business.

My financial situation:
I am a good candidate for this loan because I am an IT and make good money. I pay my debts as soon as I possibly can. I'm trying to help out my dad who's had bad luck with some if his investments. I grew up working in this pizza restaurant and hate to see my parents struggle. It's been around for over 20 years!


Monthly net income: $ 5000
Monthly expenses: $ 1800
Housing: $850
Insurance: $120
Car expenses: $380
Utilities: $50
Phone, cable, internet: $200
Food, entertainment: $240
Clothing, household expenses: $
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655856
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 7.49%  
Term: 36 months  
 
Lender yield: 18.39% Borrower rate/APR: 19.39% / 23.12% Monthly payment: $294.83
 
Lender servicing fee: 1.00% Effective Yield*: 17.14%  
Estimated return*: 9.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1984 Debt/Income ratio: 21%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 7 Current / open credit lines: 9 / 7Length of status:29y 3m
Amount delinquent: $79,183 Total credit lines: 30 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,993Stated income:$75,000-$99,999
Delinquencies in last 7y: 32 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: voltage420 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,090.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2011)
 
Principal balance: $5,326.48 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Other
Purpose of loan:
This loan will be used to...pay off my first prosper loan and buy a professional level trumpet for my son.

My financial situation:
I am a good candidate for this loan because...I have held a full-time steady job for the Michigan Department of Corrections for over 29 years. I am dues to pay off several loans in 2013.


Monthly net income: $5600
Monthly expenses: $3990
Housing: $790
Insurance: $500
Car expenses: $250
Utilities: $250
Phone, cable, internet: $250
Food, entertainment: $400
Clothing, household expenses: $150
Credit cards and other loans: $1250
Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655878
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.25%  
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*: 27.99%  
Estimated return*: 11.74%  
* 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): 5 First credit line: Feb-1996 Debt/Income ratio: 12%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:1y 6m
Amount delinquent: $2,067 Total credit lines: 39 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,968Stated income:$100,000+
Delinquencies in last 7y: 9 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: heartpounding-market8 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan: Home weatherizATION
This loan will be used to...NEW DOORS

My financial situation: Between pay period and need to complete this weekend due to travel schedual
I am a good candidate for this loan because...do not miss payments


Monthly net income: $14600
Monthly expenses: $9000
Housing: 3000
Insurance: $121
Car expenses: $1200
Utilities: $271
Phone, cable, internet: $187
Food, entertainment: $1000
Clothing, household expenses: $200
Credit cards and other loans: $700
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655924
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 3.99%  
Term: 60 months  
 
Lender yield: 15.28% Borrower rate/APR: 16.28% / 18.64% Monthly payment: $367.01
 
Lender servicing fee: 1.00% Effective Yield*: 14.64%  
Estimated return*: 10.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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: 49%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 20Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,092Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: useful-loot4 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: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2011)
 
Principal balance: $5,710.71 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate high interest credit cards into one lower monthly payment and also pay off the remainder of my vehicle.

My financial situation:
I am a good candidate for this loan because I am very concerned about paying off all debts and consolidating down to be debt free. This is just the best method for lower rates and to get my credit cards paid off and allow me just one monthly payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655984
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 1.74%  
Term: 60 months  
 
Lender yield: 9.76% Borrower rate/APR: 10.76% / 12.99% Monthly payment: $216.23
 
Lender servicing fee: 1.00% Effective Yield*: 9.56%  
Estimated return*: 7.82%  
* 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): 9 First credit line: Dec-1998 Debt/Income ratio: 13%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:5y 9m
Amount delinquent: $15,882 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,094Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: loot-framework7 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 656106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 27.99%  
Estimated return*: 11.74%  
* 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): 2 First credit line: Jun-1995 Debt/Income ratio: 20%
Credit score: 620-639 (Oct-2012) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:11y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,939Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: No  
Screen name: sceptre1 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 620-639 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
640-659 (Jan-2012)
640-659 (Sep-2009)
 
Principal balance: $3,249.80 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Consolidate more debt as I have been able to do for the past eleven months. I have paid every payment early and would like to pay off more and try to get interest rates down with what I am paying now. I have a four year old daughter and I want to be debt free so that I have every penny to give her what she need for a secure financial future.
My financial situation:
I am a good candidate for this loan because...
I have paid every payment on my debt consolidation loan early. I am trying my best to get lower interest rates to pay off debt at a faster rate. I want to be debt free again and I am working hard to achieve that goal.

Monthly net income: $ 3636 (included dependent care FSA payment 208.00 every other week)
Monthly expenses:
Housing: $825 (included in monthly expenses)
Insurance: $0
Car expenses: $0
Utilities: $50
Phone, cable, internet: $125
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 656464
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.25%  
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*: 27.99%  
Estimated return*: 11.74%  
* 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): 4 First credit line: Dec-1993 Debt/Income ratio: 7%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 5 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: dollar-socrates4 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
Medical/Dental
Purpose of loan:
This loan will be used to...pay for my portion of chemotherapy for my daughter

My financial situation: is good
I am a good candidate for this loan because... i make all of my payments on time and have a stable work history and residence history


Monthly net income: $3364.66
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 656560
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 14.75%  
Term: 36 months  
 
Lender yield: 29.06% Borrower rate/APR: 30.06% / 34.05% Monthly payment: $84.97
 
Lender servicing fee: 1.00% Effective Yield*: 26.43%  
Estimated return*: 11.68%  
* 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): 5 First credit line: Dec-2002 Debt/Income ratio: 13%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 9 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,788Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: undaunted-openness1 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
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 656578
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 20.18% Borrower rate/APR: 21.18% / 23.66% Monthly payment: $81.46
 
Lender servicing fee: 1.00% Effective Yield*: 18.95%  
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): 8 First credit line: Dec-1993 Debt/Income ratio: 20%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:23y 0m
Amount delinquent: $0 Total credit lines: 33 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,209Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: deal-summoner9 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
Taxes
Purpose of loan:
This loan will be used to pay taxes.

My financial situation:
I am a good candidate for this loan because I'm responsible and pay my bills in a timely manner and all if not all of my bills are automatically paid.

Monthly net income: $9000.00
Monthly expenses: $500
Housing: $2000.00
Insurance: $200
Car expenses: $1200
Utilities: $400
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $500
Credit cards and other loans: $1000.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,300.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,300 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $89.58
 
Lender servicing fee: 1.00% Effective Yield*: 20.64%  
Estimated return*: 10.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Sep-2005 Debt/Income ratio: 110%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 29 Occupation: Student - College S...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,860Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: market-patriot2 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 / 1 On-time: 4 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
660-679 (Mar-2012)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
Auto
Purpose of loan:
This loan will be used to make repairs to my 1972 Volvo. It's the only car I own and it needs a few new parts before it is as reliable as I'd like it to be.

My financial situation:
I am a good candidate for this loan because I have never defaulted on anything. I am an extremely honest, responsible, hard-working person. I have always held up my end of every deal I have ever made with anyone, whether it was legally bound or not. I do not like to cause any inconvenience to someone else, especially someone who is helping me out.


Monthly net income: $ 1400
Monthly Bills: $ 800


I appreciate your consideration. If you choose to help me out, you have my word that it will be a positive experience for the both of us. Thank you for your time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 652297
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,100.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,970 Estimated loss*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $255.76
 
Lender servicing fee: 1.00% Effective Yield*: 15.71%  
Estimated return*: 9.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1998 Debt/Income ratio: 22%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 8 / 9Length of status:5y 2m
Amount delinquent: $1,583 Total credit lines: 26 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,781Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: note-magnolia5 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 settlement and consolidation
I have been supporting my fiance and her three children for the past 4 years while she has obtained her nursing degree. She recently graduated, obtained her nursing license and secured employment. I am now looking to settle and consolidate outstanding debts incurred during this time.

I have $1500 in cell phone bills in collection in my name for accounts for family members that did not pay the bills. I would like to settle these accounts and get them off my credit report.

I also have outstanding credit card balances that I would like to pay down.

I have $3700 in monthly net income and approximately $2200 in monthly expenses, leaving approximately $1500 month in discretionary monthly income for unexpected expenses, entertainment and to reduce debt. I will be able to add this $256 monthly loan repayment amount to my monthly expenses and still have about $1250 in monthly net cash flow. This will be more than enough for unanticipated expenses and entertainment.

Thank you very much for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654121
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 5.49%  
Term: 60 months  
 
Lender yield: 18.39% Borrower rate/APR: 19.39% / 21.82% Monthly payment: $340.02
 
Lender servicing fee: 1.00% Effective Yield*: 17.39%  
Estimated return*: 11.90%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1978 Debt/Income ratio: 22%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:25y 5m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,410Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: Yes  
Screen name: bright-capital7 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:
This loan will be used to...pay off 1 credit card and 2 bank notes.

My financial situation:
I am a good candidate for this loan because...of a 756 Esperian credit score; paying my monthly bills on time and a very steady work history.


Monthly net income: $6340
Monthly expenses: $400.00
Housing: $1315.00
Insurance: $190.00(auto)
Car expenses: $1140.00
Utilities: $320.00
Phone, cable, internet: $225.00
Food, entertainment: $315.00
Clothing, household expenses: $
Credit cards and other loans: $650.00
Other expenses: $
400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654687
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $321.45
 
Lender servicing fee: 1.00% Effective Yield*: 8.49%  
Estimated return*: 6.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Nov-1996 Debt/Income ratio: 19%
Credit score: 760-779 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,547Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: reinforced-order6 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 + Land
Purpose of loan:
This loan will be used to buy land surrounding our home, which will increase its value. I live on a 40 acre Plantation, the land surrounding my property has been seized for delinquent taxes and it will be sold to the highest bidder on November at Courthouse. If I don't win the auction... the money and interest will be paid back immediately so you would see immediate return on your investment.

My financial situation:
I am a good candidate for this loan because I have a good job , make good money, I am a very responsible and dependable person and always pay all my bills on time. This land acquisition would increase my home value tremendously.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654891
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.25%  
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*: 27.99%  
Estimated return*: 11.74%  
* 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): 4 First credit line: Aug-1996 Debt/Income ratio: 43%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 22 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $52,365Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: smart-ore0 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: Debt Consolidation
This loan will be used to... Consolidate high interest rate debt

My financial situation: I am have been employed with the same employer for over 8 years and have been in the same field (legal field) for over 18 years.
I am a good candidate for this loan because...I make a decent living, however, haven't been able to get a loan through a major bank due to revoloving credit.

Monthly net income: $ 4,100.00
Monthly expenses: $ 2694.00
Housing: $ 840.00
Insurance: $ 150.00
Car expenses: $ 504.00
Utilities: $ 150.00
Phone, cable, internet: $ 50.00
Food, entertainment: $ 150.00
Clothing, household expenses: $ 100.00
Credit cards and other loans: $ 500.00
Other expenses: $ 200.00 (gas); $50 (school supplies for daughter)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655309
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 14.25%  
Term: 36 months  
 
Lender yield: 28.32% Borrower rate/APR: 29.32% / 33.29% Monthly payment: $168.32
 
Lender servicing fee: 1.00% Effective Yield*: 25.75%  
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: Oct-1988 Debt/Income ratio: 15%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:21y 6m
Amount delinquent: $0 Total credit lines: 46 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,786Stated income:$25,000-$49,999
Delinquencies in last 7y: 37 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: diplomatic-liberty5 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
Taxes
Purpose of loan: payoff taxes and other bills
This loan will be used to...

My financial situation: struggling with bad timing
I am a good candidate for this loan because...it will be paid off in less than 2 months


Monthly net income: $2400
Monthly expenses: $600
Housing: $0
Insurance: $0
Car expenses 60a week for gas
Utilities: $00p
Phone, cable, internet: $50
Food, entertainment: $100
Clothing, household expenses: $60
Credit cards and other loans: $6000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655505
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 4.74%  
Term: 36 months  
 
Lender yield: 13.59% Borrower rate/APR: 14.59% / 18.21% Monthly payment: $344.65
 
Lender servicing fee: 1.00% Effective Yield*: 12.92%  
Estimated return*: 8.18%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1992 Debt/Income ratio: 18%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 18 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,759Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: pious-trade229 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: Debt consolidation
This loan will be used to...pay off two credit cards

My financial situation: Very sound
I am a good candidate for this loan because...I have been the Executive Director of an Assisted Living Community for 9 years. I am very involved in the Washington Health Care Association and work hard with my legislatures to create a better place for our seniors. I love what I do and I feel I am very good at it. I have been a major player in my own assisted living community's rise to "the top". We are held in very high regard with both the public and the state licensors and I am very honored to be a part of all this.
I went back to school at the age of 42 after many life changes and have pulled myself up slowly but surely. I had to file for bankruptcy shortly after I got out of school but have rebuilt my credit and now would like to have one single payment so I can pay these credit cards off (which I utilized to replace what I had lost when I went back to school) and begin to save for a down payment on my own home.
I am very confident of my continued employment and know that I will have no problem in repaying this loan.
I appreciate your consideration.


Monthly net income: $4200.00+
Monthly expenses: $3650.00+-
Housing: $850.00
Insurance: $400.00
Car expenses: $450.00
Utilities: $ 100.00
Phone, cable, internet: $150.00
Food, entertainment: $500.00
Clothing, household expenses: $500.00
Credit cards and other loans: $400.00
Other expenses: $300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655587
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: D Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 9.75%  
Term: 12 months  
 
Lender yield: 16.95% Borrower rate/APR: 17.95% / 25.79% Monthly payment: $733.25
 
Lender servicing fee: 1.00% Effective Yield*: 15.59%  
Estimated return*: 5.84%  
* 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): 5 First credit line: Nov-1996 Debt/Income ratio: 14%
Credit score: 620-639 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,400Stated income:$100,000+
Delinquencies in last 7y: 29 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: cash-kayak Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 10 ( 100% ) 620-639 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
620-639 (May-2012)
660-679 (Aug-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Debt consolidation
Purpose of loan:
Debt reconciliation and home improvement

My financial situation:
My history on Prosper shows how perfectly prompt I am with my payments and also shows how fast i pay off my loans.

I have a great paying job with steady income. My job is very stable and have been with the same employer for over 5 years. I spent the past 2 years focused on getting rid of all my high interest debt. I haven't missed a single payment in the past 2 years and will probably pay off this loan in much less than a year. This loan will help me get rid off my high interest loans faster.

I'm also planning to use a portion of this money to build an extra room in my apartment and rent it out on a bi-weekly basis to generate extra income every month. So that should bring down all my monthly expenses below as well as help me pay off this debt faster.

Monthly net income: $7700
Monthly expenses: See below
Housing: $1300
Insurance: $0
Car expenses: $0
Work commute: $100
Utilities: $50
Phone, cable, internet: $100
Food, entertainment: $500
Clothing, household expenses: $200
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655629
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $169.51
 
Lender servicing fee: 1.00% Effective Yield*: 18.52%  
Estimated return*: 10.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1984 Debt/Income ratio: 15%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 41 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,328Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: bfl1948 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto-Rebuild Credit
Purpose of loan:
This loan will be used to... car repair and rebuild credit after bankruptcy that was discharged in July 2010.

My financial situation: Good with Teacher Retirement and Social Security.
I am a good candidate for this loan because... I wish to rebuild my credit after divorce in 2008 and have begun to. I receive my monthly retirement and social security incomes that put me in situation to be able to afford the payments for loan applied for.


Monthly net income: $2849.36
Monthly expenses: $
Housing: $525.00
Insurance: $111.70
Car expenses: $250.00
Utilities: $135.00
Phone, cable, internet: $230.00
Food, entertainment: $350.00
Clothing, household expenses: $100.00
Credit cards and other loans: $166.08
Other expenses: $250.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655643
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,240 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $120.54
 
Lender servicing fee: 1.00% Effective Yield*: 18.52%  
Estimated return*: 10.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2006 Debt/Income ratio: Not calculated
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 16Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,099 
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: bold-ethical-dinero Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
Purpose of loan:
This loan will be used to...
Pay 2 months of rent, car payment, utilities, and gas.
My financial situation: I am a recent college graduate who has worked for the past 3 years for my university. My position ended mid September because it was strictly slated for a student, which I no longer am. I have two pending job offers, and am confident that I will be starting work this upcoming week, but because the institution I am applying for only pays once a month, I will not be receiving a paycheck until December. I need to keep the roof over my head and my vehicle in order to embark on my career.
I am a good candidate for this loan because...
I have great employment options, and am confident that I will be able to quickly pay this loan back.

Monthly net income: Anticipated income of $3,000 a month. Starting in November.
Monthly expenses: $
Housing: $635
Insurance: $
Car expenses: $300
Utilities: $15
Phone, cable, internet: $25
Food, entertainment: $70
Clothing, household expenses: $
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655671
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.75%  
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*: 27.99%  
Estimated return*: 11.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1989 Debt/Income ratio: 12%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 3Employment status:Other
Now delinquent: 1 Current / open credit lines: 0 / 0Length of status:2y 4m
Amount delinquent: $1,270 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: green-investment-sniffer 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 Loans
Purpose of loan: Wedding
This loan will be used to... To pay for wedding expenses

My financial situation:
I am a good candidate for this loan because... I am rebuilding credit and refuse to damage what I am working to build. My fiancee currently pays for our household bills from her income, so my checks will be dedicated to repayment.

Monthly net income: $ 1500
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 655703
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $584.25
 
Lender servicing fee: 1.00% Effective Yield*: 20.64%  
Estimated return*: 10.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1986 Debt/Income ratio: Not calculated
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 22Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,048 
Delinquencies in last 7y: 3 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: vigilance-triangulation973 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:
This loan will be used to consolidate debts, bridge me from now until the Bar Exam results arrive and receive my Texas law license, and possibly help me begin a law practice.

My financial situation:
I am a good candidate for this loan because I graduated with my Juris Doctor law degree from The University of Arkansas School of Law in May 2012, and I sat for the July 2012 Texas Bar Examination. I am currently awaiting the release of the Bar Exam results, which are scheduled for release at the beginning of November. Around that time, I will be licensed as a Texas lawyer and can begin practicing law, either with a firm or as a solo practitioner.


Monthly net income: $1200
Monthly expenses: $130
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $130
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $ I have student loans from law school coming due for repayment in November, but I expect to be practicing law by that time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655739
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,129.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,790.30 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $334.79
 
Lender servicing fee: 1.00% Effective Yield*: 23.20%  
Estimated return*: 12.95%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Sep-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 9Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 27 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $248Stated income:$100,000+
Delinquencies in last 7y: 28 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: responsibility-magnate6 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 680-699 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
720-739 (Jan-2012)
 
Principal balance: $13,870.72 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Green Loans
Purpose of loan:
This loan will be used to...
Purchase durable fuel-saving equipment that will permanently reduce operating costs along with our carbon footprint.
My financial situation:
I am a good candidate for this loan because...
Business is Great! We have been profitable every month since in business. This equipment will make us even more so, offer an immediate return on investment, and continue to do so indefinitely and well beyond the life of the loan.

Monthly net income: $7000
Monthly expenses: $
Housing: $900
Insurance: $80
Car expenses: $200
Utilities: $200
Phone, cable, internet: $75
Food, entertainment: $1050
Clothing, household expenses: $120
Credit cards and other loans: $620
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655787
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: $7,000 Estimated loss*: 4.49%  
Term: 36 months  
 
Lender yield: 13.14% Borrower rate/APR: 14.14% / 17.75% Monthly payment: $239.72
 
Lender servicing fee: 1.00% Effective Yield*: 12.52%  
Estimated return*: 8.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2001 Debt/Income ratio: 27%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:7y 0m
Amount delinquent: $832 Total credit lines: 17 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,689Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: gyst 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 / 2 On-time: 52 ( 100% ) 740-759 (Latest)
Principal borrowed: $24,400.00< 31 days late: 0 ( 0% )  
780-799 (Sep-2009)
720-739 (Jun-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 52  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3330
Monthly expenses: $
Housing: $750
Insurance: $95
Car expenses: $320
Utilities: $150
Phone, cable, internet: $125
Food, entertainment: $800
Clothing, household expenses: $200
Credit cards and other loans:
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655821
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 13.75%  
Term: 36 months  
 
Lender yield: 27.59% Borrower rate/APR: 28.59% / 32.54% Monthly payment: $166.73
 
Lender servicing fee: 1.00% Effective Yield*: 25.12%  
Estimated return*: 11.37%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Feb-1997 Debt/Income ratio: 23%
Credit score: 620-639 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,550Stated income:$100,000+
Delinquencies in last 7y: 8 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: affluence-ace Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 80 ( 100% ) 620-639 (Latest)
Principal borrowed: $8,500.00< 31 days late: 0 ( 0% )  
620-639 (Oct-2011)
620-639 (Aug-2009)
640-659 (Sep-2008)
 
Principal balance: $3,054.64 31+ days late: 0 ( 0% )
Total payments billed: 80  
Description
Medical/Dental
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655827
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.25%  
Term: 60 months  
 
Lender yield: 26.59% Borrower rate/APR: 27.59% / 30.23% Monthly payment: $308.89
 
Lender servicing fee: 1.00% Effective Yield*: 24.35%  
Estimated return*: 13.10%  
* 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: May-1985 Debt/Income ratio: 72%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:17y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $59,103Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: courteous-capital1 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
Debt consolidation
Purpose of loan: pay off credit card
This loan will be used to...pay off credit card

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


Monthly net income: $
Monthly expenses: $
Housing: $392
Insurance: $0
Car expenses: $177
Utilities: $150
Phone, cable, internet: $50
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655859
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 9.25%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $117.15
 
Lender servicing fee: 1.00% Effective Yield*: 22.06%  
Estimated return*: 12.81%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1984 Debt/Income ratio: 22%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:11y 7m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,004Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: bountiful-bonus173 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
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 655941
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $120.33
 
Lender servicing fee: 1.00% Effective Yield*: 23.20%  
Estimated return*: 12.95%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-1991 Debt/Income ratio: 3%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:15y 1m
Amount delinquent: $69 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $668Stated income:$75,000-$99,999
Delinquencies in last 7y: 22 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: relaxation132 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto
Purpose of loan:
This loan will be used to... Buy car

My financial situation:
I am a good candidate for this loan because... IM working full time and will pay loan back plus I would like to rebuild credit back up.


Monthly net income: $4000
Monthly expenses: $3000
Housing: $1971
Insurance: $120
Car expenses: $140
Utilities: $170170
Phone, cable, internet: $176
Food, entertainment: $140
Clothing, household expenses: $200
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655959
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: D Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $240.66
 
Lender servicing fee: 1.00% Effective Yield*: 23.20%  
Estimated return*: 12.95%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2000 Debt/Income ratio: 34%
Credit score: 600-619 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39,000Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: atef1981 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 / 2 On-time: 40 ( 100% ) 600-619 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
660-679 (Jun-2012)
660-679 (Jan-2012)
660-679 (Oct-2009)
660-679 (Sep-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 40  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655983
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 3.99%  
Term: 36 months  
 
Lender yield: 11.99% Borrower rate/APR: 12.99% / 15.83% Monthly payment: $101.07
 
Lender servicing fee: 1.00% Effective Yield*: 11.48%  
Estimated return*: 7.49%  
* 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): 7 First credit line: May-1997 Debt/Income ratio: 11%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:25y 9m
Amount delinquent: $0 Total credit lines: 28 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $168,702Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: transaction-transformer9 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 7 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
700-719 (Jan-2012)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Debt consolidation
Purpose of loan:
This loan will be used to... consolidate bills before construction of my new home.
My financial situation:
I am a good candidate for this loan because... I have $96,000.00 in my thrift Savings plan, so there is no chance that I would miss a payment, I have been on my Government job for 26 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.25%  
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*: 27.99%  
Estimated return*: 11.74%  
* 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): 3 First credit line: Mar-1982 Debt/Income ratio: 12%
Credit score: 760-779 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 5 Current / open credit lines: 5 / 5Length of status:10y 0m
Amount delinquent: $20,533 Total credit lines: 35 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 45 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: social-architect8 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
Wedding Loans
Purpose of loan:
This loan will be used to.help pay for my wedding.

My financial situation: Wells Fargo
I am a good candidate for this loan because.I have a very stable income and would love to have the wedding of my dreams. Of course this will not pay for the entire wedding but I can't access my 401 K until March 2013.


Monthly net income: $4400
Monthly expenses: $2750
Housing: $1340
Insurance: $78
Car expenses: $425
Utilities: $105
Phone, cable, internet: $109
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $386
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 656043
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.25%  
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*: 27.99%  
Estimated return*: 11.74%  
* 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): 4 First credit line: Nov-1993 Debt/Income ratio: Not calculated
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 27 / 17Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 53 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,491Stated income:$75,000-$99,999
Delinquencies in last 7y: 5 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: peso-supernova0 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
Purpose of loan:
This loan will be used to...

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


Monthly net income: $6800.00
Monthly expenses: 3700.00
Housing: $1280.00
Insurance: $
Car expenses: $0
Utilities: 125.00
Phone, cable, internet: $180.00
Food, entertainment: $450.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 656055
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: E Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 12.75%  
Term: 36 months  
 
Lender yield: 26.12% Borrower rate/APR: 27.12% / 31.03% Monthly payment: $408.90
 
Lender servicing fee: 1.00% Effective Yield*: 23.82%  
Estimated return*: 11.07%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1997 Debt/Income ratio: 39%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 14Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,127Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: bazaar-majesty557 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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 656061
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $3,000 Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 27.99%  
Estimated return*: 11.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Mar-1998 Debt/Income ratio: Not calculated
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:12y 9m
Amount delinquent: $153 Total credit lines: 36 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,345Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: No  
Screen name: powerful-return325 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: 7 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
760-779 (Feb-2012)
 
Principal balance: $7,068.07 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Home improvement
Purpose of loan: remodel
This loan will be used to...
House siding
My financial situation: good
I am a good candidate for this loan because...
I pay my bills.

Monthly net income: $3500
Monthly expenses: $
Housing: $350
Insurance: $125
Car expenses: $0
Utilities: $125
Phone, cable, internet: $35
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 656413
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 11.25%  
Term: 36 months  
 
Lender yield: 23.92% Borrower rate/APR: 24.92% / 28.78% Monthly payment: $595.76
 
Lender servicing fee: 1.00% Effective Yield*: 21.90%  
Estimated return*: 10.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2007 Debt/Income ratio: 11%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 27 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,428Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: delicious-principal69 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay down Credit Card Debt

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


Monthly net income: $25,721
Monthly expenses: $13,000
Housing: $3,800
Insurance: $1,500
Car expenses: $1,500
Utilities: $500
Phone, cable, internet: $600
Food, entertainment: $2000
Clothing, household expenses: $1500
Credit cards and other loans: $4000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 656551
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,300.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,810 Estimated loss*: 7.24%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.71% Monthly payment: $304.20
 
Lender servicing fee: 1.00% Effective Yield*: 16.79%  
Estimated return*: 9.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-2000 Debt/Income ratio: 177%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 16Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 49 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,536Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: Kristy0382 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: 82 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,200.00< 31 days late: 0 ( 0% )  
620-639 (Apr-2011)
660-679 (Nov-2009)
540-559 (Jul-2008)
 
Principal balance: $2,668.91 31+ days late: 0 ( 0% )
Total payments billed: 82  
Description
4th Prosper Loan - Never Late!
This loan will be used to pay off debt incurred from my wedding and honeymoon last year. I currently owe a little over $8,000 and am paying close to $600 per month towards this (since it is spread out over several credit cards). This loan will allow me to cut this payment in half and have it paid off much quicker.
Also, this is my fourth Prosper loan and I have never been late with my payments. I learned a long time ago how important your credit is and I don't plan on messing mine up!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 656665
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 3.74%  
Term: 12 months  
 
Lender yield: 8.47% Borrower rate/APR: 9.47% / 13.20% Monthly payment: $1,315.04
 
Lender servicing fee: 1.00% Effective Yield*: 8.12%  
Estimated return*: 4.38%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1979 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:12y 6m
Amount delinquent: $0 Total credit lines: 11 Occupation: Professional
Public records last 12m / 10y: 1/ 2 Revolving credit balance: $41,742Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: comconsultant Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 6 ( 100% ) 800-819 (Latest)
Principal borrowed: $20,000.00< 31 days late: 0 ( 0% )  
800-819 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Debt consolidation
Purpose of loan: Pay down higher-interest debt
This loan will be used to... Pay down small business line from American Express that is up to 17.5% interest

My financial situation: Good, but could be better. I have been an independent consultant for more than 12 years and have a long-term contract with my largest client. My income is also supplemented by a second business I am involved in with other partners, which launched in 2009 and is steadily growing. My debt is too high, however, and I need to bring it down in order to take advantage of low interest rates to refinance my mortgage and reduce my monthly expenses.
I am a good candidate for this loan because...I have a track record with Prosper, having paid off my first loan very early after making all payments on time. Although debt is high, my credit record is good, I consistently pay more than the miniumum required amount on credit card accounts, and have not had a late payment in more than 7 years. I own my apartment in an area of Manhattan that has only increased in value.
Information in the Description is not verified.