Listing Report:Supplement No. 26 dated Jul 08, 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 489483
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 6.99% Borrower rate/APR: 7.99% / 8.33% Monthly payment: $297.65
 
Lender servicing fee: 1.00% Effective Yield*: 6.99%  
Estimated return*: 5.99%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Mar-1992 Debt/Income ratio: 17%
Credit score: 820-839 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,913Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: AnnB8 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 820-839 (Latest)
Principal borrowed: $9,700.00< 31 days late: 0 ( 0% )  
780-799 (Jun-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Paying off the last of my debt
Purpose of loan:
This loan will be used to pay off the last of my debts. I've used Prosper before and it has provided me with a means of paying off all debts. In order to avoid incurring new debt, I no longer have credit cards and live on a cash-only basis.

My financial situation:
I am a good candidate for this loan because I work for two organizations that are stable. I have a very good history with Prosper having paid off a business loan.

I am dedicated to being debt free, which includes my mortgage, within the next 15 years. Investing in me is an excellent investment, so please help me achieve my American Dream by purchasing a portion of my loan.

Thank you for considering my request.

Best wishes,
Ann
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 497855
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 2.60%  
Term: 60 months  
 
Lender yield: 12.29% Borrower rate/APR: 13.29% / 14.66% Monthly payment: $343.53
 
Lender servicing fee: 1.00% Effective Yield*: 12.25%  
Estimated return*: 9.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-2003 Debt/Income ratio: 20%
Credit score: 760-779 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 23 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,273Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: unabashed-leverage3 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 9 ( 100% ) 760-779 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
740-759 (Jan-2011)
780-799 (Mar-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Help me consolidate!
Purpose of loan:
This loan will be used to consolidate some student loans

My financial situation:
I am a good candidate for this loan because I have a stable job/great credit history, and have had a loan from prosper before and paid it off early
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512087
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 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: Jan-1994 Debt/Income ratio: 32%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,837Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: melodious-order1 Borrower's state: NewHampshire 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
aasay
Purpose of loan: small business
This loan will be used to...for start up

My financial situation:
I am a good candidate for this loan because...I am excited and focused on starting my business and creating more income to support my family. I am a single parent and raising 3 kids, that alone motivates me so that I can spend more time with them down the road. I have eliminated many bills and made significant cuts in household expenses. We are presently living on minimal needs.


Monthly net income: $2440
Monthly expenses: $
Housing: $1200
Insurance: $50
Car expenses: $0
Utilities: $40
Phone, cable, internet: $0
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515119
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 6.99% Borrower rate/APR: 7.99% / 8.33% Monthly payment: $313.32
 
Lender servicing fee: 1.00% Effective Yield*: 6.99%  
Estimated return*: 5.99%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-2000 Debt/Income ratio: 5%
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,579Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 23%  
   Homeownership: Yes  
Screen name: moola-tulip1 Borrower's state: Nevada Borrower's group: Socorro Capital Partners
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 760-779 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
720-739 (Dec-2010)
 
Principal balance: $10,348.42 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Refinance Prosper Loan
Purpose of loan:

This loan will be used to? I am trying to refinance my prosper loan from an interest rate of 14.99 to 7.99.

My financial situation:

I am a good candidate for this loan because? I am very steadily employed with a large corporation. I pay more in monthly payments now than this loan would be -- it just lets me get a better interest rate and consolidate my payment. Since 2007 there has not been one single late payment.

Monthly net income: $3200, up to 6000 during certain seasons.

Monthly expenses: $ 2620
Housing: $ 1150
Insurance: $ ~150
Utilities: $ 300
Phone, cable, internet: $ 120
Food, entertainment: $ 200
Clothing, household expenses $ 200
Credit cards and other loans: $ ~500 (will be 313 with this loan)
Other expenses: $ 200

Total = 2520 with the loan included
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515143
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $130.65
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
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: Feb-1988 Debt/Income ratio: 79%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 11 / 9Length of status:7y 6m
Amount delinquent: $1,969 Total credit lines: 41 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,777Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: top-fairness-fox Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAL
Purpose of loan:
This loan will be used to...Medical Reasons and bills

My financial situation:
I am a good candidate for this loan because...I have been living in this area for 11 years and have a stable job and a child need this money to get settled again

Monthly net income: . $2600.00
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 515279
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $326.55
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Dec-1999 Debt/Income ratio: 7%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 25 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $97,653Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: capital-opera9 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Renewable Energy
Purpose of loan:
This loan will help install a 100% green electricity project at our test facility. Once installed, the current unit generates approximately $4,000 per month in profit. Once the technology has been operating for several months, we will begin manufacturing more units.

My financial situation:
I am a good candidate for this loan because my income is strong. My 2010 income was $348,000 consisting of a $48,000 base salary and $300,000 of K1 earnings. My 2011 base salary is $126,000 and my K1 earnings will increase too, however K1 distribution occurs 4th quarter 2011.

Monthly net income: $10,500
Monthly expenses: $8,768.83
Housing: $1,450.27 (homeowner 10+ years)
Insurance: $311.28
Car expenses: $967.28
Utilities: $197
Phone, cable, internet: $428
Food, entertainment: $780
Clothing, household expenses: $460
Credit cards and other loans: $3,800
Other expenses: $375
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515323
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $395.14
 
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): 9 First credit line: Jan-2007 Debt/Income ratio: 12%
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 9 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,072Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: first-leverage-orchestra 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
Third time is a charm
Purpose of loan:
This loan will be used to...To payoff private loan that I use for my son wedding expenses.

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

I have a solid employment, my credit is excellent (763), I never ever been late on any of my payments. I don't have any outstanding debt and I would have no problem to pay this loan. My goal is to payoff this loan early.

Thank you.

My previous loan was canceled due to the Prosper error. They acknowledge this but there was no way to restore the listing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515329
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1988 Debt/Income ratio: 73%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:11y 4m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,606Stated income:$1-$24,999
Delinquencies in last 7y: 3 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: suave-hope0 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
project x
Purpose of loan:
This loan will be used to. Help.finance the final phase of completion for a telecommunications project

My financial situation: fair to good
I am a good candidate for this loan because..I will be able to pay it back in full in 8-12 weeks time or less after the project is complete


Monthly net income: $1,700
Monthly expenses: $ 1,100
Housing: $0 Live with parent
Insurance: $400.00 semi-annual premium
Car expenses: $410.52
Utilities: $0
Phone, cable, internet: $65.00 cell
Food, entertainment: $ 50.00
clothing, household expenses: $ 50.00
Credit cards and other loans: $ 500.00
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515341
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 10.00%  
Term: 60 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 29.37% Monthly payment: $457.94
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 15.34%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-2006 Debt/Income ratio: 41%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 7 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,923Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: No  
Screen name: one_god Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 53 ( 100% ) 680-699 (Latest)
Principal borrowed: $9,600.00< 31 days late: 0 ( 0% )  
680-699 (Aug-2009)
700-719 (Sep-2008)
 
Principal balance: $1,587.74 31+ days late: 0 ( 0% )
Total payments billed: 53  
Description
Loan for Investment
Purpose of loan:
This loan will be used to invest in stock options


I am an excellent candidate for this loan because I am very trustworthy and responsible. I recently paid off one of my prosper loans with all payments made on time while the second loan is currently being paid off. i can guarantee you that all payments will be made on time through ACH. thank you for your business.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515347
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 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: Sep-1996 Debt/Income ratio: 33%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,502Stated income:$25,000-$49,999
Delinquencies in last 7y: 17 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: systematic-duty8 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
Newlyweds to Consolidate/Vacation
Greetings:

My wife and I got married on 10/10/10 and are fairly new homeowners. It was a wonderful wedding but we were unable to honeymoon because of the money we used to save up for the wedding. We want to take a nice trip to the west coast for our honeymoon/1st year wedding anniversary, and we figured some extra cash would go a long way towards helping. We also have a couple of joint bills we are looking to pay off as we purchased some furniture and other goods to furnish our home.

My financial situation:
I am a good candidate for this loan because I have a good payment history with my accounts despite the high amount of revolving credit. My wife will be assisting me in paying this loan as well. Any assistance you could provide would be great. My wife and I really believe we deserve to celebrate our marriage and we have not really had the opportunity to do so since last year!

Sincerely,

Two newlyweds and new homeowners
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515353
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 17.00%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $172.56
 
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: May-1999 Debt/Income ratio: 61%
Credit score: 600-619 (Jul-2011) Inquiries last 6m: 9Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 21Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 53 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,280Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: NewChances Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 26 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,300.00< 31 days late: 0 ( 0% )  
540-559 (Oct-2007)
540-559 (Sep-2007)
540-559 (Jun-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Cash Flow needed for small business
Purpose of loan:
This loan will be used to...cash flow for a small business

My financial situation:
I am a good candidate for this loan because...I had a previous loan with prosper and you can see my good payment history.


Monthly net income: $4500
Monthly expenses: $2800
Housing: $Own
Insurance: $180
Car expenses: $481
Utilities: $350
Phone, cable, internet: $200
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $420

I am a co-owner of a trucking company. We recently needed to do some major repairs to our truck. We do make great revenue in our business, but need some cash flow to get back on track from the repair. I have previously borrowed from Prosper and that loan was paid timely and in full.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515381
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $219.91
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
Estimated return*: 11.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-1992 Debt/Income ratio: 21%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $15,751Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: ready-note2 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2010)
 
Principal balance: $1,596.49 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
DEBT-CONSOLIDATION-PROSPER-PLUS
Purpose of loan:
This loan will be used to consolidate my personal loans. I borrowed some money to buy a car that has set me back.

My financial situation:
I am a good candidate for this loan because I pay my debts and I make reasonably good money. My job is stable and I get good work reviews.


Monthly net income: $4800
Monthly expenses: $4200
Housing: $400
Insurance: $400
Car expenses: $1000
Utilities: $300
Phone, cable, internet: $300
Food, entertainment: $450
Clothing, household expenses: $250
Credit cards and other loans: $1200
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515391
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: $3,600.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,520 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $126.55
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 8.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-2006 Debt/Income ratio: 7%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,528Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: chrisjs87 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
Moving Expenses
The purpose of this loan will be to defer the initial expenses of moving into my new apartment. The total cost to move in is $1594.50. This will cover my first months rent, security deposit, pet registration fee, electric service deposit, water&sewer deposit and trash collection deposit. The remaining portion will go towards moving expenses including a rental van to move my belongings, and for the purchase of a new mattress and desk.

I have no car related expenses or cell phone expenses. I'm more than confident that I can afford this loan. Thank you for your consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515405
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 1.95%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.33% Monthly payment: $794.88
 
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-1993 Debt/Income ratio: 4%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 33 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $61,356Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: agile-felicity9 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
Davidreid
Purpose of loan:
This loan will be used to...
Make an investment

My financial situation: Is Healthy. Just need a bridge loan to my bonus

I am a good candidate for this loan because I have very high income.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515409
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $405.04
 
Lender servicing fee: 1.00% Effective Yield*: 9.26%  
Estimated return*: 6.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1999 Debt/Income ratio: 29%
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 35 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,083Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: wntrequinx Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 34 ( 100% ) 760-779 (Latest)
Principal borrowed: $32,500.00< 31 days late: 0 ( 0% )  
800-819 (Mar-2010)
780-799 (Jul-2008)
 
Principal balance: $8,951.68 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Clearing out Debt
Purpose of loan:
This loan will be used to pay off a balance with my credit card company, from purchasing a new refrigerator, and various other things for around the house, as well as consolidating that payment with my current prosper loan.

My financial situation:
I am a good candidate for this loan because i have always paid my loans on time, and my husband and I both have good, stable jobs (despite the economy).

Please note that my debt to income ratio does not include my husband's salary, although it includes all of our debt (because both our names are on all our credit lines).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515433
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $70.30
 
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: Aug-2000 Debt/Income ratio: 6%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,765Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: awesome-peso0 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
Moving expenses
Purpose of loan:
I am being relocated by my company from San Francisco to Washington, DC. While the will cover some of the costs of my move, they will not cover all of them. This loan will make up for the cost of the move that Humanity United is not paying for.

My financial situation:
I make a very good wage - with a yearly bonus in the realm of 15,000, I make approximately 90,000. I would more than be able to pay the monthly fee on this loan.


Monthly net income: $ 4,400
Monthly expenses: $ 2,120
Housing: $ 1,170
Insurance: $ 0
Car expenses: $ 0
Utilities: $ included in rent
Phone, cable, internet: $ covered by employer
Food, entertainment: $ 100 a week/400 a month
Clothing, household expenses: $ 150 a month
Credit cards and other loans: $ 400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 503280
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 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): 5 First credit line: Jan-1984 Debt/Income ratio: 11%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 10 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $517Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 103%  
   Homeownership: No  
Screen name: new-basis-jalapeno Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation - Property Taxes
Purpose of loan:
This loan will be used to pay off back property taxes on inherited property.

My financial situation:
Is very stable - my family inherited a residential property from a deceased grandparent with back property taxes owed. The purpose of this loan is to bring the property taxes up to date, in order to sell the house. Since it must be paid off in one lump sum this year, and Prosper's rates are roughly what I've been quoted through banks, I'm trying the crowd-source model to see if it's effective.

Please let me know if you need further details.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 511772
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 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: Sep-1998 Debt/Income ratio: 7%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 0 / 0Length of status:2y 9m
Amount delinquent: $192 Total credit lines: 9 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: sensational-auction3 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1200
Monthly expenses: $650.00
Housing: $305
Insurance: $70.00
Car expenses: $
Utilities: $45
Phone, cable, internet: $107.00
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 512016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Sep-1994 Debt/Income ratio: 22%
Credit score: 780-799 (Jun-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 24 / 17Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 54 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,217Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: community-ladder1 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
Personal Loan
Purpose of loan:
This loan will be used to consolidate debts.

My financial situation:
I am a good candidate for this loan because I have a steady full-time job and will be able to make timely monthly payments. Although I have other expenses, the only expenses I am responsible for are the expenses listed below.


Monthly net income: $3500
Monthly expenses: $500
Housing: $1200
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513876
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
Minimum Amount to Fund: $9,100 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: Jul-1989 Debt/Income ratio: 21%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 3 Current / open credit lines: 11 / 8Length of status:3y 3m
Amount delinquent: $915 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,400Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: credible-rate1 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Lboogie
Purpose of loan: motorcycle
This loan will be used to...purchase a motorcycle

My financial situation:Is good. I have several paid for rental properties that are all currently rented out.
I am a good candidate for this loan because...I pay my bills on time.


Monthly net income: $6500.00
Monthly expenses: $
Housing: $500
Insurance: $800
Car expenses: $
Utilities: $200
Phone, cable, internet: $50
Food, entertainment: $
Clothing, household expenses: $100
Credit cards and other loans: $1800
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514668
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.95%  
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): 7 First credit line: Nov-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:15y 0m
Amount delinquent: $0 Total credit lines: 43 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,837Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: bold-payment-party Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
money
Purpose of loan:
This loan will be used to purchase new furniture.

My financial situation:
I am a good candidate for this loan because I have steady income with few bills that I am responsible for.


Monthly net income: $3900
Monthly expenses: $1500
Housing: $350
Insurance: $95
Car expenses: $0
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $500
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515330
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 17.00%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $172.56
 
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): 3 First credit line: Feb-2001 Debt/Income ratio: 22%
Credit score: 620-639 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:17y 10m
Amount delinquent: $0 Total credit lines: 24 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,357Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: winger69 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 21 ( 72% ) 620-639 (Latest)
Principal borrowed: $7,000.00< 31 days late: 1 ( 3% )  
700-719 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 7 ( 24% )
Total payments billed: 29  
Description
Situation Consolidation...
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515338
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 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): 2 First credit line: Mar-1997 Debt/Income ratio: 17%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:2y 3m
Amount delinquent: $7,550 Total credit lines: 6 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $101Stated income:$25,000-$49,999
Delinquencies in last 7y: 13 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: new-finance-birdie Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement loan
Purpose of loan: Home Improvement
This loan will be used to...

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


Monthly net income: $ 2,700
Monthly expenses:
Housing: $ 850
Insurance: $ 75
Car expenses: $405
Utilities: $50
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515340
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.95%  
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: Mar-1999 Debt/Income ratio: 35%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,099Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: AustinJay Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Future Earnings
Employed with a Fortune 500 company for over 3 years.

There are no plans with this loan. It will sit in the checking account. If anything, I'm looking to borrow against future earnings.

Just recently finished up paying another $10,000 4 year loan at 18.99%.

My career depends on maintaining great credit, so it's important it not be tarnished.

Monthly net income of $4500 with expenses of about $3000.

Thank you for your time and consideration,

AustinJay
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515356
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: A Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $332.32
 
Lender servicing fee: 1.00% Effective Yield*: 13.85%  
Estimated return*: 10.05%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-1995 Debt/Income ratio: 47%
Credit score: 780-799 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 15Length of status:15y 11m
Amount delinquent: $0 Total credit lines: 30 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,290Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: durability-empire7 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan: Debt Consolidation

This loan will be used to: Pay off some credit card debt with high interest rates due to all the bank changes In the last year or two.

Personal: I have been a Sales Manager for a Beverage Company in Texas for the last 16 years. I have 2 wonderfull Daughters and have been married for 15 years. I enjoy Duck Hunting as well as a game of Golf every once in a while.

Financial: This is my first loan with Prosper and am looking forward to building credit whithin this lending team. I have a very good payment history and a very good credit history. I would rather pay interest to a team of investores than a bank. They get enough of my money already.
My wife is a Chemist and makes $40,000 a year as well.

Thanks In Advance!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515360
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: $5,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $181.11
 
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): 9 First credit line: Mar-1996 Debt/Income ratio: 31%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,744Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: dime-euphoria 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
Consolidating Higher Interest Debt
Purpose of loan:
This loan will be used to consolidate some higher interest credit card debt. The amount I currently pay off monthly in credit card debt is even more than the monthly payback would be, putting me in an ideal situation for easy repayment.

My financial situation:
I am a good candidate for this loan because I am an IT Professional at the University of Chicago in a high stable job position. I am also in a stable financial situation and would have no trouble repaying the loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515388
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $131.71
 
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): 7 First credit line: Apr-2001 Debt/Income ratio: Not calculated
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 21Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $853 
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: auction-outpost0 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
Loan for Debt Consolidation
Purpose of loan: Debt Consolidation

This loan will be used to: Consolidate my student and auto loans

My financial situation: I have savings built up and will be starting employment as a civil engineer on July 18, 2011

I am a good candidate for this loan because: I have an excellent credit history and have never been late on making payments on anything
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515406
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 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: Dec-2001 Debt/Income ratio: 7%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:14y 7m
Amount delinquent: $0 Total credit lines: 2 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: sunnyalways 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
home improvement
Purpose of loan:
This loan will be used for AC unit and other work on house

My financial situation:
I am a good for this loan because...I take my responsible very serious for the loan that I borrow and able to pay them back. I have a steady income from a same work place for more than 14 years.I don't have any any credit card debt. My have a good history making payment on time and never late. I need this emergency loan to use for replace a new AC unit and a few small work for this home. I am very appreciate for any lender out there able to help me at this time. I will sign up with prosper automatic payment plan .


Monthly net income: $3000
Monthly expenses: $
Housing: $370
Insurance: $80
Car expenses: $100
Utilities: $150
Phone, cable, internet: $40
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 515424
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-2002 Debt/Income ratio: 8%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 9 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $561Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: orange-stylish-gain Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
New Heating and Air System
Our air conditioner went out the 2nd week of summer. We've been baring the heat but now its getting too hot inside our house and something has to be done.

I'm a good candidate for loan because I have additional income from my wife. We have some money in savings so we can pay for a portion of the system, but need a loan for the rest. My wife and I are both hard workers. Please help us my wife, our two girls and I can't stand the heat anymore!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515430
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $217.74
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1995 Debt/Income ratio: 25%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 8Length of status:6y 6m
Amount delinquent: $28 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,782Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: moola-welder 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
auggie doggie
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3500.00
Monthly expenses: $3200.00
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.