Listing Report:Supplement No. 5 dated Jun 26, 2011 to Prospectus dated Jun 23, 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 Jun 23, 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 Jun 23, 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 501475
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.60%  
Term: 60 months  
 
Lender yield: 12.29% Borrower rate/APR: 13.29% / 14.66% Monthly payment: $572.55
 
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): 7 First credit line: Aug-1990 Debt/Income ratio: 47%
Credit score: 800-819 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 31 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,662Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: Engrrob Borrower's state: DistrictOfColumbia Borrower's group: Foolish Loans
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% ) 800-819 (Latest)
Principal borrowed: $8,600.00< 31 days late: 0 ( 0% )  
820-839 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate several high interest credit card accounts into one LOWER monthly payment.

$13K @ 24.5% Macy's - I will close this account.
$10K with AmEx + $2K with Citibank

My financial situation:
I am a good candidate for this loan because the monthly payment will be less than what I send Macy's every month. I will be able to pay off several cards with what I am sending only one card. This is because the interest rate on this loan is much lower than Macy's account.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509339
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $304.84
 
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-2008 Debt/Income ratio: 11%
Credit score: 660-679 (May-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 11 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,043Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: sahilmkd Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to Debt Consolidation

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


Monthly net income: $48422
Monthly expenses: $500
Housing: $750
Insurance: $100
Car expenses: $0
Utilities: $150
Phone, cable, internet: $50
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 512929
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: $20,500.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.60%  
Term: 60 months  
 
Lender yield: 12.29% Borrower rate/APR: 13.29% / 14.66% Monthly payment: $469.49
 
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): 9 First credit line: Jun-2001 Debt/Income ratio: 13%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $539Stated income:$50,000-$74,999
Delinquencies in last 7y: 21 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: fund-negotiator25 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2010)
 
Principal balance: $4,100.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt Consolidation
This loan will be used to consolidate all of my credit cards, personal loans, and a car loan in one. I will be debt free in 5 years with this loan.

I am a good candidate for this loan because I have my credit on the rise. I have not missed a payment in over 3 years now. I have another prosper loan that I will pay with this one that I have not missed a payment on. The only reason my credit is down is that I went through bankrupcy 3 years ago for a business partner that took over $75,000 from me. I have been at my job for almost 3 years and make way more then enough to pay for this loan. Thank you so much for your help.

My current bills that I will pay off..

Prosper Loan - $4200 ( $205 / month )
Citifinancial Loan - $4000 ( $250 / month )
Credit card 1 - $1000 ( $100 / month ) I pay extra
Credit card 2 - $800 ( $100 / month ) I pay extra
Car Loan - $10000 ( $300 / month )

Total - $20000 ( $955 / month )

I will save over $450 with this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512935
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
Estimated loss*: 19.50%  
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*: 9.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1986 Debt/Income ratio: 15%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:8y 4m
Amount delinquent: $1,464 Total credit lines: 26 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,575Stated income:$25,000-$49,999
Delinquencies in last 7y: 32 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: aguadiente21 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
in need of help
Purpose of loan:
This loan will be used to...

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


Monthly net income: $48,000
Monthly expenses: $2500
Housing: $500
Insurance: $110
Car expenses: $40
Utilities: $
Phone, cable, internet: $30
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $1500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512953
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: $3,100.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $135.00
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Nov-1993 Debt/Income ratio: 20%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:13y 10m
Amount delinquent: $421 Total credit lines: 24 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: treasure-machine9 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off debt, become debt free, and most importantly improve my credit situation so that I can finance a home for my big family.

My financial situation:
I am a good candidate for this loan because..I have been a teacher for 15 years. I am committed to helping my family become debt free and improve my credit situation to finance a home. Paying my bills on time each month is a priority to me.


Monthly net income: $3333
Monthly expenses: $
Housing: $800
Insurance: $60
Car expenses: $438
Utilities: $150
Phone, cable, internet: $120
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $350
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512959
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
Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $612.30
 
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: Aug-2004 Debt/Income ratio: 39%
Credit score: 740-759 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 20 Occupation: Dentist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $575Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: IeatatWendys 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
Dental Office
Purpose of loan:
This loan will be used to cover increased cost of construction for a dental practice. Dental practices are a statistically sound investment with very low default rates on dental practice loans.

Monthly net income: $6078 (increasing to 9000 in August 2011)

Monthly expenses: $
Housing: $969
Insurance: $40
Gas and other auto expenses: $250
Utilities: $80
Phone, cable, internet: $93.02
Food, entertainment: $150
Clothing, household expenses: $30
Student loans: $1800 (paid ahead so payments can easily be reduced)
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512965
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: $23,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $511.51
 
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): 10 First credit line: Feb-1984 Debt/Income ratio: 8%
Credit score: 860-879 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:9y 10m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,924Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: revenue-channel4 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
Purchasing auto for businesses.
Purpose of loan:
I've worked as a librarian for the past 11 years.

Recently obtained my IL Real Estate License. Now working for a very busy firm, Guilfoyle Real Estate & Investments, mentored by two real estate geniuses, and I have closed 4 deals since getting my license in April.

Everyone in the firm drives Mercedes' Audi's & Porsche's. It's the first impression or high-level clients see of us. I have a paid off 2010 Toyota Avalon wholesale value $26,500 to sell.

I am one of the best candidates you will run across. My credit is well above 800. I have never defaulted or paid late on any debt.

I'm going through an uncontested divorce, so I am starting this chapter of my life with a new career, stable part time income from my long time job at the school, and $4-5K/mo. in maintenance from the divorce settlement.

I found the perfect private seller car, had it thoroughly inspected and buying it at $7,500 BELOW trade-in value.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $65.86
 
Lender servicing fee: 1.00% Effective Yield*: 10.37%  
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: Apr-1992 Debt/Income ratio: 25%
Credit score: 780-799 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 40 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,378Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: red-deal-conqueror Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consilidation
Purpose of loan:
This loan will be used to to completely pay off open debts that are currently in good standing

My financial situation:
I am a good candidate for this loan because of the following reasons:

Transunion score = 701 shows that I am an ideal borrower.
I have been with ATK for 5 years, Annual salary = $80,000
I have had no delinquencies for the past 5 years. My credit score backs this statement up
High-Net Worth
Income-producing assets with positive cash flow
Debt-to-Income Ratio is very low
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513141
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $424.52
 
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: Dec-2003 Debt/Income ratio: 15%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $631Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: hopeful-justice4 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
Avoiding Foreclosure
Purpose of loan:
This loan will be used to bring the mortgage on rental property current. My mother Will(ed) rental property to me .Due to poor management the property is currently facing foreclosure. In order to bring the mortgage current I have to pay the bank $22K .I currently have new tenants in the property.They are paying their rent on time and I can cover the monthly payments if need be ,but the bank isn't giving me much time.

My financial situation:
I am a good candidate for this loan because I've learned how important credit is . I've made some mistakes in the past and I refuse to go down that road again. I can afford this loan and I am confident I can make the monthly payments on time.


Monthly net income: $2160
Monthly expenses: $585
Housing: $200
Utilities: $15
Phone, cable, internet: $100
Food, entertainment: $70
Credit cards and other loans: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513189
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: $17,929.95 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.95%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.33% Monthly payment: $570.08
 
Lender servicing fee: 1.00% Effective Yield*: 7.99%  
Estimated return*: 6.04%  
* 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: Apr-2001 Debt/Income ratio: 17%
Credit score: 800-819 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 21 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,697Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: goodhearted-repayment6 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
Unexpected home repair and medical
This loan will be used to consolidate credit card debt that was incurred due to extreme, and unexpected home foundation repairs. Additionally, medical bills from two unexpected surgeries will also be rolled into the consolidation. I'm in a secure job with state government and my wife has a stable job as a speech therapist. We are simply trying to once again gain control of our financial situation, consolidate debt created by two unexpected and somewhat extreme situations. One reason we have the debt in the first place is because we are newlyweds. The foundation problems and two surgeries occurred during the same time we were planning and paying for our wedding in June of 2010. Repairs included foundation leveling, floor replacement and drywall patching.) Needles to say we were caught off guard as we only purchased the home in 2009. However, we have been married a year now, made the necessary repairs to our home and home to stay here for a long time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513243
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
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): 5 First credit line: Nov-1986 Debt/Income ratio: 21%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 9Length of status:15y 4m
Amount delinquent: $216 Total credit lines: 30 Occupation: Attorney
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,609Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: appetizing-leverage3 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
loan for home improvement
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513249
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $289.11
 
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): 10 First credit line: May-1989 Debt/Income ratio: 8%
Credit score: 820-839 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:21y 4m
Amount delinquent: $0 Total credit lines: 18 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,175Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: currency-ace1 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
loan for home improvement
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513255
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: $13,500.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.60%  
Term: 60 months  
 
Lender yield: 12.29% Borrower rate/APR: 13.29% / 14.66% Monthly payment: $309.17
 
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: Mar-2002 Debt/Income ratio: 55%
Credit score: 740-759 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,185Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: AlMeg Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 740-759 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
740-759 (May-2011)
720-739 (Dec-2010)
700-719 (Jul-2010)
660-679 (Oct-2009)
 
Principal balance: $3,277.92 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
Combining Several Payments Into One
Purpose of loan:This loan will be used to combine my loans into one so I will just have one payment. I will be making the same payment but just will be easier to have one loan instead of four and at a lower rate.??I am a good candidate for this loan because I pay all my bills on time. I have already have had one loan at Prosper and have made all payments on time.?I will have this loan payed off way before the five years is up. My financial situation:Monthly net income: $ 4400 Monthly expenses: $ 2775??Housing: $ 0??Insurance: $ 175??Car expenses: $ 750??Utilities: $ 200??Phone, cable, internet: $ 150??Food, entertainment: $ 500??Clothing, household expenses $ 100??Credit cards and other loans: $ 700??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513261
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
Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $612.30
 
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): 7 First credit line: Jul-1995 Debt/Income ratio: 10%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 21 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: respectful-economy2 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
Thunder Cuts Discount Hair Salon
Purpose of loan: To open the first of three discount hair salons. Our business model is similar to Great Clips / Super Cuts yet "better" and specifically geared towards our local community. The market study has been completed with positive results. The salon will be located in a shopping center with a strong, national anchor. The shopping center owner is investing $7,000 "cash" of her own money in our business.

My wife has 20 years experience in salon management and will be managing the salon. My expertise is in small business development and marketing.

My financial situation: I am a good candidate for this loan because I have a long and consistent job history. I have lived in our community for 20+ years. I have previously developed and managed three successful businesses.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513419
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $259.35
 
Lender servicing fee: 1.00% Effective Yield*: 17.68%  
Estimated return*: 11.73%  
* 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): 9 First credit line: Oct-2000 Debt/Income ratio: 15%
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $509Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: basis-solstice Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buy established, solid food cart
Purpose of loan:
To purchase a mobile espresso cart with a proven 3 year operation history. I have 6 years in the industry, extensive knowledge of operations. The equipment and vehicle it is housed in are worth more than this loan value and could be quickly liquidated.

My financial situation:
I am a good candidate for this loan because...
I actually intend on paying off this loan much faster, but i understand flexibility is an important tool in success at business. This will be a second job, and I will retain my full time employ with the state of Washington, an income that could pay the loan payments without me even dipping into my savings.



Monthly net income: 2313 personally, spouse makes 1922 monthly
Monthly expenses: 1027
Housing: $410
Insurance: $60
Car expenses: $0
Utilities: $45
Phone, cable, internet: $12
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $50
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513437
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
Estimated loss*: 17.00%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $86.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.48%  
Estimated return*: 11.48%  
* 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-1989 Debt/Income ratio: 8%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 8 Current / open credit lines: 15 / 11Length of status:19y 4m
Amount delinquent: $38,664 Total credit lines: 56 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,793Stated income:$100,000+
Delinquencies in last 7y: 33 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: baldeji 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: 40 ( 98% ) 680-699 (Latest)
Principal borrowed: $2,500.00< 31 days late: 1 ( 2% )  
760-779 (Oct-2009)
840-859 (Oct-2007)
 
Principal balance: $790.89 31+ days late: 0 ( 0% )
Total payments billed: 41  
Description
Home improvement
Purpose of loan:Home Repair kitchen.

This loan will be used to..Buy new sink, oven, repair floor.

My financial situation: I am paying down all my debt. I have a good income.

I am a good candidate for this loan because...I have a good job. good income. Paying down my debt.


Monthly net income: $10,000
Monthly expenses: $
Housing: $ 1,235.00
Insurance: $ 120.00
Car expenses: $500.00
Utilities: $ 200.00
Phone, cable, internet: $80.00
Food, entertainment: $ 100.00
Clothing, household expenses: $ 250.00
Credit cards and other loans: $ 400.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513449
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $16,500.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.95%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.33% Monthly payment: $524.62
 
Lender servicing fee: 1.00% Effective Yield*: 7.99%  
Estimated return*: 6.04%  
* 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-2002 Debt/Income ratio: 9%
Credit score: 820-839 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,668Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: justice-framework 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
KK's Wedding
Purpose of loan: Wedding
This loan will be used to...Pay for half the wedding costs

My financial situation:
I am a good candidate for this loan because...
I recently finished paying off my car loan and my student loans.
I pay my credit cards off monthly except one that has 0% interest.
My only other debt is a home mortgage that my fiance and I split the cost of.
My credit is in great standing.
I am working in the stable career field of healthcare (Dental Hygienist).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513467
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
Estimated loss*: 19.50%  
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*: 9.67%  
* 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-1996 Debt/Income ratio: 17%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 22Length of status:10y 8m
Amount delinquent: $0 Total credit lines: 57 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $20,831Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: dime-cell 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
Help for Mom
Purpose of loan: Medical bills for mom
This loan will be used to...pay off medical bills

My financial situation: I am not late on any of my bills. I am just pinched because of the extra amount taken on for my mom, This will help bring multiple bills to a end.
I am a good candidate for this loan because I always pay on time. I just need a little help catching up.


Monthly net income: $7,000.00
Monthly expenses: $
Housing: $1400,00
Insurance: $100.00
Car expenses: $200.00
Utilities: $750.00
Phone, cable, internet: $300.00
Food, entertainment: $800.00
Clothing, household expenses: $300.00
Credit cards and other loans: $1200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513479
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: $3,500.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $152.42
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* 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: Mar-1985 Debt/Income ratio: 32%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:16y 0m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,000Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 103%  
   Homeownership: No  
Screen name: green-sympathetic-nickel 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
good girl
Purpose of loan: home improvement
This loan will be used to fix up a basement that was flooded and not covered by home insurance policy. Also, there is an asbestos abatement isssue.

My financial situation: I am prewently not working due to some ninor health problems and looking after my elderly mother. She has retirement income and I have a small monthly disability check. I am the home owner.
I am a good candidate for this loan because I pay my bills and look after my elderly mother. I think that speaks for my character. She will also be helping pay this personal loan. I am preparing to sell the home after I fix it up. Downsize.


Monthly net income: $ Combined incomes are 2300/mo
Monthly expenses: $
Housing: $ 440/mo taxes
Insurance: $ 70/mo insurance
Car expenses: $0
Utilities: $ 175/mo Phone, cable, internet: $67/mo
Food, entertainment: $600/mo
Clothing, household expenses: $100/mo
Credit cards and other loans: $ 66
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513485
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
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: Jun-1993 Debt/Income ratio: 22%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:12y 10m
Amount delinquent: $0 Total credit lines: 43 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,424Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: vigilance-multiplier0 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
loan for house improvement
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513491
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
Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $189.90
 
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): 9 First credit line: Jul-1998 Debt/Income ratio: 18%
Credit score: 760-779 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:16y 9m
Amount delinquent: $0 Total credit lines: 20 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39,666Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: elevated-market4 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
My loan for home improvement
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513509
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
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): 5 First credit line: Apr-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 11 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,071Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: Axis Borrower's state: Hawaii 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 Credit Cards
Purpose of loan: Payoff credit cards and consolidate debt

My financial situation: Good
I am a good candidate for this loan because... I have been paying more than this per month (more than the minimum) for a year, so paying the loan off for less money makes sense, and won't be a problem. I also recently sold a car, so that car payment (and insurance premium) is also one less expense that I current have.


Monthly net income: $ 7000
Monthly expenses: $ 1000
Housing: $ 500
Insurance: $ 0
Car expenses: $ 0
Utilities: $ 0
Phone, cable, internet: $ 125
Food, entertainment: $ 350
Clothing, household expenses: $ 0
Credit cards and other loans: $ 2500
Other expenses: $ 750
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 509042
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
Estimated loss*: 17.00%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $86.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.48%  
Estimated return*: 11.48%  
* 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-1996 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: 6 / 6Length of status:1y 9m
Amount delinquent: $135 Total credit lines: 17Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,429 
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: batt915310 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 54 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
660-679 (Sep-2008)
680-699 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 54  
Description
Need Help, Daughter was in Hospital
On March 10th, daughter ruptured her appendix. She was so sick they couldn't even remove the appendix right away. It was off to intensive care just to stablize her. To make a long story short, it wasn't even untill May 18th, that her final surgery to actually remove the appendix could even take place. We are blessed to still have her. Medical was taken care of through Military (husband retired USN) but we missed a ton of work, and had new unforseen exspenses.

This loan will be used to...pay bills.

My financial situation: Usually Good
I am a good candidate for this loan because...I have had 2 prosper loans before, many years back. Never missed a payment, even paid them off early.


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 513174
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $85.99
 
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): 5 First credit line: May-1985 Debt/Income ratio: 42%
Credit score: 620-639 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 14Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 84 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,803Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: Smith247 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 42 ( 81% ) 620-639 (Latest)
Principal borrowed: $3,000.00< 31 days late: 7 ( 13% )  
640-659 (Jul-2009)
620-639 (Jun-2008)
 
Principal balance: $0.31 31+ days late: 3 ( 6% )
Total payments billed: 52  
Description
My personal loan
Purpose of loan:
This loan will be used to update computer equipment to start business.

My financial situation:
I am a good candidate for this loan because I have successfully paid off 2 prosper loans.


Monthly net income: $ 3500
Monthly expenses: $ 700
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513192
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: $4,900.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $213.39
 
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: Dec-1991 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 4Employment status:Not employed
Now delinquent: 5 Current / open credit lines: 4 / 2Length of status:21y 2m
Amount delinquent: $3,375 Total credit lines: 23Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $948 
Delinquencies in last 7y: 3 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: cactus40 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
My loan for an auto purchase
Purpose of loan:
This loan will be used to... buy a car for my grandson and his family

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


Monthly net income: $ 2000
Monthly expenses: $0
Housing: $ 0
Insurance: $
Car expenses: $0
Utilities: $75
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513204
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $351.52
 
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-1989 Debt/Income ratio: 11%
Credit score: 760-779 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $76,813Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: thrilling-community776 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation consideration
Purpose of loan:
This loan will be used to help consolidate a few minor debts in order to improve my credit since I'm in the process of attempting to qualify for a home purchase for my family. I will pay this loan back in full September 15.

My financial situation:
I am a good candidate for this loan because I'm a long term employee of Micosoft, own two properties and have a long history of paying all my loans on time and before they are due.


Monthly net income: $ 1275.00
Monthly expenses: $ 8925

Housing: $ 3400.00 + 1800.00
Insurance: $ 125.00
Car expenses: $ 700.00
Utilities: $ 225.00
Phone, cable, internet: $ 350.00
Food, entertainment: $ 750.00
Clothing, household expenses: $ 550.00
Credit cards and other loans: $ 725.00
Other expenses: $ 300.00

In Addition I receive a yearly bonus of 50% of my salary wich is paid out September 15. I'm looking to start my consolidation process now and pay the loan back very quickly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513210
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: E Listing Duration: 14 days
Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $261.29
 
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): 5 First credit line: Feb-1988 Debt/Income ratio: 60%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 36 / 36Length of status:21y 7m
Amount delinquent: $0 Total credit lines: 61 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $71,790Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: debflag1 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
need new roof
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513228
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
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): 5 First credit line: Sep-1988 Debt/Income ratio: 23%
Credit score: 600-619 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 5Length of status:2y 7m
Amount delinquent: $888 Total credit lines: 30 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,588Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: luvmycadillac 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: 34 ( 97% ) 600-619 (Latest)
Principal borrowed: $1,500.00< 31 days late: 1 ( 3% )  
680-699 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Working Hard to Get Out of Debt
Purpose of loan: 2nd Try
This loan will be used to...payoff a personal loan company.

My financial situation:
I am a good candidate for this loan because...I have a secure job - RN, and I have paid off my previous loan with Prosper. My son completed A/C Certification school, and now has a good job and is contributing to household expenses. Thanks to all who bid on my recent listing. The $888 delinquent is paid up through a court ordered garnishment (1 public record) - 25% every paycheck - approx $800 -$1000+ a month. I am trying for this loan from Prosper to lower my monthly payment by paying off this garnishment.

Monthly net income: $3400 + $400 in back Child Support (forgot to include on 1st loan listing
Monthly expenses: $
Housing: $680
Insurance: $240
Car expenses: $
Utilities: $230
Phone, cable, internet: $315
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $592
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513240
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $333.59
 
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): 10 First credit line: Nov-1992 Debt/Income ratio: 5%
Credit score: 780-799 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:17y 3m
Amount delinquent: $0 Total credit lines: 34 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,008Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: top-cash-equator7 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan for home improvement
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513246
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $337.16
 
Lender servicing fee: 1.00% Effective Yield*: 17.68%  
Estimated return*: 11.73%  
* 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: Dec-1988 Debt/Income ratio: 10%
Credit score: 740-759 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 10 Occupation: Engineer - Chemical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,486Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: intelligent-balance7 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan for house improvement
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513440
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $285.74
 
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: Sep-1994 Debt/Income ratio: 30%
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:9y 3m
Amount delinquent: $79 Total credit lines: 37 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,422Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: tiger025 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
Loan needed for home improvement
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513464
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: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $175.76
 
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-1980 Debt/Income ratio: 12%
Credit score: 760-779 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 4 Current / open credit lines: 11 / 10Length of status:2y 10m
Amount delinquent: $279,970 Total credit lines: 37 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,435Stated income:$25,000-$49,999
Delinquencies in last 7y: 27 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: liberty-battalion6 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Call1998
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513482
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $17,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $378.07
 
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): 10 First credit line: Oct-1991 Debt/Income ratio: 5%
Credit score: 820-839 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:14y 4m
Amount delinquent: $0 Total credit lines: 12 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $770Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: satisfying-generosity0 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan for home improvement
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513488
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: $14,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $311.35
 
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: Oct-1990 Debt/Income ratio: 5%
Credit score: 820-839 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 14 / 14Length of status:3y 3m
Amount delinquent: $155 Total credit lines: 33 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,540Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: blue-generosity-cosmos 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
loan for home improvement
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513518
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: B Listing Duration: 14 days
Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $87.88
 
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: Feb-1984 Debt/Income ratio: 3%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 5Length of status:2y 8m
Amount delinquent: $66 Total credit lines: 52 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,009Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: handy-economy8 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
Need to borrow $2500
Purpose of loan:
This loan will be used to...repay personal loan

My financial situation:
I am a good candidate for this loan because...I have a good source of income and do not have large monthly bills.
Monthly net income: $2800
Monthly expenses: $1150 Total
Housing: $450
Insurance: $0
Car expenses: $0
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $150
Clothing, household expenses: $50
Credit cards and other loans: $350
Other expenses: $0
Information in the Description is not verified.