Listing Report:Supplement No. 26 dated Jan 23, 2013 to Prospectus dated Jan 09, 2013
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-182599
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Jan 09, 2013 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 Jan 09, 2013 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 694213
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 13.25%  
Term: 36 months  
 
Lender yield: 26.86% Borrower rate/APR: 27.86% / 31.79% Monthly payment: $165.15
 
Lender servicing fee: 1.00% Effective Yield*: 24.47%  
Estimated return*: 11.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-2005 Debt/Income ratio: 36%
Credit score: 620-639 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,600Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: kindness-oak2 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 6 ( 100% ) 620-639 (Latest)
Principal borrowed: $8,500.00< 31 days late: 0 ( 0% )  
640-659 (May-2012)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...payoff one of my unexpected medical bill

My financial situation:
I am a good candidate for this loan because...earlier I have taken loan from prosper and paid off on time. I have a good job which will make me to pay every month on time.


Monthly net income: $ 4300
Monthly expenses:
Housing: $700
Insurance: $150
Car expenses: $50
Utilities: $200
Phone, cable, internet: $ 50
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $ 1000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 701245
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 4.49%  
Term: 36 months  
 
Lender yield: 13.14% Borrower rate/APR: 14.14% / 17.75% Monthly payment: $136.98
 
Lender servicing fee: 1.00% Effective Yield*: 12.52%  
Estimated return*: 8.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-2002 Debt/Income ratio: 9%
Credit score: 700-719 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 12Length of status:0y 8m
Amount delinquent: $102,959 Total credit lines: 20 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,941Stated income:$100,000+
Delinquencies in last 7y: 12 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: skillful-dollar3 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
Property Purchase
Purpose of loan:
This loan will be used to help fund the purchase of an investment/rental property in Miami/Fort Lauderdale.

My financial situation:
I am a good candidate for this loan because I have a full time position as a senior engineer \ and I also have a partnership in another engineering design and manufacturing firm. I'm stable.


Monthly net income: $7000
Monthly expenses: $
Housing: $950
Insurance: $150
Car expenses: $0
Utilities: $55
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $85
Other expenses: $300 (student loan)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 701293
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 15.75%  
Term: 36 months  
 
Lender yield: 30.34% Borrower rate/APR: 31.34% / 35.36% Monthly payment: $172.76
 
Lender servicing fee: 1.00% Effective Yield*: 27.60%  
Estimated return*: 11.85%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1993 Debt/Income ratio: 87%
Credit score: 680-699 (Jan-2013) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,152Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: autonomous-worth510 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off bills

My financial situation:
I am a good candidate for this loan because... I am an honest person and simply need some extra at this time.


Monthly net income: $ 877.00
Monthly expenses: $
Housing: $ 318.00
Insurance: $ 42.16 car insurance
Car expenses: $ 0.00 My sons take care of this expense
Utilities: $ 160.00
Phone, cable, internet: $ 79.99
Food, entertainment: $ 0.00 My sons take care of this expense
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 702725
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 13.25%  
Term: 36 months  
 
Lender yield: 26.86% Borrower rate/APR: 27.86% / 31.79% Monthly payment: $165.15
 
Lender servicing fee: 1.00% Effective Yield*: 24.47%  
Estimated return*: 11.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: May-1991 Debt/Income ratio: 20%
Credit score: 640-659 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:18y 0m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $168Stated income:$25,000-$49,999
Delinquencies in last 7y: 27 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: tremendous-p2p5 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:
To puchase much needed furniture and appliances.

My financial situation:
In 2010 I went through a divorce and bankruptcy. My ex husband put us in a great deal of debt without my knowledge. It was a tough lesson to learn. Since then I have worked hard not to repeat past mistakes and to re-establish my credit and my good name. I have two credit cards which I pay in full every month, and a car payment with over a year of on time payments now. I've been employed with the same company since 1995. I've decided to apply for this loans since it is needed, I can afford the payments and it's another way to rebuild my credit. I welcome any and all questions and thank you for your consideration.


Monthly net income: $2,493
Monthly expenses (total): $1,655
Housing: $325
Health Insurance: $400
Car expenses (payment, insurance, gas): $360
Utilities: $45
Phone, cable, internet: $50
Food, entertainment: $300
Clothing, household expenses: $125
Credit cards and other loans: $0
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 702941
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: C Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 8.74%  
Term: 36 months  
 
Lender yield: 20.24% Borrower rate/APR: 21.24% / 25.01% Monthly payment: $415.78
 
Lender servicing fee: 1.00% Effective Yield*: 18.73%  
Estimated return*: 9.99%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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: Jul-2002 Debt/Income ratio: 39%
Credit score: 660-679 (Jan-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 10Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 53 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,106Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: authoritative-basis97 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: 0 / 1 On-time: 4 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
680-699 (Feb-2012)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
Debt consolidation
Purpose of loan: Debt Consolidation
This loan will be used to...
Payoff and close all open lines of revolving credit
My financial situation: good
I am a good candidate for this loan because...
I consistently pay on time on all outstanding debt and household bills


Monthly net income: $6,200
Monthly expenses: $
Housing: $750
Insurance: $175
Car expenses: $420
Utilities: $400
Phone, cable, internet: $340
Food, entertainment: $450
Clothing, household expenses: $250
Credit cards and other loans: $600
Other expenses: $
Tuition for school- 487
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 702971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 9.75%  
Term: 36 months  
 
Lender yield: 21.72% Borrower rate/APR: 22.72% / 26.53% Monthly payment: $115.69
 
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): 5 First credit line: Sep-1995 Debt/Income ratio: 29%
Credit score: 760-779 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:16y 8m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $926Stated income:$75,000-$99,999
Delinquencies in last 7y: 6 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: kind-stable-p2ploan Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Household exp
Purpose of loan:
This loan will be used to...Rebuild our furnace

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


Monthly net income: $5000
Monthly expenses: $2250
Housing: $2100
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 703013
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: AA Listing Duration: 14 days
Minimum Amount to Fund: $14,500 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $456.99
 
Lender servicing fee: 1.00% Effective Yield*: 7.23%  
Estimated return*: 5.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-2000 Debt/Income ratio: 17%
Credit score: 760-779 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 26 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,038Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: octupul Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 34 ( 100% ) 760-779 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
800-819 (Apr-2010)
700-719 (Sep-2007)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Debt consolidation
Purpose of loan: Consolidating debt that has spread out over a few different sources due to some home repair and other like incidents

My financial situation:
4 years and same job and have used prosper before for personal loan with high rating and no missed payments
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703055
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,900.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $9,730 Estimated loss*: 3.49%  
Term: 12 months  
 
Lender yield: 8.05% Borrower rate/APR: 9.05% / 12.78% Monthly payment: $1,215.90
 
Lender servicing fee: 1.00% Effective Yield*: 7.73%  
Estimated return*: 4.24%  
* 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): 8 First credit line: Jan-1989 Debt/Income ratio: 27%
Credit score: 680-699 (Jan-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 15 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,079Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: stylish-capital9 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 680-699 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2012)
 
Principal balance: $11,083.49 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
reduce interest rate
Purpose of loan:
This loan will be used to payoff existing Prosper loan reducing interest rate

My financial situation:
I am a good candidate for this loan because I have reduced my overall debt and paid off all credit cards boat loans and car loans
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703079
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: B Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 5.24%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 19.24% Monthly payment: $436.94
 
Lender servicing fee: 1.00% Effective Yield*: 13.82%  
Estimated return*: 8.58%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-1996 Debt/Income ratio: 33%
Credit score: 680-699 (Jan-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:12y 6m
Amount delinquent: $0 Total credit lines: 18 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $63,222Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: tough-durability0 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2012)
 
Principal balance: $3,241.77 31+ days late: 0 ( 0% )
Total payments billed: 10  
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 reduced my debt by over 20,000 last year and my yearly income has risen by almost 15,000


Monthly net income: $6000
Monthly expenses: 600
Housing: $1100
Insurance: $150
Car expenses: $100
Utilities: $230
Phone, cable, internet: $130
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $2250
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703205
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 6.99%  
Term: 36 months  
 
Lender yield: 17.64% Borrower rate/APR: 18.64% / 22.35% Monthly payment: $218.85
 
Lender servicing fee: 1.00% Effective Yield*: 16.49%  
Estimated return*: 9.50%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-1980 Debt/Income ratio: 13%
Credit score: 700-719 (Jan-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:38y 1m
Amount delinquent: $0 Total credit lines: 39 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,095Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: revenue-banshee6 Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Other
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703235
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: AA Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 1.49%  
Term: 36 months  
 
Lender yield: 7.14% Borrower rate/APR: 8.14% / 9.48% Monthly payment: $785.02
 
Lender servicing fee: 1.00% Effective Yield*: 7.01%  
Estimated return*: 5.52%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Feb-1999 Debt/Income ratio: 31%
Credit score: 780-799 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 22 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,778Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: Yes  
Screen name: phenomenal-basis099 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay credit card debt.

My financial situation:
I am a good candidate for this loan because I have excellent credit score, 8 years with same employer, and excellent income($60k plus).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703327
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,250.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,675 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $200.47
 
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): 9 First credit line: Jan-2004 Debt/Income ratio: 16%
Credit score: 640-659 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 8 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,166Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: interest-walnut 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
Baby Loan - House burned
Purpose of loan:
This loan will be used to cver some basic newborn needs. My first child is on the way and due February 16th. I have $1,000 invested in prosper, a $20,000 401k, a broker acount with $4,000, and $3000 in savings. I have an emergency savings account, along with a baby savings...... but my home (with my unopened baby furniture) burned down on January 17th. I have renters insurance(50k policy), but need to tap my savings etc to sign a new lease somewhere else, along with purchasing new baby furniture. I can expense the replaced items to my insurance policy, but am wanting to take out this loan to assure I have sufficient funds for any unaccounted for expenses over the next month. I am a salaried professional who makes $44,000 annually. I was recently promoted and am being groomed for my next position in 12months which should be a $60,000+ position. I do not live above my means, and make sure to invest, and contribute to my savings. Any negative marks on my credit history are from roughly 6 years ago when I was 21.... and dumb with my credit/investing/living. My net income is based after 401k and health/vision/dental reductions. I will probably pay this loan off in an 18month period.

Thank you for taking the time to read this. Any questions you can ask.

My financial situation:



Monthly net income: $2750
Monthly expenses: $ 1900 - 2000
Housing: $875
Insurance(car/renters): $ 65
Car expenses(payment/gas): $ 500
Utilities: $
Phone, cable, internet: $ 145
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703495
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 3.74%  
Term: 36 months  
 
Lender yield: 11.49% Borrower rate/APR: 12.49% / 15.32% Monthly payment: $83.62
 
Lender servicing fee: 1.00% Effective Yield*: 11.02%  
Estimated return*: 7.28%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1984 Debt/Income ratio: 19%
Credit score: 740-759 (Jan-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,467Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: liberty-fiesta3 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto
Purpose of loan:
Purchase a Lincoln Mark VIII

My financial situation:
I am a good candidate for this loan because...
I never been a day late on any payment in my life. I use credit responsibly and have more than enough income to cover my debt service. I just successfully refinanced my home, reducing my payment by $500 per month. I have plenty of equity in my home and have been in the same line of work for 16 years. I would easily qualify for a bank loan to cover this purchase but the vehicle does not conform because it is a classic, I could use a credit card but the prosper rate is about the same and I would like to give P2P lending a try.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703627
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $17,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 2.99%  
Term: 36 months  
 
Lender yield: 9.89% Borrower rate/APR: 10.89% / 13.70% Monthly payment: $572.02
 
Lender servicing fee: 1.00% Effective Yield*: 9.56%  
Estimated return*: 6.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1993 Debt/Income ratio: 26%
Credit score: 800-819 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 38 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,698Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: return-pinnacle664 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to payoff high interest rate credit cards. Credit card usage was due to the recent economic slowdown over the last few years. We want to have this paid off in a short amount of time.

My financial situation:
I am a good candidate for this loan because I have been employeed without interuption. In addition, I hold a bachelors degree which provides me an advantage in the job market.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703941
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 3.24%  
Term: 36 months  
 
Lender yield: 10.53% Borrower rate/APR: 11.53% / 14.35% Monthly payment: $148.46
 
Lender servicing fee: 1.00% Effective Yield*: 10.15%  
Estimated return*: 6.91%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-2003 Debt/Income ratio: 13%
Credit score: 720-739 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 11 Occupation: Biologist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,006Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: productive-auction421 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
Baby & Adoption Loans
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 704115
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 6.24%  
Term: 36 months  
 
Lender yield: 16.34% Borrower rate/APR: 17.34% / 21.03% Monthly payment: $537.33
 
Lender servicing fee: 1.00% Effective Yield*: 15.36%  
Estimated return*: 9.12%  
* 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): 4 First credit line: Apr-1995 Debt/Income ratio: 21%
Credit score: 760-779 (Jan-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 41 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,710Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: blazing-benjamins6 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:
To combine two debt loans.

My financial situation:
I am a good candidate for this loan because I pay on time each month, and pay extra towards the payment. I'm trying to pay down my debts within the next three years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 704119
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 7.24%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.71% Monthly payment: $549.76
 
Lender servicing fee: 1.00% Effective Yield*: 16.79%  
Estimated return*: 9.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-2000 Debt/Income ratio: 14%
Credit score: 680-699 (Jan-2013) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 5Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 22 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,108Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: No  
Screen name: unbelievable-transparency2 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
Other
Purpose of loan:
I am using the money to start working on a stand alone business venture. The last 5 years of my career have been spent operating a debt settlement business, I understand how to acquire customers and I am looking to invest in direct mail marketing as well as some sponsored headline advertising. Using charge cards to fund the project isn't a viable idea.

My financial situation:
I am a good candidate for this loan because... I make enough money to service the loan and I have a clear idea of what I am going to do with the money.


Monthly net income: $7,500
Monthly expenses: $6,000
Housing: $1400
Insurance: $320
Car expenses: $650
Utilities: $200
Phone, cable, internet: $300
Food, entertainment: $600
Clothing, household expenses: $
Credit cards and other loans: $1,000
Other expenses: $2030
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 704191
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 1.24%  
Term: 12 months  
 
Lender yield: 5.15% Borrower rate/APR: 6.15% / 7.09% Monthly payment: $2,153.38
 
Lender servicing fee: 1.00% Effective Yield*: 5.07%  
Estimated return*: 3.83%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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: Sep-1998 Debt/Income ratio: 17%
Credit score: 780-799 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 17 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,439Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: determined-bonus2 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...help payoff the cost off completing a home.

My financial situation:
I am a good candidate for this loan because I have excellent credit and have an annual salary of almost 10 times the amount requested.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 704251
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: $5,000 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $157.58
 
Lender servicing fee: 1.00% Effective Yield*: 7.23%  
Estimated return*: 5.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-1999 Debt/Income ratio: 18%
Credit score: 760-779 (Jan-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:9y 6m
Amount delinquent: $0 Total credit lines: 17 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,797Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: exact-principal220 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 760-779 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
700-719 (Dec-2011)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Debt Payoff - Lower Rates
Purpose of loan:
This loan will be used to... lower interest rates on credit debt

My financial situation:
I am a good candidate for this loan because... i have an excellent payment history, solid income and steady employment in an in-demand field.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 697566
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $24,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $17,150 Estimated loss*: 7.74%  
Term: 60 months  
 
Lender yield: 21.95% Borrower rate/APR: 22.95% / 25.47% Monthly payment: $689.96
 
Lender servicing fee: 1.00% Effective Yield*: 20.44%  
Estimated return*: 12.70%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1990 Debt/Income ratio: 26%
Credit score: 700-719 (Jan-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,465Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: enthusiastic-fund049 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: Debet Consolidation
This loan will be used to...Pay off loans and credit cards .To reduce monthly payments.

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


Monthly net income: $ 2600.00
Monthly expenses: $ 2300.00 Housing: $800.00 all inluding
Insurance: $ 141.00
Car expenses: $ 100.00
Utilities: $
Phone, cable, internet: $98.00
Food, entertainment: $ 125.00
Clothing, household expenses: $
Credit cards and other loans: $1018.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 697638
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 12.25%  
Term: 36 months  
 
Lender yield: 25.39% Borrower rate/APR: 26.39% / 30.29% Monthly payment: $161.99
 
Lender servicing fee: 1.00% Effective Yield*: 23.18%  
Estimated return*: 10.93%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Sep-1998 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:23y 0m
Amount delinquent: $0 Total credit lines: 24 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,540Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: enthralling-balance169 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...


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 701972
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,890.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $5,523 Estimated loss*: 0.99%  
Term: 12 months  
 
Lender yield: 4.86% Borrower rate/APR: 5.86% / 6.80% Monthly payment: $678.56
 
Lender servicing fee: 1.00% Effective Yield*: 4.80%  
Estimated return*: 3.81%  
* 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): 10 First credit line: Dec-1992 Debt/Income ratio: 13%
Credit score: 820-839 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,904Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: Yes  
Screen name: Nickle-Back Borrower's state: Utah Borrower's group: Socorro Capital Partners
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 820-839 (Latest)
Principal borrowed: $20,500.00< 31 days late: 0 ( 0% )  
840-859 (May-2012)
 
Principal balance: $17,105.74 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Auto purchase
Purpose of loan: Working over seas (middle east)...need to purchase a car, as opposed to paying exorbitant amount in leasing from the rental company. (Options are very limited here)
This loan will be used to...buy the car I just mentioned a need for above. Will be purchasing a used vehicle, in as excellent condition as possible of course.

My financial situation: Excellent credit, simply don't have the free cash at this time to facilitate a more frugal automobile situation.
I am a good candidate for this loan because...I always pay my bills, on time!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 8.24%  
Term: 60 months  
 
Lender yield: 22.59% Borrower rate/APR: 23.59% / 26.13% Monthly payment: $142.65
 
Lender servicing fee: 1.00% Effective Yield*: 20.97%  
Estimated return*: 12.73%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1984 Debt/Income ratio: 13%
Credit score: 660-679 (Jan-2013) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,740Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: blessed4sure Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 53 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
640-659 (Jun-2011)
620-639 (Nov-2009)
540-559 (Jan-2008)
 
Principal balance: $1,178.24 31+ days late: 0 ( 0% )
Total payments billed: 53  
Description
Debt consolidation
Purpose of loan: Combined bills and moving costs
This loan will be used to...
Pay off a few small credit cards, plus the balance of my current Prosper account, and cover moving costs.
My financial situation:
I have had two prior loans through Prosper, one closed loan - paid off in full, and one current loan in good standing.

Monthly net income: $ 2,700
Monthly expenses: $
Housing: $ 900
Insurance: $ 80
Car expenses: $ 350
Utilities: $ 200
Phone, cable, internet: $ 110
Food, entertainment: $ 300
Clothing, household expenses: $ 100
Credit cards and other loans: $ 250
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703296
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $194.75
 
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): 4 First credit line: May-1994 Debt/Income ratio: 3%
Credit score: 680-699 (Jan-2013) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:5y 6m
Amount delinquent: $30 Total credit lines: 23 Occupation: Military Officer
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $4,138Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: reasonable-p2p088 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
Medical/Dental
Purpose of loan:
This loan will be used to...pay off medical bills and catch up making 1 late mortgage payments

My financial situation:
I am a good candidate for this loan because...I fully employed. I have 1 million dollars in assets.


Monthly net income: $ 9999.00
Monthly expenses: $3500.00
Housing: $2397.00
Insurance: $200.00
Car expenses: $300.00
Utilities: $100.00
Phone, cable, internet: $150.00
Food, entertainment: $500.00
Clothing, household expenses: $0.00
Credit cards and other loans: $250.00
Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703428
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 12.75%  
Term: 36 months  
 
Lender yield: 26.12% Borrower rate/APR: 27.12% / 31.03% Monthly payment: $163.56
 
Lender servicing fee: 1.00% Effective Yield*: 23.82%  
Estimated return*: 11.07%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Feb-1998 Debt/Income ratio: 19%
Credit score: 680-699 (Jan-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 15 / 16Length of status:2y 8m
Amount delinquent: $1,778 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 1/ 4 Revolving credit balance: $2,060Stated income:$75,000-$99,999
Delinquencies in last 7y: 36 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: telescope078 Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Other
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703728
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $11,500 Estimated loss*: 5.74%  
Term: 60 months  
 
Lender yield: 18.82% Borrower rate/APR: 19.82% / 22.26% Monthly payment: $303.53
 
Lender servicing fee: 1.00% Effective Yield*: 17.77%  
Estimated return*: 12.03%  
* 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: Aug-2006 Debt/Income ratio: 23%
Credit score: 720-739 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,312Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: courageous-money810 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...Consolidate debt for myself and my fianc?. We would like to consolidate our finances so we may work towards purchasing our own home.

My financial situation:
I am a good candidate for this loan because...I have no late payments on my credit history. I am simply trying to consolidate my debt.

Monthly net income: $2100
Housing: $300
Insurance: $90
Car expenses: $50 *gas*
Utilities: $0
Phone, cable, internet: $80
Food, entertainment: $200
All other bills would be consolidated into this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703818
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 3.99%  
Term: 60 months  
 
Lender yield: 15.28% Borrower rate/APR: 16.28% / 18.64% Monthly payment: $440.41
 
Lender servicing fee: 1.00% Effective Yield*: 14.64%  
Estimated return*: 10.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1997 Debt/Income ratio: 19%
Credit score: 720-739 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:11y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,736Stated income:$100,000+
Delinquencies in last 7y: 5 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: sharp-deal751 Borrower's state: Wyoming Borrower's group: N/A
Credit and homeownership information was obtained from 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...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703908
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 2.99%  
Term: 60 months  
 
Lender yield: 12.46% Borrower rate/APR: 13.46% / 15.75% Monthly payment: $114.95
 
Lender servicing fee: 1.00% Effective Yield*: 12.05%  
Estimated return*: 9.06%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: May-1990 Debt/Income ratio: 14%
Credit score: 700-719 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 8Length of status:6y 2m
Amount delinquent: $1,148 Total credit lines: 20 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,753Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: immaculate-deal017 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 15 ( 100% ) 700-719 (Latest)
Principal borrowed: $18,000.00< 31 days late: 0 ( 0% )  
720-739 (Apr-2012)
720-739 (Sep-2011)
 
Principal balance: $10,830.56 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate my credit cards and pay a few months of mortgage

My financial situation:
I am a good candidate for this loan because I am graduating at UConn MBA and will get a promotion at my current employer in April. This loan will act as a buffer until then.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 703968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 2.99%  
Term: 36 months  
 
Lender yield: 9.89% Borrower rate/APR: 10.89% / 13.70% Monthly payment: $490.30
 
Lender servicing fee: 1.00% Effective Yield*: 9.56%  
Estimated return*: 6.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1994 Debt/Income ratio: 36%
Credit score: 760-779 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 49 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $117,877Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: newest-generosity-performer Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card consolidation
Purpose of loan:
This loan will be used to.consolidate a few high interest credit cards so those balances would no longer be on my account.

I am a good candidate for this loan because I always pay my bills on time and have excellent credit.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 704002
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 3.24%  
Term: 60 months  
 
Lender yield: 13.21% Borrower rate/APR: 14.21% / 16.52% Monthly payment: $467.55
 
Lender servicing fee: 1.00% Effective Yield*: 12.74%  
Estimated return*: 9.50%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-1998 Debt/Income ratio: 19%
Credit score: 780-799 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 28 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,547Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: ranch960 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
Taxes
Purpose of loan:
This loan will be used to pay my income taxes and consolidate debt occurred from my divorce.

My financial situation:
I am a good candidate for this loan because I always make my payments on time and take pride in making sure that my bills are paid.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 704062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 8.74%  
Term: 60 months  
 
Lender yield: 23.15% Borrower rate/APR: 24.15% / 26.70% Monthly payment: $288.55
 
Lender servicing fee: 1.00% Effective Yield*: 21.43%  
Estimated return*: 12.69%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1995 Debt/Income ratio: 14%
Credit score: 700-719 (Jan-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 35 Occupation: Fireman
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,475Stated income:$75,000-$99,999
Delinquencies in last 7y: 5 Bankcard utilization: 53%  
   Homeownership: No  
Screen name: fairnessarella1 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 debt

My financial situation: Centennial Bank
I am a good candidate for this loan because...pay debts on time


Monthly net income: $5024
Monthly expenses: $ 3600
Housing: $ 850
Insurance: $ 75
Car expenses: $
Utilities: $ 170
Phone, cable, internet: $ 75
Food, entertainment: $ 300
Clothing, household expenses: $ 100
Credit cards and other loans: $ 180
Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 704130
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 6.24%  
Term: 36 months  
 
Lender yield: 16.34% Borrower rate/APR: 17.34% / 21.03% Monthly payment: $179.11
 
Lender servicing fee: 1.00% Effective Yield*: 15.36%  
Estimated return*: 9.12%  
* 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): 4 First credit line: Aug-1994 Debt/Income ratio: 23%
Credit score: 740-759 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,420Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: agile-point042 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home & Auto Repairs
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 704134
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $558.91
 
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): 4 First credit line: Jun-1994 Debt/Income ratio: 42%
Credit score: 720-739 (Jan-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 13 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,398Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: wise-money-hawk Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off credit card debt.

My financial situation:
I am a good candidate for this loan because I am wanting to consolidate by debt under one monthly low payment.


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 704182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 12.75%  
Term: 60 months  
 
Lender yield: 28.62% Borrower rate/APR: 29.62% / 32.32% Monthly payment: $128.48
 
Lender servicing fee: 1.00% Effective Yield*: 26.10%  
Estimated return*: 13.35%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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: Jan-1966 Debt/Income ratio: 5%
Credit score: 780-799 (Jan-2013) Inquiries last 6m: 4Employment status:Other
Now delinquent: 4 Current / open credit lines: 6 / 6Length of status:23y 0m
Amount delinquent: $11,695 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $148Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: orderly-hope90 Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from 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... Replacement of furnace and unexpected necessary car repairs.

My financial situation:
I am a good candidate for this loan because... these were unexpected and once paid can get back on budget.


Monthly net income: $4059.
Monthly expenses: $3780..
Housing: $1662.
Insurance: $514.
Car expenses: $100.
Utilities: $300.
Phone, cable, internet: $141.
Food, entertainment: $84.
Clothing, household expenses: $
Credit cards and other loans: $500.
Other expenses: $200.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 704242
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 12.25%  
Term: 36 months  
 
Lender yield: 25.39% Borrower rate/APR: 26.39% / 30.29% Monthly payment: $161.99
 
Lender servicing fee: 1.00% Effective Yield*: 23.18%  
Estimated return*: 10.93%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Feb-2002 Debt/Income ratio: 21%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 11 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $408Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: investment-wasp6 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 Expenses and Consolidation
Purpose of loan:

I will be using the loan to cover new childcare expenses and to pay off other obligations to consolidate everything into an easier to manage payment. I also want to build up my credit and establish myself in a positive financial manner.

My financial situation:
I am a good candidate for this loan because I am very financially stable and have little other revolving debt. I just need a small loan to pay off some higher interest debts.

Monthly net income: $4000
Housing: $950
Insurance: $120
Car expenses: $440
Utilities: $90
Phone, cable, internet: $85
Food, entertainment: $200
Clothing, household expenses: $400
Credit cards and other loans: $600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 704254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 3.74%  
Term: 36 months  
 
Lender yield: 11.49% Borrower rate/APR: 12.49% / 15.32% Monthly payment: $267.59
 
Lender servicing fee: 1.00% Effective Yield*: 11.02%  
Estimated return*: 7.28%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-2000 Debt/Income ratio: 25%
Credit score: 700-719 (Jan-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,128Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: Yes  
Screen name: silver-omatic5 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2011)
 
Principal balance: $1,936.60 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
Other
Purpose of loan:
This loan will be for making home improvements.

My financial situation:
I am a good candidate for this loan because I pay my debts on time (see Current Prosper loan) and I am a God fearing, hard working, family man attempting to improve my family's living conditions.
Information in the Description is not verified.