Listing Report:Supplement No. 20 dated May 28, 2011 to Prospectus dated May 17, 2011
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated May 17, 2011 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 May 17, 2011 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 506948
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $217.74
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-2005 Debt/Income ratio: 33%
Credit score: 640-659 (May-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 18 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,576Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: balance-saxaphone2 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Financial Relief Loan
Purpose of loan:
This loan will be used to straightening out current financial situation, consolidate my many monthly payments, and create a single worry free payment that is convenient and affordable.

My financial situation:
I am a good candidate for this loan because I know what I takes to maintain a good financial plan and budget, but just made this realization later than sooner. My salary is plenty to cover the estimated monthly amount, I just need to have my finances refreshed.


Monthly net income: $3300
Monthly expenses: $2560 Approx. Total
Housing: $900
Insurance: $100
Car expenses: $400
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $60
Credit cards and other loans: $500
Other expenses: $N/A
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 507966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $489.83
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* 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): 6 First credit line: Sep-2003 Debt/Income ratio: 32%
Credit score: 700-719 (May-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 19 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,186Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: fair-compassion7 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan: Debt Consolodation
This loan will be used to combine higher interest debt into one note.

My financial situation:
I am a good candidate for this loan because my husband and I are hard working individuals with good jobs trying to create a better life for our son as well as ourselves.


Monthly net income: $4500.00
Monthly expenses: $3800.00
Housing: $641.00
Insurance: $100.00
Car expenses: $450.00
Utilities: $200.00
Phone, cable, internet: $200.00
Food, entertainment: $100.00
Clothing, household expenses: $100.00
Credit cards and other loans: $2000.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508674
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-1992 Debt/Income ratio: 30%
Credit score: 640-659 (May-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 65 Occupation: Nurse (RN)
Public records last 12m / 10y: 1/ 2 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 24 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: bid-karate Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Unified Pool League
Purpose of loan: Web start-up
This loan will be used to...complete our website development and database schema; conduct SEO

Pool leagues are an estimated $250 million annually. Our small team has over 50 years of combined experience, as Area Managers, National Referees, Tournament Directors and players.

We have hit some cost overruns due to the complexity of the database relations of our website, http://www.playUPL.com

Thanks for reading!

My financial situation: good cash flow, recent bankruptcy
I am a good candidate for this loan because...
1) monthly income can cover the payments
2) current cash reserves: $2,200
3) last year's Federal Tax refund: $4,071 - expect similar this year

Monthly net income: $5080
Monthly expenses: $3628
Housing: $1175
Insurance: $320
Car expenses: $550
Utilities: $180
Phone, cable, internet: $160
Food, entertainment: $535
Clothing, household expenses: $100
Credit cards and other loans: $208
Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508690
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 2.60%  
Term: 60 months  
 
Lender yield: 12.29% Borrower rate/APR: 13.29% / 14.66% Monthly payment: $343.53
 
Lender servicing fee: 1.00% Effective Yield*: 12.25%  
Estimated return*: 9.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-2000 Debt/Income ratio: 18%
Credit score: 680-699 (May-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 19 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,381Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: useful-ore3 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
760-779 (Aug-2010)
 
Principal balance: $5,407.63 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Out on my own!!
This loan will be used to pay off high interest credit card debt and the other Prosper loan i have!

My financial situation:
I incurred the debt moving out on my own ( not from my mom's house but out of a relationship!!!) I am gainfully employed as a financial analyst with the same company for two years and do not expect any changes in my employment for at least 3 years.

Please do not hesitate to ask questions


Monthly Budget with loan payment: $3400 take home income per month:
$486 loan payment
$900 Rent
$250 electric/cable
$100 Phone
$40 car insurance
$120 gas
$200 food
$343 new loan
$400 savings
Total spending income: $561 approximately
Thank you all for investing!!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508702
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $217.74
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2001 Debt/Income ratio: 6%
Credit score: 640-659 (May-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 6Length of status:4y 5m
Amount delinquent: $10,612 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $60Stated income:$75,000-$99,999
Delinquencies in last 7y: 53 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: ub3b143 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
Entreprur looking to increas income
Purpose of loan:
This loan will be used to...finance real estate transaction!!!

My financial situation:
I am a good candidate for this loan because...I'm an entrepreneur who understand very well about the business of real estate buying and selling, and also investing for net positive income in rental. I obtained my bachelor in Finance and Real Estate. I keep good terms with all my partners,since I'm looking for long term relationship. I do what I do, you get your yield and great return, you'll come back for more.

Monthly net income: $6000
Monthly expenses: $3000
Housing: $ 500 (share room to keep monthly low)
Insurance: $200
Car expenses: $0 (no car payment, car paid off)
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $100 (mostly eat at home)
Clothing, household expenses: $50 ( for books and tapes, no shopping at all)
Credit cards and other loans: $50 (gas payment)
Other expenses: $100 (marketing costs for my business)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508708
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 20.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 8.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-1966 Debt/Income ratio: 10%
Credit score: 640-659 (May-2011) Inquiries last 6m: 7Employment status:Other
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:9y 4m
Amount delinquent: $233 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,339Stated income:$75,000-$99,999
Delinquencies in last 7y: 13 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: fulfilling-dedication096 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
granddaughter
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508726
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 20.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 8.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-1990 Debt/Income ratio: 38%
Credit score: 660-679 (Apr-2011) Inquiries last 6m: 11Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 18Length of status:15y 5m
Amount delinquent: $0 Total credit lines: 37 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,030Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: awe-inspiring-agreement1 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Lower payment
Purpose of loan:
To pay off higher interest debt.

My financial situation:
I am a good candidate for this loan because I have never been late on a payment let alone been deliquent. I have always paid my bills. My credit scores (650s) are low right now because of numerous inquiries thanks to troubled relative. I have been at the same job for 15+ years and I can make these payments easily. I will not default! Safely invest in me. Thank you .

Monthly net income: $9000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508732
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $386.67
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 8.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1994 Debt/Income ratio: 14%
Credit score: 660-679 (May-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 58 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,691Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: magical-p2p0 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
Pay off high interest credit cards
Purpose of loan:
This loan will be used to pay off high interest credit card (25-29.99%).

My financial situation:
I am a good candidate for this loan because I make $95,000/yr and have a good standard of ethics (holds Ph.D. in mechanical engineering). I was trying to support myself while studying (undergradute to Ph.D), so I have some debt to repay. Credit card companies have increased annual interest rate/minimum payment amounts and reduced my credit limits during banking crisis period with no reasons. Like I mentioned earlier, I make enough money to pay their interests and fees but I don't want to make them richer. That's why I chose to get some loan from Prosper.com. Thanks for reading my story.


Monthly net income: $6100
Monthly expenses: $5800
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508824
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $555.98
 
Lender servicing fee: 1.00% Effective Yield*: 10.98%  
Estimated return*: 9.03%  
* 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): 9 First credit line: Jun-1964 Debt/Income ratio: Not calculated
Credit score: 840-859 (May-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 16 / 16Length of status:3y 11m
Amount delinquent: $280 Total credit lines: 34 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,051Stated income:$75,000-$99,999
Delinquencies in last 7y: 24 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: dedication-course1 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home improvement
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $244.92
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1986 Debt/Income ratio: 26%
Credit score: 640-659 (May-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 10Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 23 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,440Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: discrunner2 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Desparately need help
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508860
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 10.00%  
Term: 36 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 27.47% Monthly payment: $78.46
 
Lender servicing fee: 1.00% Effective Yield*: 22.43%  
Estimated return*: 12.43%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1995 Debt/Income ratio: 77%
Credit score: 640-659 (May-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 21Length of status:13y 8m
Amount delinquent: $0 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,863Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: lovebug2 Borrower's state: Oregon Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 45 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,200.00< 31 days late: 0 ( 0% )  
640-659 (Jul-2010)
600-619 (Mar-2008)
620-639 (Feb-2008)
620-639 (Jan-2008)
 
Principal balance: $1,633.55 31+ days late: 0 ( 0% )
Total payments billed: 45  
Description
Lovebug 2
Purpose of loan: Bill consolidation
This loan will be used to...To pay off school bill and small bills

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


Monthly net income: $y 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 509006
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $23,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $16,450 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $557.83
 
Lender servicing fee: 1.00% Effective Yield*: 13.85%  
Estimated return*: 10.05%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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: Jul-1991 Debt/Income ratio: 10%
Credit score: 780-799 (May-2011) Inquiries last 6m: 4Employment status:Other
Now delinquent: 0 Current / open credit lines: 18 / 16Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $164,672Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: beaker341 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Capital
Purpose of loan:
This loan will be used to consolidate some debt for business growth.

My financial situation:
I am a good candidate for this loan because I have excellent credit, always paid on time and history of steady income and business growth.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509012
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: B Listing Duration: 14 days
Minimum Amount to Fund: $3,675 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $184.55
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 8.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-2000 Debt/Income ratio: 9%
Credit score: 740-759 (May-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 20 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,552Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: respectful-wampum6 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Payment-
I want to pay off high interest CC's that are at about 24 percent and higher

My financial situation: Steady. I am steadily employed for eight years. I teach, coach, summer programs and tutor. I have always been employed and I have tenure so I am not endanger of layoffs or awful things like that. I have a chunk of emergency money in the bank

I recently obtained my Master's in administration so that will be a nice anticipated pay raise. Furthermore, my wife and I both will get 8000 raises this year as per our contracted salary guide. These raises will begin in September. Right now however, I would like a loan to attack some of these higher interest debts. 20,000. I am a safe loan as I have never defaulted on a loan or not been able to pay back a loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509024
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1990 Debt/Income ratio: Not calculated
Credit score: 700-719 (May-2011) Inquiries last 6m: 4Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:0y 9m
Amount delinquent: $64 Total credit lines: 13Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,143 
Delinquencies in last 7y: 7 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: cerebral-pound Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan: Home Improvements
This loan will be used to...
Complete kitchen in condo, make other necessary fixes throughout home.

My financial situation:
I am a good candidate for this loan because...
I have a part time job in construction that pay in cash and will more than pay my monthly payment while I continue my college education. This way I don't have to wait until I graduate to have working appliances in my home.

Monthly net income: $1400.00
Monthly expenses:
Housing: $375
Insurance: $200
Car expenses: $25
Utilities: $70
Phone, cable, internet: $100
Food, entertainment: $125
Clothing, household expenses: $50
Credit cards and other loans: $75
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 507403
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 20.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 8.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Apr-2006 Debt/Income ratio: 19%
Credit score: 640-659 (May-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $199Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: bizzy2nice 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
Help me renovate my basement!
I?d like this loan to do some renovations to the basement of my house in Long Island, New York. While my income allows me to obtain a loan from a bank the minimum amount they offer is $50,000 and quite frankly I don?t need that much. While searching for alternative solutions that offered smaller amounts someone told me about prosper. I took to the idea of peer-to-peer lending right away.

I believe myself to be an ideal candidate for this loan because I have a good sense of financial responsibility and possess a strong desire to build and maintain a high credit rating.

Monthly net income: $3310
Monthly expenses: $1250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 507951
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 20.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 8.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Mar-1998 Debt/Income ratio: 332%
Credit score: 700-719 (May-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,124Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: community-dreams6 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
day care
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508657
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $140.61
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 8.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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: Jul-1996 Debt/Income ratio: 37%
Credit score: 760-779 (May-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:9y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,967Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: lovely-note136 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
payoff
Purpose of loan: Medical
This loan will be used to...medical bills and a credit card for
My financial situation:
I am a good candidate for this loan because...


Monthly net income: $2200
Monthly expenses: $150
Housing: $350
Insurance: $80
Car expenses: $
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508705
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $306.15
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1994 Debt/Income ratio: 8%
Credit score: 720-739 (May-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 2 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: inventive-basis5 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
inventive-basis5
Purpose of loan: motorcycle
This loan will be used to...buy a motorcycle

My financial situation: prosperity bank
I am a good candidate for this loan because...i have a good income with low expenses


Monthly net income: $2400
Monthly expenses: 1230
Housing: $400
Insurance: $80
Car expenses: $0
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508707
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $322.47
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Aug-1993 Debt/Income ratio: 28%
Credit score: 640-659 (May-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:26y 4m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,792Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: carwshpro Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 32 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
580-599 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Business Loan
Purpose of loan:
I am requesting this loan to start a business that I have been involved in for the last 28 years. I would like to get a mobile wash truck running. I have already been lining up customers and need this loan to help put some necessary equipment. I would like to use the money to buy a steam machine and other items which will help me be green by only using steam to clean the cars, instead of using 6 to 8 gallons of water on a car like most mobile washes do. I have been running a full service car wash and detail shop, which also have a mobile unit for the past 28 years and have developed many accounts in the area that would love to bring their business to me. I feel with this loan I can open help me get necessary equipment needed. Also I have obtained a loan from prosper before and paid the loan in full with no problems with my payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508741
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 20.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 8.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Aug-1990 Debt/Income ratio: 12%
Credit score: 640-659 (May-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 7 Current / open credit lines: 1 / 1Length of status:1y 2m
Amount delinquent: $6,874 Total credit lines: 12 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: wealth-onator7 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan
Purpose of loan:
This loan will be used to...pay for car

My financial situation: Woodforest National Bank
I am a good candidate for this loan because...My rent and utilities are low due to roommates,so i can afford the payments of the loan.


Monthly net income: $1200
Monthly expenses: $
Housing: $277.00
Insurance: $76.00
Car expenses: $
Utilities: $50.00
Phone, cable, internet: $50.00
Food, entertainment: $100.00
Clothing, household expenses: $20.00
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508753
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 10.00%  
Term: 60 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 29.37% Monthly payment: $457.94
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 15.34%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2006 Debt/Income ratio: 45%
Credit score: 680-699 (May-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,922Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: SecFor2005 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: 0 / 1 On-time: 31 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
660-679 (Aug-2009)
640-659 (Jul-2008)
580-599 (Feb-2008)
520-539 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Home Improvement and Credit Card
Purpose of loan: Pay of Credit Cards and by stuff for the house


My financial situation: Good
I am a good candidate for this loan because, This will be my second loan with Prosper. (Other one is paid off), I pay my bills on time and I have had no problem doing it. This will also help me have one person to pay instead of Multi, allow me to cut up some cards and add some improvements to my house. If you take a chance on me, you will not regret it.


Monthly net income: $ 2200-2500
Monthly expenses: $ 1800-2100
Housing: $ 801.00
Insurance: $ 143.00
Car expenses: $ 200 (Gas) (Two Cars)
Utilities: $100-120
Phone, cable, internet: $ 100.00
Food, entertainment: $ 200
Credit cards and other loans: $400-500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 508827
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $193.48
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: May-1981 Debt/Income ratio: 54%
Credit score: 620-639 (May-2011) Inquiries last 6m: 5Employment status:Other
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:5y 8m
Amount delinquent: $226 Total credit lines: 20Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,111 
Delinquencies in last 7y: 3 Bankcard utilization: 134%  
   Homeownership: Yes  
Screen name: tommytoes Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 52 ( 100% ) 620-639 (Latest)
Principal borrowed: $7,400.00< 31 days late: 0 ( 0% )  
660-679 (Nov-2009)
660-679 (May-2008)
660-679 (Mar-2008)
660-679 (Feb-2008)
 
Principal balance: $2,115.70 31+ days late: 0 ( 0% )
Total payments billed: 52  
Description
Tying up Loose Ends
Purpose of loan: Debt consolidation
This loan will be used to... we want to pay off our bills.

My financial situation: Retired with a pension & Social Security Disability.
I am a good candidate for this loan because... We paid off a Prosper Loan never being late!


Monthly net income: $4753 (this includes my wife's income) her extra is- $1500 summer and $450 from classes she teaches.
Monthly expenses:
Housing: $1887 (house payment - property taxes)
Insurance: $ 582 (car & homeowners)
Car expenses: $312
Utilities: $190 electric, 50 water, 25 sewer, 25 trash
Phone, cable, internet: $130 cell (no landline)
70 internet, 60 DISH TV
Food, entertainment: $200 groceries
Clothing, household expenses: $ 50
Credit cards and other loans: $150 credit cards, 250 vinyl siding , 137 Prosper (paid off 12-12) 195 private loan

Other expenses: Thats about it...we rarely go out
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509021
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $326.55
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* 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): 7 First credit line: Jul-1998 Debt/Income ratio: 13%
Credit score: 700-719 (May-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 6Length of status:2y 4m
Amount delinquent: $30 Total credit lines: 21 Occupation: Homemaker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,107Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: moola-poplar5 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
business planning
Purpose of loan: starting business
This loan will be used to... help file all paperwork

My financial situation:
I am a good candidate for this loan because...
I have been working all my life. kids are gone and want to do something for me

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 509027
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 20.30%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 8.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-2003 Debt/Income ratio: 14%
Credit score: 660-679 (May-2011) Inquiries last 6m: 12Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:2y 1m
Amount delinquent: $3,665 Total credit lines: 10 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,408Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: alluring-fund9 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509033
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $281.22
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 8.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1985 Debt/Income ratio: 6%
Credit score: 760-779 (May-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:22y 10m
Amount delinquent: $0 Total credit lines: 14 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: benjamins-american0 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
Queensdog
Purpose of loan: Pay off debts
This loan will be used to...

My financial situation: is good. A little overextended at the moment
I am a good candidate for this loan because...
I am employed full time in an upper level management position

Monthly net income: $ 5000.00
Monthly expenses: $2200.
Housing: $1350.
Insurance: $0
Car expenses: $0
Utilities: $ 80.
Phone, cable, internet: $ 150.
Food, entertainment: $ 400.
Clothing, household expenses: $ 200
Credit cards and other loans: $ 0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509045
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $130.65
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2004 Debt/Income ratio: Not calculated
Credit score: 660-679 (May-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 10 / 8Length of status:0y 2m
Amount delinquent: $30 Total credit lines: 18Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,112 
Delinquencies in last 7y: 0 Bankcard utilization: 102%  
   Homeownership: No  
Screen name: worldly-payment799 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
nabielin
Purpose of loan:
This loan will be used to pay off bills till I start my new job in July 2011

My financial situation:
I am a good candidate for this loan because I have a start date for my future employer.


Monthly net income: $0.00
Monthly expenses: $1250
Housing: $400
Insurance: $65
Car expenses: $172
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $250
Clothing, household expenses: $30
Credit cards and other loans: $389
Other expenses: $0.00
Information in the Description is not verified.