Listing Report:Supplement No. 32 dated Oct 24, 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 630347
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 2.74%  
Term: 36 months  
 
Lender yield: 9.34% Borrower rate/APR: 10.34% / 13.14% Monthly payment: $162.14
 
Lender servicing fee: 1.00% Effective Yield*: 9.05%  
Estimated return*: 6.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1991 Debt/Income ratio: 20%
Credit score: 800-819 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 30 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,047Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: loyalty-waterfall7 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 800-819 (Latest)
Principal borrowed: $25,000.00< 31 days late: 0 ( 0% )  
820-839 (Oct-2011)
 
Principal balance: $18,441.74 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Debt consolidation
Purpose of loan:
This loan will be used to supplement unforeseen financial matters

My financial situation:
I am a good candidate for this loan because I have faithfully paid current loan. Have never once missed a payment with Prosper or any other debtors.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 647287
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 14.75%  
Term: 36 months  
 
Lender yield: 29.06% Borrower rate/APR: 30.06% / 34.05% Monthly payment: $169.94
 
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: Nov-2001 Debt/Income ratio: 18%
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 22Length of status:14y 7m
Amount delinquent: $0 Total credit lines: 51 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,460Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: Drew336 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Dental
Purpose of loan:
This loan will be used to...medical expenses.

My financial situation:
I am a good candidate for this loan because... I have never been late or missed a payment on any credit card or loan.


Monthly net income: $7500
Monthly expenses: $500
Housing: $2300
Insurance: $0
Car expenses: $230
Utilities: $500
Phone, cable, internet: $100
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 652189
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $17,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $12,250 Estimated loss*: 2.74%  
Term: 60 months  
 
Lender yield: 11.71% Borrower rate/APR: 12.71% / 14.99% Monthly payment: $395.59
 
Lender servicing fee: 1.00% Effective Yield*: 11.35%  
Estimated return*: 8.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Feb-1995 Debt/Income ratio: 16%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,536Stated income:$50,000-$74,999
Delinquencies in last 7y: 8 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: pmmc 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
Income Tax bill and credit cards
Purpose of loan:
This loan will be used to...to pay off my income tax bill and credit cards

My financial situation:
I am a good candidate for this loan because...I have an outstanding job and long permanent work history. I pay my bills every month double as to what is being requested by my creditors. I feel I am a good candidate and have never applied for a loan before. I have money coming in but will not have access to it for at least 12-16 months at which time I would be able to pay off the entire balance of my loan if I am granted the opportunity. Please consider my request for this loan.

Kind Regards
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 5 First credit line: Jun-1981 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: 10 / 10Length of status:29y 9m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,614Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: reliable-principal11 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to...cover and spread current marketing expenses over next 3 quarters.

My financial situation:
I am a good candidate for this loan because...good credit rating, long history of being in business, income is mostly fee based (paid quarterly) from large clientele, supplimented by commissions.


Monthly net income: $17,000
Monthly expenses: $14,000 business + household
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 656817
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.75%  
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): 5 First credit line: Dec-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,050Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: loan-searcher6 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
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: $4000.00
Monthly expenses: $400.00
Housing: $1500.00
Insurance: $
Car expenses: $400.00
Utilities: $300.00
Phone, cable, internet: $150.00
Food, entertainment: $500.00
Clothing, household expenses: $
Credit cards and other loans: $400.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 657735
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Oct-2003 Debt/Income ratio: 23%
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:12y 7m
Amount delinquent: $0 Total credit lines: 11 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,261Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: chemistry774 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: $3500
Monthly expenses: $5000
Housing: $ 750
Insurance: $150
Car expenses: $500
Utilities: $ 600
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $300
Credit cards and other loans: $1500
Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 658681
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $300.83
 
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: May-2001 Debt/Income ratio: Not calculated
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:11y 9m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,847Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: worldly-basis1 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to... pay for expenses for a business which I am being given the opportunity to become a partner in. The company I work for is giving me an opportunity for a partnership agreement.

My financial situation:
I am a good candidate for this loan because... I helped the owner of the company I work for start the company and have worked at this company since 2001. I have excellent credit history.


Monthly net income: $4000
Monthly expenses: $500
Housing: $1000
Insurance: $200
Car expenses: $
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $350
Clothing, household expenses: $
Credit cards and other loans: $350
Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 658787
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 4 First credit line: Feb-1992 Debt/Income ratio: 53%
Credit score: 760-779 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 14Length of status:11y 9m
Amount delinquent: $0 Total credit lines: 75 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,610Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: worth-wingding 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... I am moving into a new house and I need a down payment. I pay my bills consistently and am always on time, I just need the extra to get started on this new step.

My financial situation:
I am a good candidate for this loan because... I have never been late on a bill, have great credit, and have a full time job with a steady income to pay this loan back.


Monthly net income: $2,133
Monthly expenses: $1500
Housing: $278
Insurance: $400
Car expenses: $600
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $75
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 658907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Aug-2000 Debt/Income ratio: 9%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 17 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,173Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: statuesque-nickel6 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
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659095
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 4.74%  
Term: 60 months  
 
Lender yield: 16.97% Borrower rate/APR: 17.97% / 20.37% Monthly payment: $177.64
 
Lender servicing fee: 1.00% Effective Yield*: 16.15%  
Estimated return*: 11.41%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Feb-1998 Debt/Income ratio: 12%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 20 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,625Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: generosity-jalapeno5 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659171
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $75.34
 
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: Mar-1974 Debt/Income ratio: 27%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:14y 7m
Amount delinquent: $0 Total credit lines: 24 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,937Stated income:$25,000-$49,999
Delinquencies in last 7y: 18 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: discrete-peso8 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Other
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 659229
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $267.30
 
Lender servicing fee: 1.00% Effective Yield*: 19.37%  
Estimated return*: 10.12%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1999 Debt/Income ratio: 22%
Credit score: 760-779 (Oct-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 10Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 58 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,995Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: fair-hope551 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659255
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 2.24%  
Term: 60 months  
 
Lender yield: 10.73% Borrower rate/APR: 11.73% / 13.98% Monthly payment: $552.71
 
Lender servicing fee: 1.00% Effective Yield*: 10.45%  
Estimated return*: 8.21%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1989 Debt/Income ratio: 24%
Credit score: 780-799 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:21y 2m
Amount delinquent: $0 Total credit lines: 17 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,108Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: ferocious-justice8 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...pay off the Visa, the MasterCard, and a personal loan that has about 1o monthly payments remaining.

My financial situation:
I really need the $25,000 loan and I am a good candidate for this loan because...I work every day, make a decent salary and have a good credit rating. I am responsible and some urgent family situations forced me to use the credit cards. This loan will help me stabilize my financial situation. and the credit cards will be paid off in 5 years instead of 30 years. I truly appreciate the offer for financial assistance.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659259
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 2 First credit line: Sep-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 620-639 (Oct-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 5 Current / open credit lines: 8 / 8Length of status:0y 6m
Amount delinquent: $543 Total credit lines: 42 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: reddolphin Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2009)
600-619 (May-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659321
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 5 First credit line: Oct-1997 Debt/Income ratio: 44%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 37 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,392Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: affluence-thinker4 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
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 659325
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $171.83
 
Lender servicing fee: 1.00% Effective Yield*: 19.37%  
Estimated return*: 10.12%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2009 Debt/Income ratio: 18%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 7 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,116Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: bid-boomerang166 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
Other
Purpose of loan:
This loan will be used to...
Help me pay for the expenses acquired while at school. I attend one of the top 50 universities in the nation and that type of education comes with a very high price tag.
My financial situation:
I am a good candidate for this loan because...
I have had 2-3 part-time jobs at any given point in my life. Hard work is something I do not shy away from and I would not be in this financial situation if I was not focussing on finishing my business degree. I am always true to my word and look forward to using this money to become financially dependent from my university.

Monthly net income: $1654
Monthly expenses: $1225
Housing: $1000
Insurance: $-
Car expenses: $-
Utilities: $55
Phone, cable, internet: $20
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $-
Other expenses: $-
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659451
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 9.25%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $263.58
 
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-1992 Debt/Income ratio: 41%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:16y 2m
Amount delinquent: $0 Total credit lines: 36 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,413Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: reliable-asset45 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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

Monthly net income: $2900
Monthly expenses: $600
Housing: $450
Insurance: $50
Car expenses: $200
Utilities: $75
Phone, cable, internet: $100
Food, entertainment: $40
Clothing, household expenses: $40
Credit cards and other loans: $400
Other expenses: $40
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659457
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $90.25
 
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-1999 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: 5 / 5Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 36Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,322 
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: laudable-platinum2 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 bridge the gap between semesters. I am an attorney but am continuing my education as an LL.M student.

My financial situation:
I am a good candidate for this loan because i have a guaranteed income next semester, as well as my employability will increase as a result of my completion of this program.


Monthly net income: $ 2,000
Monthly expenses: $
Housing: $650
Insurance: $ 120
Car expenses: $0
Utilities: $60
Phone, cable, internet: $85
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $40
Other expenses: $ 120 (education loan)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659477
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $572.78
 
Lender servicing fee: 1.00% Effective Yield*: 19.37%  
Estimated return*: 10.12%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1983 Debt/Income ratio: 39%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 29 / 24Length of status:33y 8m
Amount delinquent: $0 Total credit lines: 60 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $78,798Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: wampum-tranquility243 Borrower's state: Vermont Borrower's group: N/A
Credit and homeownership information was obtained 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 bills

My financial situation:
I am a good candidate for this loan because...I have worked for the same electric company for almost 34 years & I do pay my bills.


Monthly net income: $6700.00
Monthly expenses: $
Housing: $1177.70
Insurance: $109.32
Car expenses: $517.72
Utilities: $121.00
Phone, cable, internet: $202.00
Food, entertainment: $1000.00
Clothing, household expenses: $100.00
Credit cards and other loans: $2200.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659487
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 2.99%  
Term: 60 months  
 
Lender yield: 12.46% Borrower rate/APR: 13.46% / 15.75% Monthly payment: $298.86
 
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: Nov-1989 Debt/Income ratio: 5%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:9y 5m
Amount delinquent: $0 Total credit lines: 56 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $278Stated income:$75,000-$99,999
Delinquencies in last 7y: 41 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: Dacombish 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: 0 / 1 On-time: 33 ( 92% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 3 ( 8% )  
660-679 (Jul-2012)
760-779 (Aug-2007)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Business
This loan will be used as a capital infusion into my bait & tackle store to restructure accounts payable.

With the recent drought sales have been sluggish and expenses have been higher than normal (air conditioning mainly to keep the minnows at 55 degrees).

I recently paid off a car loan with a monthly payment of $300/month so meeting the payment on this note will not be a problem.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 14.25%  
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: Jul-2011 Debt/Income ratio: 8%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 3 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: vigilance-circuit9 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 659529
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $540.33
 
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-2004 Debt/Income ratio: 18%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $54,888Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: leverage-apple2 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...
Pay off debt

I am a great candidate for this loan because I make enough money to easily pay it off and my credit and income also prove this.


I have never had bad credit or bankruptcy.
I have never missed any payments or been in collection before either
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659547
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,200.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $11,200 Estimated loss*: 6.24%  
Term: 60 months  
 
Lender yield: 19.81% Borrower rate/APR: 20.81% / 23.28% Monthly payment: $301.80
 
Lender servicing fee: 1.00% Effective Yield*: 18.63%  
Estimated return*: 12.39%  
* 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): 4 First credit line: May-2005 Debt/Income ratio: Not calculated
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 9Length of status:6y 9m
Amount delinquent: $189 Total credit lines: 18 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,005Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: top-money-machine Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
720-739 (Apr-2012)
 
Principal balance: $2,623.89 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Pay off credit cards that I had to support myself with when I was younger. I am now a financially responsible adult and look forward to being debt free.

My financial situation: Excellent. I own my house, my car, and pay all my bills on time.
I am a good candidate for this loan because...I recently took a management position at the store I have worked at for over 7 years. I gained a substantial pay raise.


Monthly net income: $2600
Monthly expenses: SEE BELOW
Housing: $600
Insurance: $150
Car expenses: $PAID OFF
Utilities: $150
Phone, cable, internet: $80
Food, entertainment: $250
Clothing, household expenses: $80
Credit cards and other loans: $350
Other expenses: $None
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659565
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 7.99%  
Term: 60 months  
 
Lender yield: 22.33% Borrower rate/APR: 23.33% / 25.86% Monthly payment: $425.71
 
Lender servicing fee: 1.00% Effective Yield*: 20.76%  
Estimated return*: 12.77%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1982 Debt/Income ratio: 70%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 14Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 39 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,986Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: peace-horse Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Debt Consolation
This loan will be used to...pay off credit card debt and get parents settled into Nursing Home facility

My financial situation: Good
I am a good candidate for this loan because...I want to be able to pay off the debt that I have and be debt free by my 59 th birthday and I think by getting to take advantage of a loan like this I can make that happen and also care for my parents and family


Monthly net income: $2500
Monthly expenses: 2300
Housing: $
Insurance: $200
Car expenses: $765
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $700
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659643
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Sep-1977 Debt/Income ratio: Not calculated
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:7y 5m
Amount delinquent: $91 Total credit lines: 18 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,062Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: currency-banjo7 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
Other
Purpose of loan:
This loan will be used to...pay bills

My financial situation:
I am a good candidate for this loan because...i am trustworthy and wii pay you back.


Monthly net income: $4,000.00
Monthly expenses: $2,500.00
Housing: $1,000.00
Insurance: $150.00
Car expenses: $
Utilities: $400.00
Phone, cable, internet: $250.00
Food, entertainment: $250.00
Clothing, household expenses: $275.00
Credit cards and other loans: $400.00
Other expenses: $325.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659667
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $335.34
 
Lender servicing fee: 1.00% Effective Yield*: 17.83%  
Estimated return*: 9.84%  
* 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): 6 First credit line: Jan-1965 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: 3 / 3Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 21Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,251 
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: gold-motivator8 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained 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 tp, contsoiidate debt....

My financial situation:
I am a good candidate for this loan because...
I I am in good health, Have been paying my bills on timeand know this is an obligation.

Monthly net income: $1500.00
Monthly expenses: $200.0
Housing: $0.0
Insurance: $0.0
Car expenses: $0.0
Utilities: $0.0
Phone, cable, internet: $42.0
Food, entertainment: $200.0
Clothing, household expenses: $25.00
Credit cards and other loans: $300.0
Other expenses: $0.0
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659673
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 3 First credit line: Jan-1985 Debt/Income ratio: 38%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 3Employment status:Other
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:0y 0m
Amount delinquent: $217 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $80,509Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: pound-jaunt5 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to...
fund my business
My financial situation:
I am a good candidate for this loan because...


Monthly net income: $3,100
Monthly expenses: $700
Housing: $557
Insurance: $144
Car expenses: $100
Utilities: $184
Phone, cable, internet: $84
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659709
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 0.99%  
Term: 36 months  
 
Lender yield: 6.49% Borrower rate/APR: 7.49% / 8.83% Monthly payment: $155.51
 
Lender servicing fee: 1.00% Effective Yield*: 6.41%  
Estimated return*: 5.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Nov-2000 Debt/Income ratio: 15%
Credit score: 780-799 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 9 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,223Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: openness-arboretum6 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
Large Purchases
Purpose of loan:
This loan will be used to...help my son with a purchase

My financial situation:
I am a good candidate for this loan because I have excellent credit, work history and payment history...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659715
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 13.25%  
Term: 60 months  
 
Lender yield: 29.30% Borrower rate/APR: 30.30% / 33.02% Monthly payment: $325.38
 
Lender servicing fee: 1.00% Effective Yield*: 26.70%  
Estimated return*: 13.45%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1999 Debt/Income ratio: 61%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 16 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,023Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: pragmatic-auction3 Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained 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 the balance off of 3 credit cards as well as a small amount of medical debt.
My financial situation:
I am a good candidate for this loan because...
I have an excellent credit history, am responsible about my finances, and have been very successful other the last several years managing our large amount of medical debt.

Monthly net income: $3200
Monthly expenses: $3000
Housing: $
Insurance: $80
Car expenses: $420
Utilities: $75
Phone, cable, internet: $70
Food, entertainment: $700
Clothing, household expenses: $200
Credit cards and other loans: $850
Other expenses: $600 (gas)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 22.98% Borrower rate/APR: 23.98% / 26.53% Monthly payment: $57.51
 
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): 7 First credit line: Aug-1988 Debt/Income ratio: 4%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 5 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,338Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: gain-axis3 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
Country Music Album Production
Purpose of loan: Financing professional album production.

This loan will be used to finance a professionally produced country music album.

I am a good financial candidate because: (See Executive Summary)

Executive Summary
This is a high yield, low risk investment. My monthly income after taxes and expenses is $1716.50. I have no rental or mortgage payments. Experience the high yielding opportunities of the music industry without the associated risks of an equity position.

Monthly After Tax Income: $2713.50

Itemized Monthly Expenses

Student Loans: $298
Car Payment: $199
Auto Insurance: $100
Gas: $200
Food: $200

Total Monthly Expenses: $997

Monthly Income After Taxes and Expenses: $1716.50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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-1998 Debt/Income ratio: 23%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,929Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: loot-raker1 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
Business
Purpose of loan:
This loan will be used to...

My financial situation: I need to buy equipment for my business
I am a good candidate for this loan because...
I have great credit history, and I can easily repay

Monthly net income: $2500
Monthly expenses: $1300
Housing: $0
Insurance: $135
Car expenses: $433
Utilities: $0
Phone, cable, internet: $70
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 660019
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 13.75%  
Term: 36 months  
 
Lender yield: 27.59% Borrower rate/APR: 28.59% / 32.54% Monthly payment: $83.37
 
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): 8 First credit line: Sep-2005 Debt/Income ratio: 10%
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:0y 2m
Amount delinquent: $77 Total credit lines: 17 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,043Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: orderly-ore7 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to help me consolidate my credit card debt. I am a recent college graduate and have an abundance of student loans as well - I would like to consolidate my credit card debt and I find Prosper to be a good way of getting a lower interest rate. I would greatly appreciate your assistance to let me get out of debt.

My financial situation:
I am a good candidate for this loan because I am a reliable professional and I have been an IT Technical Recruiter for over 2 years now with 40K Salary plus commission.

Monthly net income: $2800.00
Monthly expenses: $1500.00
Housing: $775.00
Insurance: $100.00
Car expenses: $50.00
Utilities: $45.00
Phone, cable, internet: $120.00
Food, entertainment: $150.00
Clothing, household expenses: $50.00
Credit cards and other loans: $200.00
Other expenses: $10.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 660049
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 11.23% Borrower rate/APR: 12.23% / 14.49% Monthly payment: $89.44
 
Lender servicing fee: 1.00% Effective Yield*: 10.91%  
Estimated return*: 8.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-2002 Debt/Income ratio: 22%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 20 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,032Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: truth-empire0 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 34 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,100.00< 31 days late: 0 ( 0% )  
720-739 (Jan-2012)
660-679 (Aug-2010)
 
Principal balance: $2,137.89 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Buying a car
Purpose of loan:
This loan will be used to buy a more fuel efficient car for commuting to work.

My financial situation:
I am a good candidate for this loan because I never fail to pay my bills. All of my household bills are shared. I have a stable job and do what I am supposed to. I am a no risk candidate. Thanks for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 660097
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $376.70
 
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: Jan-1997 Debt/Income ratio: 10%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 6 Current / open credit lines: 2 / 2Length of status:0y 2m
Amount delinquent: $26,560 Total credit lines: 17 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $133Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: income-tomahawk8 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
auto loan
Purpose of loan: auto
This loan will be used to... Get transportation

My financial situation:
I am a good candidate for this loan because... I'm trying get a good relationship with prosper, so when I open my business they will be willing to give me a loan.


Monthly net income: $4000
Monthly expenses: $700
Housing: $535
Insurance: $
Car expenses: $
Utilities: $50
Phone, cable, internet: 100
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $20
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 660109
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 5.99%  
Term: 60 months  
 
Lender yield: 19.24% Borrower rate/APR: 20.24% / 22.69% Monthly payment: $213.02
 
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: May-1991 Debt/Income ratio: 11%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 34 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,691Stated income:$75,000-$99,999
Delinquencies in last 7y: 7 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: gain-hotshot8 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...Pay off credit cards

My financial situation:
I am a good candidate for this loan because...I have been on time on all my payments for the past 5+ years. I have a full time job and work a minimum 8 hours of overtime a week.


Monthly net income: $7000.00
Monthly expenses: $400.00
Housing: $1659.00
Insurance: $155.00
Car expenses: $400.00
Utilities: $600.00
Phone, cable, internet: $300..00
Food, entertainment: $400.00
Clothing, household expenses: $300.00
Credit cards and other loans: $400.00
Other expenses: $400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 660163
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $11,500 Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 20.18% Borrower rate/APR: 21.18% / 23.66% Monthly payment: $312.28
 
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: Aug-1996 Debt/Income ratio: 19%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:8y 10m
Amount delinquent: $0 Total credit lines: 35 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,456Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: velocity-cupcake9 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt 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 660187
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Jan-2000 Debt/Income ratio: 39%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 14Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 50 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,916Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: frontier987 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
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: $4690.00
Monthly expenses:
Housing: $1400.00
Insurance: $86
Car expenses: $530
Utilities: 30
Phone, cable, internet: $50
Food, entertainment: $200
Clothing, household expenses: 100
Credit cards and other loans: $800
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 660211
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 5 First credit line: Apr-1985 Debt/Income ratio: 31%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 14Length of status:13y 9m
Amount delinquent: $0 Total credit lines: 36 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,960Stated income:$50,000-$74,999
Delinquencies in last 7y: 29 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: duty-entrepreneur79 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $ 3000
Monthly expenses: $
Housing: $ 810
Insurance: $ 75
Car expenses: $ 100
Utilities: $ 100
Phone, cable, internet: $ 75
Food, entertainment: $ 100
Clothing, household expenses: $ 50
Credit cards and other loans: $ 800
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 646150
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $376.70
 
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: Oct-1987 Debt/Income ratio: 33%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 10Length of status:16y 4m
Amount delinquent: $0 Total credit lines: 39 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,000Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: first-class-durability7 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Debt Consolidation
This loan will be used to...pay off credit cards

My financial situation: consistent and current
I am a good candidate for this loan because...I am faithful in payments


Monthly net income: $3500.
Monthly expenses: $300.00
Housing: $
Insurance: $100.00
Car expenses: $550.00
Utilities: $
Phone, cable, internet: $150.00
Food, entertainment: $150.00
Clothing, household expenses: $150.00
Credit cards and other loans: $600.00
Other expenses: $250.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 646444
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Oct-2000 Debt/Income ratio: 39%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 6 / 5Length of status:1y 2m
Amount delinquent: $304 Total credit lines: 22 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: gain-broadcaster7 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
Baby &amp; Adoption Loans
Purpose of loan: Private Adoption
This loan will be used to...Pay for the lawyer and home study

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


Monthly net income: $4000
Monthly expenses: $2600
Housing: $380
Insurance: $280
Car expenses: $940
Utilities: $130
Phone, cable, internet: $140
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 655788
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $931.51
 
Lender servicing fee: 1.00% Effective Yield*: 17.83%  
Estimated return*: 9.84%  
* 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): 6 First credit line: Jul-1988 Debt/Income ratio: 31%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 7Length of status:18y 4m
Amount delinquent: $0 Total credit lines: 41 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,366Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: course082 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained 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 credit card debt

My financial situation: In good shape right now
I am a good candidate for this loan because... We meet all financial obligations on a monthly basis and do not miss payments.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 656704
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 9.25%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $205.01
 
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: Aug-1983 Debt/Income ratio: 34%
Credit score: 760-779 (Oct-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $93,376Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: listing-control0 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
Debt consolidation
Purpose of loan:
This loan will be used to...pay off credit card debt

My financial situation:
I am a good candidate for this loan because...I have always paid my debts, most of which I have set up on automatic payment from my checking account. The need for this loan is caused by my assisting my grandson in finishing college which he will do in December 2012.


Monthly net income: $5010
Monthly expense 4083
Housing: $1245
Insurance: $248
Car expenses: $328
Utilities: $239
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $1064
Other expenses: $309
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 657680
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 11.23% Borrower rate/APR: 12.23% / 14.49% Monthly payment: $335.41
 
Lender servicing fee: 1.00% Effective Yield*: 10.91%  
Estimated return*: 8.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1984 Debt/Income ratio: Not calculated
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:20y 5m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $914Stated income:$1-$24,999
Delinquencies in last 7y: 30 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: cunning-dedication8 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 740-759 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
700-719 (Dec-2011)
 
Principal balance: $3,317.05 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Home improvement
Purpose of loan:
This loan will be used to fix various necessary appliances at home,
My financial situation:
I am a good candidate for this loan because I have a history of consistent and on time payments and no extensive bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 658380
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 13.25%  
Term: 36 months  
 
Lender yield: 26.86% Borrower rate/APR: 27.86% / 31.79% Monthly payment: $165.15
 
Lender servicing fee: 1.00% Effective Yield*: 24.47%  
Estimated return*: 11.22%  
* 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): 5 First credit line: Sep-1999 Debt/Income ratio: 43%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 31 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,981Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: funds-dandelion0 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...debt consolidation

My financial situation:
I am a good candidate for this loan because...I have excellent work history, and have no late pays or charge offs in over 15 years.


Monthly net income: $2800
Monthly expenses: $200
Housing: $0
Insurance: $100
Car expenses: $400
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $600
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 658772
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $389.50
 
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: Nov-1998 Debt/Income ratio: 18%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,141Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: fulfilling-transaction4 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 pay off 2 credit cards

My financial situation:
Because I have never missed a payment and I pay above the minimum due to try to keep the balances as low as possible.

Household
Monthly net income: $ 6892.00
Monthly expenses: $500.00
Housing: $ 2030.00
Insurance: $145
Car expenses: $440.
Utilities: $350.
Phone, cable, internet: $170.
Food, entertainment: $850.00
Clothing, household expenses: $200.
Credit cards and other loans: $700
Other expenses: $776
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 658784
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,400.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $5,180 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $233.22
 
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): 9 First credit line: Feb-2000 Debt/Income ratio: 8%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:11y 0m
Amount delinquent: $0 Total credit lines: 12 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,885Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: orange-loan-samurai 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.
Description
Payoff Higher Interest CC
Purpose of loan:
This loan will be used to pay off and get rid of a higher interest credit card that won't go any lower with interest rate. I was debt free a couple years ago, but got hit hard with Medical emergencies (premature twins!), so I grudgingly used a CC to pay for costs associated with Medical emergency.

My financial situation:
I am a good candidate for this loan because I have and have always had a good credit rating, never late on bills, I continue to excel at my company (good raise every year and several promotions in my tenure) which is strong.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 658886
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 7 First credit line: Aug-1996 Debt/Income ratio: 30%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,423Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: Yes  
Screen name: enriched-income378 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation/medical
Purpose of loan:
This loan is going to be used to...
Pay off bills and get a necessary surgery
My financial situation:
I am a good candidate for this loan because...
once I use it to pay everything off and get my surgery, I have The money to make the payments. I need this surgery for medical reasons, but I need to consolidate my bills. I am be paying less a month by being able to do this.

Monthly net income: $2000
Monthly expenses: $93
Housing: $
Insurance: $
Car expenses: $95
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $410
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 658940
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 8 First credit line: Jan-2001 Debt/Income ratio: 8%
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:13y 1m
Amount delinquent: $83 Total credit lines: 12 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,196Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: hope-genetics1 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
Other
Purpose of loan: To consolidate some debt and have some money to put into saving's account and try to build from there.
This loan will be used to...pay some bills and help me move into my new townhome.

My financial situation:
I am a good candidate for this loan because...I am a young hard working single man just trying to build a better financial situation for myself. I am getting ready to move into a new townhome on Nov 1st and the extra money will come in handy.
Monthly net income: $2500
Monthly expenses:
Housing: $600
Insurance: $95
Car expenses: $40
Utilities: $50
Phone, cable, internet: $50
Food, entertainment: $100
Clothing, household expenses: $25
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 658974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Feb-2005 Debt/Income ratio: 16%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:5y 3m
Amount delinquent: $222 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,356Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: dollar-turtle8 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 658994
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,350.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,245 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $395.22
 
Lender servicing fee: 1.00% Effective Yield*: 19.37%  
Estimated return*: 10.12%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1983 Debt/Income ratio: 19%
Credit score: 760-779 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,572Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: bold-money-didgeridoo Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off credit cards in a shorter time.

My financial situation:
I am a good candidate for this loan because I have a long history with creditors and excellent payment history. Also I have very stable income.


Monthly net income: $4,100
Monthly expenses: $
Housing: $1,200
Insurance: $250
Car expenses: $
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659018
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 3.74%  
Term: 60 months  
 
Lender yield: 14.64% Borrower rate/APR: 15.64% / 17.98% Monthly payment: $205.08
 
Lender servicing fee: 1.00% Effective Yield*: 14.06%  
Estimated return*: 10.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1994 Debt/Income ratio: 16%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:23y 10m
Amount delinquent: $0 Total credit lines: 24 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,740Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: brilliant-bazaar5 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 740-759 (Latest)
Principal borrowed: $12,620.04< 31 days late: 0 ( 0% )  
640-659 (Sep-2011)
 
Principal balance: $10,797.99 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Wedding expences
Purpose of loan: Daughter's wedding expences.
Our oldest daughter is getting married and we need to raise $8,500. She and her fiancee are paying for the other half. We would like to give her and the future son-in-law a wonderful wedding to be remembered.
Monthly net income: $5,000
Monthly expenses: $3,815
Housing: $1,200
Insurance: $300
Car expenses: $200
Utilities: $75
Phone, cable, internet: $90
Food, entertainment: $450
Clothing, household expenses: $100
Credit cards and other loans: $400
Other expenses: $1,000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: May-1993 Debt/Income ratio: 16%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:23y 10m
Amount delinquent: $0 Total credit lines: 14 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: diversification-entrepreneur756 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
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: $2700
Monthly expenses: $
Housing: $948
Insurance: $100
Car expenses: $
Utilities: $300
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $10 000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659150
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $225.62
 
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: Sep-2006 Debt/Income ratio: 27%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 16 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,438Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: bright-currency929 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding Loans
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659198
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.75%  
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): 5 First credit line: Feb-2001 Debt/Income ratio: Not calculated
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 3Length of status:0y 1m
Amount delinquent: $2,698 Total credit lines: 7 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31Stated income:$1-$24,999
Delinquencies in last 7y: 3 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: new-pound-recruiter Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt 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: $1,400
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $200
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659208
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 5 First credit line: Apr-1994 Debt/Income ratio: 9%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 7 / 4Length of status:4y 2m
Amount delinquent: $15,587 Total credit lines: 30 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,532Stated income:$50,000-$74,999
Delinquencies in last 7y: 14 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: fascinating-fairness9 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659216
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.75%  
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): 1 First credit line: Dec-2000 Debt/Income ratio: 25%
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 5Length of status:21y 7m
Amount delinquent: $334 Total credit lines: 36 Occupation: Fireman
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 35 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: thewiseone Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 31 ( 89% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 4 ( 11% )  
640-659 (May-2011)
620-639 (May-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Vacation
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 659234
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $6,500 Estimated loss*: 12.75%  
Term: 36 months  
 
Lender yield: 26.12% Borrower rate/APR: 27.12% / 31.03% Monthly payment: $265.78
 
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): 5 First credit line: Dec-1998 Debt/Income ratio: 25%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 8Length of status:8y 2m
Amount delinquent: $70,659 Total credit lines: 53 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,669Stated income:$100,000+
Delinquencies in last 7y: 24 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: glowing-dime2 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off credit card debt.

My financial situation:
I am a good candidate for this loan because I will be paying it back quickly.


Monthly net income: $ 9200
Monthly expenses: $ 6062
Housing: $ 1731
Insurance: $
Car expenses: $ 1400
Utilities: $ 350
Phone, cable, internet: $ 225
Food, entertainment: $ 500
Clothing, household expenses: $ 200
Credit cards and other loans: $ 800
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659426
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 7.24%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.71% Monthly payment: $366.51
 
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: Feb-1993 Debt/Income ratio: 28%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:15y 9m
Amount delinquent: $0 Total credit lines: 22 Occupation: Administrative Assi...
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: graceful-hope8 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 21 ( 100% ) 700-719 (Latest)
Principal borrowed: $21,500.00< 31 days late: 0 ( 0% )  
700-719 (Jan-2012)
780-799 (May-2011)
 
Principal balance: $12,086.85 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
Other
Purpose of loan: Need a new Roof on my house
This loan will be used to... get a roof on my house

My financial situation:
I am a good candidate for this loan because... I believe in paying this off early if possible, i am good for this.


Monthly net income: $4300
Monthly expenses: $
Housing: $1700
Insurance: $130
Car expenses: $300.00
Utilities: $50.00
Phone, cable, internet: $110
Food, entertainment: $250.00
Clothing, household expenses: $
Credit cards and other loans: $600.00
Other expenses: $150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659470
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 0.99%  
Term: 36 months  
 
Lender yield: 6.49% Borrower rate/APR: 7.49% / 8.83% Monthly payment: $155.51
 
Lender servicing fee: 1.00% Effective Yield*: 6.41%  
Estimated return*: 5.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Feb-1989 Debt/Income ratio: 3%
Credit score: 840-859 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $396Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: generosity-orbiter8 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to purchase additional vending machines.

My financial situation:
I am a good candidate for this loan because I have an excellent credit rating; am gainfully employed and I have the cash in saving to repay the loan in full at any time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659490
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 3 First credit line: May-1997 Debt/Income ratio: 46%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $51,944Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: cheetah496 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 and Auto related expenses
Purpose of loan: Household expenses
This loan will be used to...
Solve current cash flow issues.
My financial situation: My financial situation was decimated by the economy starting in 2008. The changes to my income caused by the economic environment did great damage to savings and debt levels. At that time I started a search for a new career. After an exhaustive search I transitioned into a new career in 2011. The hole in my financial situation stopped getting deeper once I made the career change. But I do still have significant work to do to get to where I am comfortable with my financial situation.
I am a good candidate for this loan because my current cash flow situation should improve significantly over the next 6-8 months making this monthly payment easy to handle and even present the opportunity to possibly pay it off early. My income potential at my current job is improving and I hope to see significant increases in my my monthly inflow of cash due to these improvements. I have also been approved by my mortgage lender for a refinance through the Home Affordable Mortgage Program. This will reduce that payment by approximately $300 per month. Another factor to consider is my monthly income jumps dramatically in the spring due to part-time contract work I perform. This income averages about $1100 per month, is unrelated to my career and has been received steadily since March of 2007. Despite the issues I have faced these last 4+ years I have managed to meet all financial obligations as agreed upon as seen in my credit report. It has been a struggle at times but I very staunchly believe in paying things that I owe and will continue to abide by that belief no matter what. The money will be used to take care of some non-recurring expenses related to my house and my vehicle and also provide a little bit of a buffer in case any unforseen expenses come up in the next few months. My wife does take care of some of the expenses asked about so that is why some things asked about do not contain dollar amounts.


Monthly net income: $4000
Monthly expenses: $
Housing: $1500
Insurance: $130
Car expenses: $120
Utilities: $250
Phone, cable, internet: $150
Food, entertainment: $50
Clothing, household expenses: $0
Credit cards and other loans: $1515
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659532
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Sep-1999 Debt/Income ratio: 111%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 40 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,792Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: open-minded-revenue7 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
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659616
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 5 First credit line: Sep-1999 Debt/Income ratio: 35%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 36 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,774Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: majestic-transparency590 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Debt consolidation
This loan will be used to...pay off a high interest credit card

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


Monthly net income: $4000
Monthly expenses: $3000
Housing: $700
Insurance: $130
Car expenses: $400
Utilities: $200
Phone, cable, internet: $170
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659646
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,200.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,040 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $231.45
 
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): 8 First credit line: Feb-1987 Debt/Income ratio: 8%
Credit score: 820-839 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 19 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,182Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: fabulous-treasure0 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto
Purpose of loan:
This loan will be used to...finance a new car.

My financial situation:
I am a good candidate for this loan because...I have stable employment with little debt and can repay the loan amount within the time frame.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 60 months  
 
Lender yield: 31.32% Borrower rate/APR: 32.32% / 35.10% Monthly payment: $67.59
 
Lender servicing fee: 1.00% Effective Yield*: 28.49%  
Estimated return*: 13.74%  
* 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: Sep-2007 Debt/Income ratio: 28%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 10 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: durability-amusement Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay my debts off.

My financial situation:
I am a good candidate for this loan because...I always make the monthly payments on time. I am a very trustworthy person.


Monthly net income: $1,000
Monthly expenses: $1,000
Housing: $350
Insurance: $300
Car expenses: $274.45
Utilities: $200
Phone, cable, internet: $300
Food, entertainment: $100
Clothing, household expenses: $25
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659742
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,750.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,825 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $372.31
 
Lender servicing fee: 1.00% Effective Yield*: 19.37%  
Estimated return*: 10.12%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 14 / 8Length of status:12y 2m
Amount delinquent: $0 Total credit lines: 41 Occupation: Architect
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,636Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: architect4u Borrower's state: RhodeIsland Borrower's group: Thousand Dollar Group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 44 ( 100% ) 720-739 (Latest)
Principal borrowed: $16,500.00< 31 days late: 0 ( 0% )  
700-719 (Jan-2012)
660-679 (Jan-2008)
 
Principal balance: $7,230.80 31+ days late: 0 ( 0% )
Total payments billed: 44  
Description
Business
3rd Prosper loan; 1st paid in full always on time, 2nd in payment on time.

Loan is to pay second lawer bill to collect awarded judgment money (385k +) after a contract dispute. This bill $9741.07 from depositions. Debt carried is from dispute. Lawyer retained for collection; discovery, depositions, and legal means to collect assets. Prospect is looking optimistic; significant assets, and depositions went well.

I am a good candidate for this loan; vigilant about paying bills on time, even through rough times. I am owed large sums of money I anticipate in coming few months. My business is based on word of mouth. I understand the value of reputation and integrity.

I had a rough patch these past few years with injuries from a serious accident (hit by truck). Through it all, I found ways to pay my bills. In a few months (Pre-trial set for Feb.) accident should settle (for more than enough to pay all debt). Business has cash flow, to pay the Prosper loan; busy and getting busier due to longstanding repeat clients. Only lates on credit from mortgage prior to being granted relief program during injury.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659782
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $226.02
 
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): 6 First credit line: May-1994 Debt/Income ratio: Not calculated
Credit score: 780-799 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 5 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,701Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: Lesterthelender Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to...
Purchase inventory for my e-commerce website and Amazon/Ebay business. The business is already providing steady cash flow, and I just need more capital to maintain the inventory. I often go out of stock of products, because I am unable to purchase large enough quantities, and I have had to miss out on sales because of this.

My financial situation:
I am a good candidate for this loan because...
I have good credit, and always pay my loans on time. I am a University of Florida graduate and a very hard worker. I work 50-60 hour weeks at another business does practically the same business on top of the 20 hours a put in to this business. With a little more capital, I will be able to do my business full time and hopefully make it huge. I am a young hungry entrepreneur looking for a little assistance.

Monthly net income: $3500
Monthly expenses: $
Housing: $865
Insurance: $0
Car expenses: $0
Utilities: $50
Phone, cable, internet: $80
Food, entertainment: $600
Clothing, household expenses: $400
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $16,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $16,000 Estimated loss*: 7.24%  
Term: 60 months  
 
Lender yield: 21.26% Borrower rate/APR: 22.26% / 24.76% Monthly payment: $444.27
 
Lender servicing fee: 1.00% Effective Yield*: 19.86%  
Estimated return*: 12.62%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1997 Debt/Income ratio: 33%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 15Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 35 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,181Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: deal-engine599 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659956
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 20.18% Borrower rate/APR: 21.18% / 23.66% Monthly payment: $271.55
 
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: Nov-2001 Debt/Income ratio: 4%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 2Length of status:0y 11m
Amount delinquent: $39 Total credit lines: 15 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $282Stated income:$75,000-$99,999
Delinquencies in last 7y: 14 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: trade-britches3 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical Sales Rep Needs Loan
Purpose of loan: This loan is for emergency cash to help bridge the gap between my great new job and the holidays.
This loan will be used to...Pay bills or emergencies as they arise.

My financial situation:
I am a good candidate for this loan because... I have no debt at all. My car is paid off. I have an Allstate insurance policy where I get $170,000 dollars in Feb. I also have just received a great new job making well over 6 figures starting Jan 1. I am waiting on my 4th quarter commission and need this for emergencies to get by through the holidays. I have paid off every loan that I have ever had and have no debt other then monthly bills and insurance.


Monthly net income: $ 6000
Monthly expenses: 1000
Housing: $1000
Insurance: $500
Car expenses: $0
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $ 200
Credit cards and other loans: $30
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659962
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $17,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $12,250 Estimated loss*: 2.74%  
Term: 36 months  
 
Lender yield: 9.34% Borrower rate/APR: 10.34% / 13.14% Monthly payment: $567.47
 
Lender servicing fee: 1.00% Effective Yield*: 9.05%  
Estimated return*: 6.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1989 Debt/Income ratio: 18%
Credit score: 780-799 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:19y 3m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,280Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: innocent-return714 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.
Description
401K payoff
Purpose of loan: Pay off a 401K loan
This loan will be used to...eliminate credit card debt

My financial situation:
I am a good candidate for this loan because...I only need the money for a short period of time. I'm going to pay off my 401K loan, which is about $18,000, and then I plan to turn around and reborrow $23,000 at 4.25% from the 401K. My original 401K loan was taken out two years ago for $39,000 and used to partially fund a down payment for our house. So I'll actually be able to reduce my loan payment amount in addition to paying off the much higher interest rate credit cards.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 5.99%  
Term: 60 months  
 
Lender yield: 19.24% Borrower rate/APR: 20.24% / 22.69% Monthly payment: $106.51
 
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: Jul-1993 Debt/Income ratio: Not calculated
Credit score: 760-779 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 19 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,253Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: balance-attraction6 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Other
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 659998
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 1.99%  
Term: 36 months  
 
Lender yield: 7.64% Borrower rate/APR: 8.64% / 9.99% Monthly payment: $632.65
 
Lender servicing fee: 1.00% Effective Yield*: 7.46%  
Estimated return*: 5.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1999 Debt/Income ratio: 16%
Credit score: 780-799 (Oct-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,444Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: johnoneil Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate 2 credit cards. This does a few things, a) lowers my monthly payment, b) shortens the term of the accounts, c) lowers the interest rate significantly on the cards, and d) turns 2 bills into 1 (I'm into making life simple now!!).

My financial situation:
I am a good candidate for this loan because...I have a steady monthly income from my employment, as well as side income from various investments, including real estate, businesses, etc. I have also already shredded the cards that I'm paying off. I hate credit cards!!!!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 660076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 1 First credit line: Aug-1995 Debt/Income ratio: 50%
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 61 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: new-wealth-lotus Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
700-719 (Jan-2012)
 
Principal balance: $5,303.94 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate small loans.

My financial situation:
I am a good candidate for this loan because I am on-time on my payments and never missed one.


Monthly net income: $ 4480
Monthly expenses: $ 100
Housing: $
Insurance: $ 250
Car expenses: $
Utilities: $ 230
Phone, cable, internet: $ 145
Food, entertainment: $ 300
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 660178
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 9.25%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $439.30
 
Lender servicing fee: 1.00% Effective Yield*: 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: Jul-1982 Debt/Income ratio: 10%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 12Employment status:Employed
Now delinquent: 7 Current / open credit lines: 5 / 5Length of status:0y 7m
Amount delinquent: $577 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,674Stated income:$75,000-$99,999
Delinquencies in last 7y: 24 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: platinum-trumpeter291 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to... fincance a few home improvements in the home

My financial situation:
I am a good candidate for this loan because... i am stable, good income, pay my bills on time over twenty years of credit history.


Monthly net income: $8300
Monthly expenses: $2400
Housing: $648
Insurance: $included in mortgage
Car expenses: $0
Utilities: $175
Phone, cable, internet: $55.00
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $300
Other expenses: $
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 660184
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Nov-1998 Debt/Income ratio: Not calculated
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 3 Current / open credit lines: 5 / 2Length of status:7y 5m
Amount delinquent: $514 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,253Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: orderly-camaraderi1 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
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: $3200
Monthly expenses: $150
Housing: $100
Insurance: $100
Car expenses: $200
Utilities: $290
Phone, cable, internet: $30
Food, entertainment: $150
Clothing, household expenses: $50
Credit cards and other loans: $80
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 660232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 12 months  
 
Lender yield: 22.20% Borrower rate/APR: 23.20% / 31.13% Monthly payment: $376.69
 
Lender servicing fee: 1.00% Effective Yield*: 20.19%  
Estimated return*: 6.44%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1988 Debt/Income ratio: 14%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:11y 3m
Amount delinquent: $0 Total credit lines: 24 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,798Stated income:$100,000+
Delinquencies in last 7y: 15 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: wise-trustworthy-deal5 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:
This loan will be used to...pay medical bill outstanding

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


Monthly net income: $ 6500
Monthly expenses: $
Housing: $ 2830
Insurance: $ 115
Car expenses: $ 200
Utilities: $ 275
Phone, cable, internet: $ 240
Food, entertainment: $ 300
Clothing, household expenses: $ 150
Credit cards and other loans: $ 1100
Other expenses: $ 162 (homeowners dues)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 660250
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Apr-2009 Debt/Income ratio: 4%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: pizza024 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1947
Monthly expenses: $100
Housing: $525
Insurance: $0
Car expenses: $50
Utilities: $50
Phone, cable, internet: $0
Food, entertainment: $50
Clothing, household expenses: $0
Credit cards and other loans: $20
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 660262
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 8 First credit line: Aug-1975 Debt/Income ratio: 26%
Credit score: 820-839 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 27 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,125Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: dedication-stockpiler7 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...use for home improvements

My financial situation:
I am a good candidate for this loan because... I have a credit rating of 803 and I pay all my bills on time , never late
Information in the Description is not verified.