Listing Report:Supplement No. 108 dated Dec 07, 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 655947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.25%  
Term: 60 months  
 
Lender yield: 26.59% Borrower rate/APR: 27.59% / 30.23% Monthly payment: $308.89
 
Lender servicing fee: 1.00% Effective Yield*: 24.35%  
Estimated return*: 13.10%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Dec-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:7y 7m
Amount delinquent: $0 Total credit lines: 18 Occupation: Realtor
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $11,226Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: Aceonthebeach3 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: Debt consolidation
This loan will be used to... Pay off Credit Cards

My financial situation: Stable
I am a good candidate for this loan because...I have never defaulted or missed a payment on any type of loan/credit line ever. I want to use the money to knock out all my credit cards at once.


Monthly net income: $5,250
Monthly expenses: $1700
Housing: $300
Insurance: $65
Car expenses: $50
Utilities: $135
Phone, cable, internet:$117
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $700
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 659939
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 5.99%  
Term: 60 months  
 
Lender yield: 19.24% Borrower rate/APR: 20.24% / 22.69% Monthly payment: $399.41
 
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: Aug-1994 Debt/Income ratio: 9%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 28 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,912Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: ethical-finance4 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
Pay off credit card debt.

My financial situation:
I am a good candidate for this loan because I have been employed in Software Sales for the past decade and currently make $140k in base salary and expect commissions earnings to put my W2 in the >$250k range. Last years W2 was ~$500k.

I tried to do a major home renovation without using a construction loan and ran up the credit card bills when it went over budget. I expect to refinance the house upon project completion (95% complete).

Monthly net income: $8475
Monthly expenses: $7420
Housing: $3300
Insurance: $120
Car expenses: $400
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $800
Clothing, household expenses: $50
Credit cards and other loans: $1750
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 672951
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 22.98% Borrower rate/APR: 23.98% / 26.53% Monthly payment: $345.08
 
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-1985 Debt/Income ratio: 30%
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:13y 4m
Amount delinquent: $0 Total credit lines: 40 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,699Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: reliable-social0 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
Debt consolidation
Purpose of loan: debt consolidation and a used car for child in college
This loan will be used to...

My financial situation: Stable
I am a good candidate for this loan because...
I have a stable job and meet my debts on time. I have never not paid a bill.

Monthly net income: $4000
Monthly expenses: $2000
Housing: $665
Insurance: $78
Car expenses: $327
Utilities: $150
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $300..but this will all roll into the consolidation loan
Other expenses: $100. recreation
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 677385
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.49%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 19.65% Monthly payment: $351.52
 
Lender servicing fee: 1.00% Effective Yield*: 14.17%  
Estimated return*: 8.68%  
* 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): 6 First credit line: May-1986 Debt/Income ratio: 13%
Credit score: 740-759 (Nov-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:20y 3m
Amount delinquent: $0 Total credit lines: 39 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,947Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: benefit-synapse9 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: loan consolidation
This loan will be used to...consolidate all of my credit card into one payment.

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


Monthly net income: $5000.00
Monthly expenses:600
Housing: $My husband pays for Mortgage
Insurance: $$200.00 every 6 months
Car expenses: $none
Utilities: $300.00100.00
Phone, cable, internet: $$125.oo
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $600.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 681687
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 60 months  
 
Lender yield: 30.65% Borrower rate/APR: 31.65% / 34.41% Monthly payment: $133.50
 
Lender servicing fee: 1.00% Effective Yield*: 27.88%  
Estimated return*: 13.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-1987 Debt/Income ratio: 11%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 1 / 1Length of status:24y 9m
Amount delinquent: $18,747 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,562Stated income:$25,000-$49,999
Delinquencies in last 7y: 32 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: green-worldly-moola2 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: to pay a Financial Recovery Service
This loan will be used to...The Financial Recovery Service for MBNA wants to settle our acct. We are currently paying $250/mo but they do not want to continue this even tho we have not missed a payment since we started.

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


Monthly net income: $1944 Monthly expenses: $
Housing: $
Insurance: $120 Car expenses: $
Utilities: $125
Phone, cable, internet: $125
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $1300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 682093
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 2.49%  
Term: 60 months  
 
Lender yield: 11.23% Borrower rate/APR: 12.23% / 14.49% Monthly payment: $111.80
 
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): 9 First credit line: May-1998 Debt/Income ratio: 22%
Credit score: 740-759 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,827Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: ready-liberty315 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
Surgery
Purpose of loan:
This loan will be used for...Cosmetic Surgery

My financial situation: good.
I am a good candidate for this loan because...I have had 2 previous loans of the same amount for the same reason and paid it off in less than a year. I have a good credit score and always pay my bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 682307
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.49%  
Term: 60 months  
 
Lender yield: 18.39% Borrower rate/APR: 19.39% / 21.82% Monthly payment: $392.33
 
Lender servicing fee: 1.00% Effective Yield*: 17.39%  
Estimated return*: 11.90%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1983 Debt/Income ratio: 34%
Credit score: 740-759 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:14y 4m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,485Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: bill-thinker5 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: debt consolidation. faster pay off of debt
This loan will be used to...
Pay off credit cards, education loans, medical expenses that have accumulated on credit cards. I want to pay off the credit cards, except for one. This will give me an opportunity to be out of debt much sooner.
My financial situation: stable
I am a good candidate for this loan because...
I have a very stable job in higher education. I have been employed here for 14 years. I am current on all payments on all accounts and have never missed a payment. My credit score is very good.

Monthly net income: $ 3200
Monthly expenses: $ 2200
Housing: $951
Insurance: $ 120
Car expenses: $ 45
Utilities: $ 75
Phone, cable, internet: $ 140
Food, entertainment: $ 100
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 682377
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Nov-1996 Debt/Income ratio: 65%
Credit score: 680-699 (Dec-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $59,923Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: goal-hope9 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
Home improvement
Purpose of loan:
This loan will be used to...repair flood damage

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


Monthly net income: $3600
Monthly expenses: $2300
Housing: $971
Insurance: $300
Car expenses: 0
Utilities: $220
Phone, cable, internet: $170
Food, entertainment: $125
Clothing, household expenses: $75
Credit cards and other loans: $600
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 682791
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 2.49%  
Term: 60 months  
 
Lender yield: 11.23% Borrower rate/APR: 12.23% / 14.49% Monthly payment: $290.69
 
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): 9 First credit line: Aug-2004 Debt/Income ratio: 28%
Credit score: 780-799 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:8y 9m
Amount delinquent: $0 Total credit lines: 25 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,049Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: red-peso-dandelion Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 780-799 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
800-819 (Jan-2012)
 
Principal balance: $5,341.30 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt consolidation
Purpose of loan:
To consolidate some higher rate credit card debt incurred from costs of moving and medical expenses.

My financial situation:

Solid employment in the US Army for at least the next 4 years, positive monthly income with ability to save monthly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683141
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Nov-2001 Debt/Income ratio: 19%
Credit score: 680-699 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 44 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,860Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: No  
Screen name: durability-angel6 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: debt consolidation
This loan will be used to pay off a high interest credit card

My financial situation: I am beginning my first career with US Customs and Border Protection
I am a good candidate for this loan because I always pay my bills before the due date.


Monthly net income: $2400
Monthly expenses/bills/credit cards/student loans: 980
Housing: $0
Insurance: $67 (included in monthly expenses)
Car expenses: $0
Utilities: $0
Phone, cable, internet: $72 (included in monthly expenses)
Food, entertainment: $200
Clothing, household expenses: $100
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683261
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 14.25%  
Term: 36 months  
 
Lender yield: 28.32% Borrower rate/APR: 29.32% / 33.29% Monthly payment: $84.16
 
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-1988 Debt/Income ratio: 8%
Credit score: 680-699 (Dec-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:17y 11m
Amount delinquent: $268 Total credit lines: 9 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,062Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: wise-powerful-principal6 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
Purpose of loan:
This loan will be used to...pay for living expenses and bills.

My financial situation:
I am a good candidate for this loan because... I will pay my loan off the fastest. I can pay more then the minimum requirement being asked for. Single, no children and still NO man!


Monthly net income: $2700.00
Monthly expenses: $
Housing: $892.00
Insurance: $40.00 a month
Car expenses: $ 30.00
Utilities: $40.00
Phone, cable, internet: $130.00
Food, entertainment: $150.00
Clothing, household expenses: $75.00
Credit cards and other loans: $ 900.00
Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683417
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $301.36
 
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: Feb-1996 Debt/Income ratio: 22%
Credit score: 680-699 (Nov-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:22y 6m
Amount delinquent: $0 Total credit lines: 43 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,866Stated income:$100,000+
Delinquencies in last 7y: 13 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: gold-comforter2 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
Lowered the loan amount based on my income alone. My income annually is $60,000 per year. I am not sure how to change the income and take my husbands out of the previous listing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683489
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 60 months  
 
Lender yield: 20.18% Borrower rate/APR: 21.18% / 23.66% Monthly payment: $407.32
 
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-1980 Debt/Income ratio: 12%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 49 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,439Stated income:$50,000-$74,999
Delinquencies in last 7y: 55 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: inspired-deal299 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
auto loan
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 683549
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $486.87
 
Lender servicing fee: 1.00% Effective Yield*: 20.64%  
Estimated return*: 10.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1990 Debt/Income ratio: 34%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 16 / 15Length of status:0y 10m
Amount delinquent: $1,602 Total credit lines: 48 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,073Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: credit-elevator2 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:
This loan will be used to...

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


Monthly net income: $64000.00
Monthly expenses: $
Housing: $
Insurance: $244.00
Car expenses: $800.00
Utilities: $
Phone, cable, internet: $
Food, entertainment: $200.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683917
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 4 First credit line: Apr-1997 Debt/Income ratio: 6%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 9 Current / open credit lines: 2 / 1Length of status:15y 3m
Amount delinquent: $44,720 Total credit lines: 27 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: listing-defender8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Taxes
Purpose of loan: peersonal...

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

Monthly net income: 2400
Housing: $1100.00
Insurance: $0
Car expenses: $228.79
Utilities: $100.00
Phone, cable, internet: $138.46
Food, entertainment: $200.0
Clothing, household expenses: $100.00
Credit cards and other loans: $64.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683931
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $372.60
 
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: Apr-1977 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 36 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $15,226Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: Wrking2bdebtfree 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...consolidate debt and be debt free in 3 years.

My financial situation:
I am a good candidate for this loan because...I am working three jobs with a steady income. I am completely current with my debt and have a plan to be debt free in 3 years.

Monthly net income: $ 7000
Monthly expenses: $600
Housing: $1150
Insurance: $300
Car expenses: $200
Utilities: $85
Phone, cable, internet: $150
Food, entertainment: $75
Clothing, household expenses: $100
Credit cards and other loans: $1500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683949
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $64.29
 
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: Apr-1994 Debt/Income ratio: 17%
Credit score: 780-799 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 15Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,443Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: dime-flow2 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 780-799 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
760-779 (Dec-2010)
 
Principal balance: $828.07 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Other
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683955
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: $17,500 Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 20.18% Borrower rate/APR: 21.18% / 23.66% Monthly payment: $678.87
 
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: Apr-1995 Debt/Income ratio: 25%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 19 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $53,637Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: taiko130 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
Purpose of loan: Debt Colsolidation
This loan will be used to...Consolidate Credit cards, fixed monthly payments.

My financial situation: Full Time employed for many years.
I am a good candidate for this loan because...I have had a steady income for years, never unemployed. High earning income and a stable job and company.


Monthly net income: $5000
Monthly expenses: $700
Housing: $1400
Insurance: $
Car expenses: $
Utilities: $100
Phone, cable, internet: $50
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683967
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 1.74%  
Term: 60 months  
 
Lender yield: 9.76% Borrower rate/APR: 10.76% / 12.99% Monthly payment: $324.34
 
Lender servicing fee: 1.00% Effective Yield*: 9.56%  
Estimated return*: 7.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1996 Debt/Income ratio: 5%
Credit score: 760-779 (Nov-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 35 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,242Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: ingenious-deal6 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...consolidate debt and leverage certain financial investments

My financial situation:
I am a good candidate for this loan because I am a financial professional who is responsible with my debt and investments. I make a living advising firms on their optimal capital structure. I have been employed with the same firm for nearly 7 years and have never been late on any financial obligations.

I have a very low probability of default as my employment is contingent on a fidelity bond which requires that I honor all of my financial obligations.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 7.99%  
Term: 12 months  
 
Lender yield: 14.63% Borrower rate/APR: 15.63% / 23.42% Monthly payment: $181.11
 
Lender servicing fee: 1.00% Effective Yield*: 13.58%  
Estimated return*: 5.59%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1991 Debt/Income ratio: 76%
Credit score: 800-819 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,530Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: unique-revenue2 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: BIlls
This loan will be used to...

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


Monthly net income: $3500
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 683979
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 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): 9 First credit line: Jun-1990 Debt/Income ratio: 3%
Credit score: 640-659 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:13y 3m
Amount delinquent: $11,476 Total credit lines: 41 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,866Stated income:$100,000+
Delinquencies in last 7y: 52 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: Lets-Ride 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...

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 683985
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $458.22
 
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: Nov-1994 Debt/Income ratio: 6%
Credit score: 760-779 (Nov-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:13y 4m
Amount delinquent: $0 Total credit lines: 9 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,264Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: leverage-utensil4 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
Purpose of loan: Debt Consolidation.
This loan will be used to...pay off my high interest credit cards and medical bills.

My financial situation: Bank of America
I am a good candidate for this loan because...I've always payed off my loans and make all credit card payments on time. All I want is one payment and pay off my med bills and credit cards.


Monthly net income: $6800.00
Monthly expenses: $3500
Housing: $1500.00
Insurance: $110.00
Car expenses: $0
Utilities: $300.00
Phone, cable, internet: $180.00
Food, entertainment: $300
Clothing, household expenses: $50.00
Credit cards and other loans: $800.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684015
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $188.35
 
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-2001 Debt/Income ratio: 46%
Credit score: 740-759 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:11y 11m
Amount delinquent: $0 Total credit lines: 32 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,864Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: rapid-return698 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
Auto
Purpose of loan:
To buy a car

This loan will be used to...
To buy a car that is a great deal, while it is still available

My financial situation:

I am a good candidate for this loan because...
I am young hard working man that worked for everything I have. I recently purchased my home and found a relaible car that i would like to purchase.


Monthly net income: $3000
Monthly expenses: 150
Housing: $726.00
Insurance: $
Car expenses: $
Utilities: $175
Phone, cable, internet: $150
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $550
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684019
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $12,500 Estimated loss*: 1.49%  
Term: 60 months  
 
Lender yield: 9.42% Borrower rate/APR: 10.42% / 12.65% Monthly payment: $268.18
 
Lender servicing fee: 1.00% Effective Yield*: 9.25%  
Estimated return*: 7.76%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1989 Debt/Income ratio: 19%
Credit score: 760-779 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:12y 3m
Amount delinquent: $0 Total credit lines: 33 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,318Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: loot-liberator8 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 cards
My financial situation:
I am a good candidate for this loan because...
I have a good income, I just need to get my credit cards on a single bill. I also plan to cancel all my cards except for one for emergencies.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684045
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: B Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $888.71
 
Lender servicing fee: 1.00% Effective Yield*: 14.87%  
Estimated return*: 8.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1993 Debt/Income ratio: 27%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 18 / 18Length of status:1y 4m
Amount delinquent: $245 Total credit lines: 42 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $121,159Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: suave-leverage429 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:
Consolidate Credit Card Debt
My financial situation:
High Income

Monthly net income: $20000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684069
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $263.69
 
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: Feb-2001 Debt/Income ratio: 14%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:8y 4m
Amount delinquent: $0 Total credit lines: 27 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,259Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 104%  
   Homeownership: Yes  
Screen name: leverage-seeker1 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:
This loan will be used to...
Pay off my credit card dedit
My financial situation: is good
I am a good candidate for this loan because...
I pay my bills on time

Monthly net income: $2400
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 684075
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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-2000 Debt/Income ratio: 20%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:3y 6m
Amount delinquent: $350 Total credit lines: 19 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,857Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: transaction-iris6 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...consolidate debt

My financial situation:
I am a good candidate for this loan because...I am currently employed and will be able to repay the loan amount with no problem.


Monthly net income: $2021.98
Monthly expenses: $
Housing: $250
Insurance: $
Car expenses: $
Utilities: $100
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $475
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684099
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: B Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $71.10
 
Lender servicing fee: 1.00% Effective Yield*: 14.87%  
Estimated return*: 8.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1994 Debt/Income ratio: 13%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,628Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: benefit-papyrus0 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...I am looking to improve my credit score and to do that I need to payoff one of the credit cards. I recently purchased my niece's car after she was murdered and had to fix a few things on the car. I do not normally run this particular credit card this high but between fixing my original car to give to my granddaughter and fixing my niece's car, the expense was higher than I anticipated.

My financial situation:
I am a good candidate for this loan because...I have a stable job with a steady income. I am now living on my own with no dependents to care for.


Monthly net income: $4000
Monthly expenses: $
Housing: $1350
Insurance: $267 (health and car)
Car expenses: $100
Utilities: $100
Phone, cable, internet: $350
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684217
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 9.25%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $234.29
 
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-1998 Debt/Income ratio: 40%
Credit score: 740-759 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,905Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: nickel-injector4 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
bill consolidation
Purpose of loan: bill consolidation
This loan will be used to... consolidate bills

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 0.74%  
Term: 36 months  
 
Lender yield: 6.24% Borrower rate/APR: 7.24% / 8.58% Monthly payment: $154.93
 
Lender servicing fee: 1.00% Effective Yield*: 6.18%  
Estimated return*: 5.44%  
* 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): 10 First credit line: May-1998 Debt/Income ratio: 7%
Credit score: 820-839 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:11y 7m
Amount delinquent: $0 Total credit lines: 22 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,392Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: ecstatic-coin8 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off credit card debits

My financial situation: BancFirst
I am a good candidate for this loan because...I pay my bills on time and I have a high credit score. I am hard working and honest.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684277
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 6 First credit line: May-1986 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Dec-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:17y 7m
Amount delinquent: $0 Total credit lines: 12 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,841Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: integrity-ecstasy3 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
Wedding
Purpose of loan:
This loan will be used to...Pay for my daughters wedding.

My financial situation:
I am a good candidate for this loan because...My credit score is 809 which is excellent.


Monthly net income: $4000
Monthly expenses: $1210
Housing: $
Insurance: $60.00
Car expenses: $
Utilities: $700.00
Phone, cable, internet: $200,00
Food, entertainment: $250,00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684301
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 12 months  
 
Lender yield: 14.63% Borrower rate/APR: 15.63% / 23.42% Monthly payment: $1,358.34
 
Lender servicing fee: 1.00% Effective Yield*: 13.58%  
Estimated return*: 5.59%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1976 Debt/Income ratio: 22%
Credit score: 680-699 (Dec-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 17Length of status:18y 9m
Amount delinquent: $0 Total credit lines: 42 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $199,070Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: return-daisy887 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-short term loan
Purpose of loan: Finishing up kitchen and roof
This loan will be used to... same

My financial situation: I have substantial income
I am a good candidate for this loan because...I am going to receive a large check from employment in January that can be used to pay off the loan.


Monthly net income: $30,000
Monthly expenses: $10,000
Housing: $1900
Insurance: $300
Car expenses: $750
Utilities: $250
Phone, cable, internet: $300
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $3500
Other expenses: $
500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684367
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 22.98% Borrower rate/APR: 23.98% / 26.53% Monthly payment: $115.03
 
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: Jun-1999 Debt/Income ratio: 12%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 14 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,948Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: goose599 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Relocation Costs
Purpose of loan: Relocation Costs
This loan will be used to... Pay for movers, Security deposit for an apartment, and first months rent.

My financial situation:
I am a good candidate for this loan because... I have never been late for any payment of debt and I currently do not have any credit card debt or other bills to pay. Once relocated I will have monthly expenses but my income will be able to cover rent and utilities.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 671240
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 27.99%  
Estimated return*: 11.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jan-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Nov-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 13 / 12Length of status:16y 10m
Amount delinquent: $490 Total credit lines: 32 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $239Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: discrete-wealth369 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Dental
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 672404
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 9.25%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $292.87
 
Lender servicing fee: 1.00% Effective Yield*: 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: Oct-2004 Debt/Income ratio: 92%
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 41 Occupation: Student - College G...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,740Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: payout-drum019 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
Family Expenses
Purpose of loan: for family expenses
This loan will be used to...

My financial situation: okay
I am a good candidate for this loan because...I have a good credit score and always pay my debts


Monthly net income: $ 700.00
Monthly expenses: $ 200.00
Housing: $
Insurance: $ 100
Car expenses: $
Utilities: $ 50
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 681044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 60 months  
 
Lender yield: 31.32% Borrower rate/APR: 32.32% / 35.10% Monthly payment: $135.17
 
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: Dec-1997 Debt/Income ratio: 9%
Credit score: 740-759 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 4Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 22 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,212Stated income:$50,000-$74,999
Delinquencies in last 7y: 25 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: impeccable-compassion212 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
Other
Purpose of loan: debt consolidation
This loan will be used to...

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


Monthly net income: $ 3,400
Monthly expenses: $ 2,500
Housing: $ 1200.00
Insurance: $ 200.00
Car expenses: $
Utilities: $ 200.00
Phone, cable, internet: $ 140.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 760.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 681986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Aug-1985 Debt/Income ratio: 45%
Credit score: 740-759 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,192Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: fascinating-order2 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off higher interest credit cards that I am only making the minimum payment on right now & will take forever to pay off.

My financial situation:
I am a good candidate for this loan because...I try my best to make sure all my bills are paid on time even though things are tight right now. Most of my current debt was aquired over the past 18-24 months while trying to help my parents out after my dad lost his job in the fall of 2010 & my mom had to retire earlier that year due to health issues.


Monthly net income: $1770
Monthly expenses: $
Housing: $0
Insurance: $125
Car expenses: $282-car payment
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $900
Other expenses: $100 (fuel, etc)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 682128
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 2 First credit line: Nov-1998 Debt/Income ratio: 44%
Credit score: 620-639 (Dec-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 15Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,362 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: dime-achievement Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 32 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
600-619 (Aug-2011)
680-699 (Sep-2009)
 
Principal balance: $1,432.77 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Business
Purpose of loan:
This loan will be used to... Will be use to pay off current prosper loan balance of 1450 and rest will be use to buy a fifth wheel hitch for my truck and to get started with a travel trailer transport company.

My financial situation: good everything is paid on time
I am a good candidate for this loan because... I have previously paid off one prosper loan and have never been late on the second prosper loan I am currently paying.


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 682460
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 7.99%  
Term: 60 months  
 
Lender yield: 22.33% Borrower rate/APR: 23.33% / 25.86% Monthly payment: $141.90
 
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: Dec-1996 Debt/Income ratio: 23%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:8y 2m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,548Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: organic-moola597 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...consolidate my debts for one low monthly payment.

My financial situation:
I am a good candidate for this loan because...
My monthly income is enough to pay for my loan and my loan payment would be lower than it is now.

Monthly net income: $2266
Monthly expenses: $
Housing: $200.00
Insurance: $105.70
Car expenses: $
Utilities: $50.00
Phone, cable, internet: $
Food, entertainment: $100.00
Clothing, household expenses: $
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 682694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 7.49%  
Term: 36 months  
 
Lender yield: 18.39% Borrower rate/APR: 19.39% / 23.12% Monthly payment: $184.27
 
Lender servicing fee: 1.00% Effective Yield*: 17.14%  
Estimated return*: 9.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-2006 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Student - College G...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,405Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: b_moradi7 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt consolidation
Hi,

I have many different credit card debts at small amounts adding to $4200. I would like to use the money from this loan to pay them off so instead of having 5-6 payments every month, only have 1 payment. Also, this will improve my credit score since many of my cards are technically considered maxed out (since they have low limits)

I have a B.S in Chemistry from Towson University and currently attend University of Maryland Baltimore, School of Dentistry. I am very responsible and in charge of my finances so you can rest assure that I will pay off this loan in time and with no issues, thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683050
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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-2008 Debt/Income ratio: 29%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 17 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $359Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: kind-commitment-bugle 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
Engagement Ring Financing
Purpose of loan: Engagement Ring Financing
This loan will be used to...Buy an engagement Ring

My financial situation: Good Credit - Full Time Employment with a Raise in March ($50,000 Annual Salary) - Low Expenses because my girlfriend and I split living costs.
I am a good candidate for this loan because...


Monthly net income: $3300
Monthly expenses: $900
Which are made up of:
Housing: $450
Insurance: $87
Car expenses: $297
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $35
Credit cards and other loans: $50
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683360
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $180.11
 
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: Nov-1998 Debt/Income ratio: 34%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 29 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,427Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: CharlieBarlyBear Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto
Purpose of loan: Consolidate
This loan will be used to consolidate my auto loan and my husband's auto loan. The cars are a 2007 Toyota Yaris with 80K mi and a Toyota Matrix with 100K miles. We don't owe too much on either car but, if I can consolidate them into one payment, then I can easily pay for my husband's medical care. He is ill, can't work, and doesn't qualify for SSDI.

I am a good candidate for this loan because I always make all my monthly payments and I intend to pay off this loan as soon as possible. Also, I will start a second job in the middle of January.

Monthly net income: $1700
Housing & Utilities: $0, I live rent-free with my mother
Insurance: $200
Car expenses: $80, gas
Phone, cable, internet: $200
Credit cards and other loans: $600
Other expenses: $240, medical
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683378
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: May-1993 Debt/Income ratio: 10%
Credit score: 640-659 (Dec-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:19y 0m
Amount delinquent: $0 Total credit lines: 12 Occupation: Social Worker
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,486Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: innocent-generosity330 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
Home improvement
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...Length and stability of employment


Monthly net income: $6,000.00
Monthly expenses:
Housing: $1,100
Insurance: $Encluded in mortgage
Car expenses: $Paid for
Utilities: $200.00
Phone, cable, internet: $175
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $150.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683396
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 0.74%  
Term: 60 months  
 
Lender yield: 8.38% Borrower rate/APR: 9.38% / 11.58% Monthly payment: $261.79
 
Lender servicing fee: 1.00% Effective Yield*: 8.30%  
Estimated return*: 7.56%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1998 Debt/Income ratio: 21%
Credit score: 800-819 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,329Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: gentle-dough5 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 pay off credit card

My financial situation:
I am a good candidate for this loan because I pay my bills on time and have great credit
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683414
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 27.99%  
Estimated return*: 11.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-2001 Debt/Income ratio: 25%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 5Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 16 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $172Stated income:$50,000-$74,999
Delinquencies in last 7y: 36 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: poetic-loyalty533 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because I have recently bought a home and have been employed by two organizations for at least three years each.


Monthly net income: $4400
Monthly expenses: $2100
Housing: $1116
Insurance: $ included in mortgage
Car expenses: $387
Utilities: $300
Phone, cable, internet: $80
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683456
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.92% Borrower rate/APR: 24.92% / 28.78% Monthly payment: $198.59
 
Lender servicing fee: 1.00% Effective Yield*: 21.90%  
Estimated return*: 10.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1994 Debt/Income ratio: 12%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 13 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $908Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: contract-sensation448 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
Redecorating and Reorganizing
Purpose of loan:to enviromentally improve living space
This loan will be used to...redecorate and enviromentally upgrade living space

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


Monthly net income: $3500
Monthly expenses: $3046
Housing: $1350
Insurance: $300
Car expenses: $336
Utilities: $100
Phone, cable, internet: $300
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $60
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683546
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $428.45
 
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-2011 Debt/Income ratio: 27%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:20y 10m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $48Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: Aloha-Crafts Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used for a business loan, to buy items and equipment to make polynesian crafts that I've been making for years. And to travel and sell at festival, concerts, conventions, luau etc. And to donate to non-profit organizations to help others.

My financial situation:
I am a good candidate for this loan because I pay my bills on time and have a high FICO score.


Monthly net income: $20436
Monthly expenses: $ 915.00
Housing: $ 625.00
Insurance: $ 0
Car expenses: $ 0
Utilities: $ 75.00
Phone, cable, internet: $ 65.00
Food, entertainment: $ 75.00
Clothing, household expenses: $ 50.00
Credit cards and other loans: $ 0
Other expenses: $ 25.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683664
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 9.75%  
Term: 36 months  
 
Lender yield: 21.72% Borrower rate/APR: 22.72% / 26.53% Monthly payment: $482.05
 
Lender servicing fee: 1.00% Effective Yield*: 20.00%  
Estimated return*: 10.25%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1994 Debt/Income ratio: 27%
Credit score: 620-639 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,198Stated income:$75,000-$99,999
Delinquencies in last 7y: 23 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: rapid-coin828 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% ) 620-639 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
740-759 (Feb-2012)
 
Principal balance: $5,831.89 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used for paying off some recent medical bills, credit card debt, and paying for wedding expenses.
My financial situation:
I am a good candidate for this loan because I have a very stable work situation and I pay bills on time. I have no loans or credit cards in delinquent status...everything is current. I have a previous loan with prosper and NEVER missed a payment. You may notice that my credit score has dropped since my last loan. This is because I didn't pay close enough attention to my student loans. I thought that they were being automatically withdrawn, but they were not...totally my fault. My credit score is back to 700 currently (although not reflected on here as of yet.) I make $75,000 per year base salary plus bonuses which will be anywhere from an additional $10,000 to $30,000 annually. I have low monthly expenses, and I will easily pay off this loan on time or sooner. I understand and appreciate peer-to-peer lending and the trust involved. I have been an investor myself and would much rather pay YOU than the credit card companies. You can invest in this loan with NO risk on your part. Thank you.


Monthly net income: $5000-$5500
Monthly expenses: $2745
Housing: $700
Insurance: $85
Car expenses: $0 (car is paid off)
Utilities: $80
Phone, cable, internet: $250
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $400
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $253.17
 
Lender servicing fee: 1.00% Effective Yield*: 20.64%  
Estimated return*: 10.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-1990 Debt/Income ratio: 5%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 0 / 0Length of status:5y 8m
Amount delinquent: $4,468 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: order-sensai2 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
Furniture and establishing credit
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2900
Monthly expenses: $
Housing: $800
Insurance: $78
Car expenses: $0
Utilities: $150
Phone, cable, internet: $89
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $391.03
 
Lender servicing fee: 1.00% Effective Yield*: 14.87%  
Estimated return*: 8.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1993 Debt/Income ratio: 20%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,809Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: justice-sorcerer2 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...

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


Monthly net income: $3200
Monthly expenses: $300
Housing: $700
Insurance: $53
Car expenses: $125

Utilities: $
Phone, cable, internet: $186
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 683958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $186.30
 
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): 9 First credit line: Oct-1999 Debt/Income ratio: 7%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 43 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,676Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: loan-mirth5 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: Consolidation/personal
This loan will be used to... consolidate and christmas expense

My financial situation:
I am a good candidate for this loan because... I have a good, steady job and my credit score is good. I have a checking account with direct deposit. I am very dependable. I have been at my current employment for more than eight years.


Monthly net income: $ 2700 and $800.00 in child support
Monthly expenses: $ 1950
Housing: $1400.00
Insurance: $
Car expenses: $ 150
Utilities: $
Phone, cable, internet: $
Food, entertainment: $ 200
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683964
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 11.25%  
Term: 60 months  
 
Lender yield: 26.59% Borrower rate/APR: 27.59% / 30.23% Monthly payment: $200.78
 
Lender servicing fee: 1.00% Effective Yield*: 24.35%  
Estimated return*: 13.10%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: May-1990 Debt/Income ratio: 21%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:17y 11m
Amount delinquent: $0 Total credit lines: 29 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,182Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: jubilant-commitment6 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
Debt consolidation
Purpose of loan:
This loan will be used to...consolidate my debt

My financial situation:
I am a good candidate for this loan because...maintain a checking and savings account and get paid every 2 weeks


Monthly net income: $3500
Monthly expenses: $
Housing: $460
Insurance: $250
Car expenses: $240
Utilities: $300
Phone, cable, internet: $75
Food, entertainment: $150
Clothing, household expenses: $150
Credit cards and other loans: $450
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683976
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.25%  
Term: 60 months  
 
Lender yield: 26.59% Borrower rate/APR: 27.59% / 30.23% Monthly payment: $123.56
 
Lender servicing fee: 1.00% Effective Yield*: 24.35%  
Estimated return*: 13.10%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-2010 Debt/Income ratio: 21%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 8 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $89Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: bold-rapid-bill Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to retrieve my vehicle out of the body shop and to build my credit.

My financial situation:
I am a good candidate for this loan because I have proven to take my debt responsibilities my number one priority. I have a history of paying back funds that I borrow.


Monthly net income: $2800
Monthly expenses: $1250
Housing: $350
Insurance: $126
Car expenses: $339
Utilities: $85
Phone, cable, internet: $35
Food, entertainment: $160
Clothing, household expenses: $0.00
Credit cards and other loans: $45
Other expenses: $90
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684012
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $18,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $12,600 Estimated loss*: 2.74%  
Term: 60 months  
 
Lender yield: 11.71% Borrower rate/APR: 12.71% / 14.99% Monthly payment: $406.89
 
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): 8 First credit line: Sep-1999 Debt/Income ratio: 10%
Credit score: 760-779 (Dec-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: economy-gala7 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:Buy Land
This loan will be used to...Buy Land

My financial situation:Excellent
I am a good candidate for this loan because...I have no bills and bring in 1236.00 From SS and 3100.00 from VA benefits.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 5.99%  
Term: 12 months  
 
Lender yield: 11.79% Borrower rate/APR: 12.79% / 18.53% Monthly payment: $267.66
 
Lender servicing fee: 1.00% Effective Yield*: 11.09%  
Estimated return*: 5.10%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1991 Debt/Income ratio: 30%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,178Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: extraordinary-rupee365 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
Other
Purpose of loan: Complete funding for a new business.
This loan will be used for operating expenses for a global Entertainment media production company that has major acts already signed and attached.

My financial situation is in great shape as I clear profits on a weekly basis.
I am a good candidate for this loan because I can guarantee a complete repayment by March if needed. Profits come in as quick as February. A vet sheet or resume of all the companies I've worked with or contracted with is available upon request. I have been in this industry since 2006. I understand what it takes to make it but I am a bit short on a once and lifetime opportunity. Any help is appreciated!


Monthly net income: $ 5000
Monthly expenses: $ 300
Housing: $ 0
Insurance: $ 0
Car expenses: $ 300
Utilities: $ 0
Phone, cable, internet: $ 0
Food, entertainment: $ 200
Clothing, household expenses: $ 0
Credit cards and other loans: $ 500
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684022
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: $15,000 Estimated loss*: 11.25%  
Term: 60 months  
 
Lender yield: 26.59% Borrower rate/APR: 27.59% / 30.23% Monthly payment: $463.33
 
Lender servicing fee: 1.00% Effective Yield*: 24.35%  
Estimated return*: 13.10%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-2002 Debt/Income ratio: 50%
Credit score: 680-699 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,925Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: vigilance-saffron4 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Credit Card Debt Consolidation
This loan will be used to... Consolidate debt on credit cards into one payment, reducing the amount owed each month while being able to pay off debt instead of just the minimum amount owed. I am working to fix the financial mistakes I made in college and shortly after graduation. With this I will be able to close of my credit accounts so that I do put myself back into this situation again.

My financial situation: Very Good
I am a good candidate for this loan because... I have never missed a payment on a card or student loan. I have a healthy cash flow level by working one full-time and one part-time job. I want to correct my financial situation and am working hard to become a more discretionary spender. Currently I work off my rent and utilities, so I have no housing expenses.


Monthly net income: $1800
Monthly expenses: $1540
Housing: $0
Insurance: $0
Car expenses: $120
Utilities: $0
Phone, cable, internet: $30
Food, entertainment: $120
Clothing, household expenses: $20
Credit cards and other loans: $700, would drop to $191 with approval
Other expenses: $550
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684046
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 10.75%  
Term: 36 months  
 
Lender yield: 23.19% Borrower rate/APR: 24.19% / 28.03% Monthly payment: $589.99
 
Lender servicing fee: 1.00% Effective Yield*: 21.26%  
Estimated return*: 10.51%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2000 Debt/Income ratio: 51%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 40 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,626Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: justice-trooper8 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684078
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 6.24%  
Term: 60 months  
 
Lender yield: 19.81% Borrower rate/APR: 20.81% / 23.28% Monthly payment: $202.10
 
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): 5 First credit line: Mar-1996 Debt/Income ratio: 26%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,137Stated income:$1-$24,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: cash-ceasar1 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
680-699 (Dec-2011)
700-719 (Oct-2011)
 
Principal balance: $2,354.35 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Debt consolidation
Purpose of loan: Debt consolidation/Home repairs
This loan will be used to pay off my old loan with prosper and get some extra to do some repairs around the house: paint, repair decks and oven.

My financial situation: Is good and getting better. I am a games dealer in a well known Casino in my area and have been in the casino business for more than 30 years
I am a good candidate for this loan because I have a loan with prosper now and I am in good standing with that loan. I have shown that I am a good man, but I could use a little more help. Thank You for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684084
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $108.57
 
Lender servicing fee: 1.00% Effective Yield*: 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: Jul-1993 Debt/Income ratio: 18%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:18y 4m
Amount delinquent: $375 Total credit lines: 13 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: sympathetic-responsibility431 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...
provide down payment for a rental property.
My financial situation:
I am a good candidate for this loan because...I do not have many debts and have good credit.

Monthly net income: $3,200
Monthly expenses: $2,452 total of expenses below
Housing: $1,575
Insurance: $208
Car expenses: $0
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $149
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684114
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $14,500 Estimated loss*: 6.74%  
Term: 60 months  
 
Lender yield: 20.53% Borrower rate/APR: 21.53% / 24.02% Monthly payment: $396.61
 
Lender servicing fee: 1.00% Effective Yield*: 19.24%  
Estimated return*: 12.50%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2001 Debt/Income ratio: 22%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 17 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,548Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: moola-magnitude5 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate debt.

My financial situation:
I am a good candidate for this loan because I have a strong, diverse history of debt repayment, particularly over the last 6 years in my current employment and income.


Monthly net income: $ 4,200.00
Monthly expenses: $No pre-existing other monthly expenses
Housing: $ 950.00
Insurance: $ 75.00 (Auto)
Car expenses: $ 250.00
Utilities: $ 275.00 (Electricity, Water and Sewage)
Phone, cable, internet: $ 200.00
Food, entertainment: $ 400.00
Clothing, household expenses: $
Credit cards and other loans: $ 450.00 (This loan would be used to pay off the balances and consolidate these debts)
Other expenses: $ No pre-existing other monthly expenses
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684138
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 1.74%  
Term: 60 months  
 
Lender yield: 9.76% Borrower rate/APR: 10.76% / 12.99% Monthly payment: $324.34
 
Lender servicing fee: 1.00% Effective Yield*: 9.56%  
Estimated return*: 7.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-2004 Debt/Income ratio: 16%
Credit score: 780-799 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 17 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,240Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: ore-hercules Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate debt

My financial situation:
I am a good candidate for this loan because I want to consolidate the debt that I piled up during the end of my studies and interview season for residency position.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684144
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,250.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $14,175 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 22.98% Borrower rate/APR: 23.98% / 26.53% Monthly payment: $582.32
 
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: Apr-1986 Debt/Income ratio: 30%
Credit score: 780-799 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:39y 9m
Amount delinquent: $0 Total credit lines: 26 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,258Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: fulfilling-integrity7 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
Great Debt Consolidation Loan!
Purpose of loan:
This loan will be used to consolidate my higher interest credit cards and loans

My financial situation:
I am a good candidate for this loan because I have good income, a lower debt to income ratio and extremely good payment history. I am just looking to get my debts paid off faster and with lower interest. I am extremely grateful to those who choose to invest in my loan. Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684310
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 20.18% Borrower rate/APR: 21.18% / 23.66% Monthly payment: $407.32
 
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-2000 Debt/Income ratio: 10%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,464Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: gain-financier2 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...

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 684334
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $149.04
 
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): 8 First credit line: Oct-2000 Debt/Income ratio: 11%
Credit score: 640-659 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:17y 6m
Amount delinquent: $0 Total credit lines: 7 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $289Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: witty-moola1 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
tax
Purpose of loan: property taxes
This loan will be used to...pay property taxes

My financial situation: have good job
I am a good candidate for this loan because...want to fix credit to buy house


Monthly net income: $3,500-4,000
Monthly expenses: $1910
Housing: $650
Insurance: $120
Car expenses: $285
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $250
Clothing, household expenses: $150
Credit cards and other loans: $30
Other expenses: $75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684340
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 10 First credit line: Aug-2004 Debt/Income ratio: 16%
Credit score: 740-759 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,612Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: penny-boomer 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 consolidate high interest credit card debt and stabilize my financial situation.

My financial situation:
I am a good candidate for this loan because I am a working professional with a documented base income of $96,000. I have chosen a monthly payment option that fits within my financial capabilities.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 684364
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 4.99%  
Term: 60 months  
 
Lender yield: 17.47% Borrower rate/APR: 18.47% / 20.88% Monthly payment: $282.15
 
Lender servicing fee: 1.00% Effective Yield*: 16.59%  
Estimated return*: 11.60%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1985 Debt/Income ratio: 36%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 8Length of status:33y 8m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,147Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: authoritative-fund0 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
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because..
My credit history and because my length of years on my job.

Monthly net income: $4.035.00
Monthly expenses: $2.752.00
Housing: $550.00
Insurance: $200.00
Car expenses: $430.00
Utilities: $200.00
Phone, cable, internet: $300.00
Food, entertainment: $375.00
Clothing, household expenses: $250.00
Credit cards and other loans: $450.00
Other expenses: $
Information in the Description is not verified.