Listing Report:Supplement No. 29 dated Jul 10, 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 502491
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $140.61
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 8.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1993 Debt/Income ratio: 15%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 19 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,325Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: impeccable-duty7 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt reduction
Purpose of loan: pay off 2 credit cards at 22 percent
This loan will be used to...

My financial situation: is better now that the medical bill have ended. now i can get my credit card bills down
I am a good candidate for this loan because...i pay my bills on time and have not been late.


Monthly net income: $5800
Monthly expenses: $4000.00
Housing: $900.
Insurance: $170.
Car expenses: $450.00 including gas
Utilities: $230.
Phone, cable, internet: $75.00
Food, entertainment: $350.00
Clothing, household expenses: $100.00
Credit cards and other loans: $600.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 513927
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: Jun-1992 Debt/Income ratio: 9%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: investment-pudding1 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding expense getting bigger
Purpose of loan:
This loan will be used to help pay for our wedding and get a fresh start.
My financial situation:
I am a good candidate for this loan because We r great people that need a little help, going thru a rough time and this will put our head above water and give us that extra boost on life. thank you so much!

Monthly net income: $32,000
Monthly expenses: $ 1500
Housing: $ 325
Insurance: $ 250
Car expenses: $ 355
Utilities: $ 150
Phone, cable, internet: $ 200
Food, entertainment: $
Clothing, household expenses: $ litte as possible
Credit cards and other loans: $ none
Other expenses:GAS $ 150-200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515079
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 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: Dec-2000 Debt/Income ratio: 20%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 16 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,775Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: commanding-silver3 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Debt consolidation

My financial situation: Ok i make plenty of money just have to many Credit cards and would like to pay them off.
I am a good candidate for this loan because... i have perfect payment history and trying to be responsible and pay down my credit cards in a timely mannor.


Monthly net income: $ 4400.00
Monthly expenses: $ 2500.00
Housing: $ 1195.00
Insurance: $ 0
Car expenses: $ 574.00
Utilities: $ 80.00
Phone, cable, internet: $ 230.00
Food, entertainment: $ 200.00
Clothing, household expenses: $ 30.00
Credit cards and other loans: $ 290.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515163
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $105.46
 
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): 9 First credit line: Jan-2008 Debt/Income ratio: 7%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 10 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,153Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: majestic-diversification 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
Clearing and consolidating debt
Purpose of loan:
This loan will be used to pay off credit card debt and a student loan from my PhD.

My financial situation:
I am a good candidate for this loan because I have never missed a payment on any previous loan or credit card. I am an independently funded research scientist investigating mechanisms of heart disease, and have a very secure position in a reputable institution. This loan will lower my monthly payments, and clear residual credit card debt, allowing me to save.


Monthly net income: $3670.83

Housing: $900
Utilities: $150
Credit cards and other loans: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515587
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: A Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $243.03
 
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): 8 First credit line: May-1987 Debt/Income ratio: 5%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $73,407Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: note-fountain5 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: 4 ( 57% ) 680-699 (Latest)
Principal borrowed: $10,000.00< 31 days late: 3 ( 43% )  
740-759 (Jun-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
MF12907
Purpose of loan:
Consolidate Debt and unexpected family expenses.

My financial situation:
I am a good candidate for this loan because I will make on time payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515629
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,800.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,160 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $287.36
 
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: Sep-1987 Debt/Income ratio: 9%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:24y 10m
Amount delinquent: $0 Total credit lines: 57 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,160Stated income:$100,000+
Delinquencies in last 7y: 8 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: newest-entertaining-ore 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
Purchase home for Army Veteran.
Purpose of loan:
This loan will be used to... Home purchase for my family, And pay small medical bill.


My financial situation:
I am a good candidate for this loan because... I have very good fixed Military retirement income, Very low debt to income ratio, I will repay my debt.. Rest assured It is my word to you. I appreciate your kind consideration of this loan.

I thank you for trusting me to defend our great country.. I now ask you to trust me for this loan.. I did make some bad financial decisions 4 years ago, They are now corrected. I now have the means that will allow me to meet my debt obligations for the rest of my life.

With warm regards,



Monthly net income: $7400.00 (tax free)
Monthly expenses: $460.00
Housing: $1495.00
Insurance: $67.00
Car expenses: $ 85.00
Utilities: $325.00
Phone, cable, internet: $88.00
Food, entertainment: $410.00
Clothing, household expenses: $125.00
Credit cards and other loans: $744.00
Other expenses: $80.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515643
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 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: Apr-1993 Debt/Income ratio: 22%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 10Length of status:2y 9m
Amount delinquent: $2,988 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,319Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: hope-trailblazer1 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
Bashi
Purpose of loan: Consolidate debt
This loan will be used to...consolidate debt

My financial situation:
I am a good candidate for this loan because...Due to nature of my profession I always pay back my debts.


Monthly net income: $6000
Monthly expenses: $5400
Housing: $2800
Insurance: $400
Car expenses: $600
Utilities: $140
Phone, cable, internet: $140
Food, entertainment: $220
Clothing, household expenses: $400
Credit cards and other loans: $500
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515649
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $474.75
 
Lender servicing fee: 1.00% Effective Yield*: 13.85%  
Estimated return*: 10.05%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jul-1992 Debt/Income ratio: 10%
Credit score: 740-759 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:12y 0m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $110,570Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: Yes  
Screen name: nickel-satellite Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Redtail2
Purpose of loan:
This loan will be used to cover unexpected medical expenses that need to be resolved immediately so to avoid additional charges. This loan will help me get on track to resolve my situation promptly. Thank you for all you can do to make this possible.

My financial situation:
I am a good candidate for this loan because I have a secured full time job with the federal government. I have maintained an outstanding credit history and have not missed a payment.

Monthly net income: $4564
Housing: $874 per month (mortgage)
Insurance: included in payroll deductions ($103,000 life coverage)
Car expenses: none
$40-80 summer/winter monthly averages for electric;$15 water
$15 phone; $24 internet; no cable/entertainment
$30-40 food (no dependents)
Clothing, household expenses: no purchases planned
$381 average per month on credit card payments; have other loans that are currently being paid through payroll deductions and automatic bank withdrawals
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515651
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $308.59
 
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: Feb-1990 Debt/Income ratio: 47%
Credit score: 780-799 (Jul-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,321Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: elegant-revenue4 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan to help family
Purpose of loan:
This loan will be used to pay off a few bills, help out a family member and have my nice vehicles refurbished by private parties that dont accept my credit cards...thanks

My financial situation:
I am a great candidate for this loan because I have no other debt to speak of, HAVE NEVER BEEN LATE ON ANY LOAN in my life and will repay very timely and have a steady retirement situation....
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515661
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: B Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $263.64
 
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: Jul-1977 Debt/Income ratio: 15%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 16Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 28 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $53,176Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: maximizer946 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
*Debt Consolidation Loan*
Purpose of loan:
This loan will be used to consolidate debt. I have stopped using my credit cards and would like to pay off as much as I possible can with a loan.

My financial situation:
I am a good candidate for this loan because I am a very responsible person. I have never missed or been late on a payment for anything. I take this very seriously and guarantee that you will get your money back. Thank you in advance for your consideration.

Monthly net income: $ 5200
Monthly expenses: $ 1800
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515667
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $612.30
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-2000 Debt/Income ratio: 9%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 4 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $909Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: progressive-benefit167 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
SOFTWARE
Purpose of loan: BUSINESS
This loan will be used to...
MY COMPANY CREDIT EXACT, HAS A SOFTWARE THAT EDUCATE CONSUMER ABOUT THEIR RIGHTS AS WELL PROVIDE A DO IT YOURSELF SOFTWARE TO DISPUTE AND CORRECT INACCURATE INFORMATION THAT MAY APPEAR ON THEIR CREDIT REPORT. I HAVE MAJOR ENDORSEMENT WITH-IN THE CHRISTAIN COMMUNITY WHO WANT TO OFFER THE SOFTWARE TO THE CHURCHES AROUND THE COUNTRY. I NEED THE FUNDS FOR ADVERTISING AND MARKETING

My financial situation: GREAT
I am a good candidate for this loan because... I BELIEVE IN PAYING MY BILLS AND ESTABLISHING RELATIONSHIP WITH OTHERS WHO CAN ASSIST ME WITH MY GOALS


Monthly net income: $ 9500.00
Monthly expenses: $ 4500.00
Housing: $ 1500.00
Insurance: $ 350.00
Car expenses: $ 750.00
Utilities: $200.00
Phone, cable, internet: $200.00
Food, entertainment: $200..00
Clothing, household expenses: $350.00
Credit cards and other loans: $300.00
Other expenses: $650.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515669
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): 4 First credit line: Dec-1996 Debt/Income ratio: 13%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 1Length of status:6y 1m
Amount delinquent: $2,700 Total credit lines: 9 Occupation: Food Service
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: prudent-bazaar4 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
deli clerk
Purpose of loan: personal
This loan will be used to...purchase furniture,minor maintenance on my car and to help pay down on other debts

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


Monthly net income: $1600.00
Monthly expenses:
Housing: $357.00
Insurance: $70.00 per month
Car expenses: $50.00
Utilities: $30.00
Phone, cable, internet: $85.00
Food, entertainment: $100.00
Clothing, household expenses:
Credit cards and other loans: 224.00.per month
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515685
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): 6 First credit line: Jul-1998 Debt/Income ratio: 7%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 13 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: bill-cocktail5 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
auto loan
Purpose of loan:
This loan will be used to...help purchase a vehicle.

My financial situation:
I am a good candidate for this loan because...I am currently employed full time. I plan to pay the loan off in 6mo or less.


Monthly net income: $4850
Monthly expenses: $
Housing: $926.00
Insurance: $100
Car expenses: $
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $350
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515687
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: Mar-2006 Debt/Income ratio: 23%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:3y 11m
Amount delinquent: $300 Total credit lines: 9 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,495Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: epic-asset4 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
New Baby!!
Purpose of loan: I have a new daughte on the way and would like extra funds to start off on the right foot. The pregnancy was unexpected and my husband and I don't have anything set aside.

This loan will be used to...Furnish the new baby's room with a crib, diaper changing table, toys, clothes, car seat, stroller and everything else that we may need. This is our first child so we don't know what to expect as far as cost.

My financial situation: Fully employed and married to active duty Air Force...we're stable economically, just didn't plan according like we should have.
I am a good candidate for this loan because...I'm rarely late on bills as you can see from my credit report.


Monthly net income: $3700
Monthly expenses: $300
Housing: $700
Insurance: $80
Car expenses: $190
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $7000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515699
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 6.99% Borrower rate/APR: 7.99% / 8.33% Monthly payment: $156.66
 
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-1998 Debt/Income ratio: 18%
Credit score: 780-799 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 33 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $427Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: tynk56 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: 0 / 1 On-time: 11 ( 100% ) 780-799 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
800-819 (Apr-2010)
780-799 (Sep-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
debt consolidation
Purpose of loan:
This loan will be used to...
Debit Consolidation
Wife's Student loans coming due just want some extra cash to make payment easier and less stressfull. Get rid of higher interest debt

My financial situation:
I am a good candidate for this loan because...
Have a good job and can get extra hours if i need extra money
My wife also has a good job in a growing company
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515705
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $163.28
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2010 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 2Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $245 
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: proud-fund3 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
Personal Loan
Purpose of loan: I have to buy some personal items.
This loan will be used to...

My financial situation: Good
I am a good candidate for this loan because I have a good credit score. I never ever miss any payment. I am a full time student, I live with my parents. And I make 1000 a month from pocket money.


Monthly net income: $1000
Monthly expenses: $300
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $150
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515721
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: Oct-2005 Debt/Income ratio: 38%
Credit score: 620-639 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 16 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,219Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: adonis2725 Borrower's state: Connecticut Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 46 ( 100% ) 620-639 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
620-639 (Apr-2010)
620-639 (Aug-2008)
 
Principal balance: $4,883.50 31+ days late: 0 ( 0% )
Total payments billed: 46  
Description
Career Advancement - Pay for course
Purpose of loan:
This loan will be used to...To pay for a course needed to get a license in order to advance my career.

My financial situation:
I am a good candidate for this loan because... First of all, I want to say a big thank you to all the lenders who have helped me twice when I needed a loan. I am a good candidate for this loan because, this will be my third time retuning to this site and my payment history will tell you a lot about me. I fullfilled my side of the bargain by always having Prosper take the money directly out of my checking account.and have worked for the same company for over 5 years. Just have faith in me like you had before. Thanks


Monthly net income: $2600.00
Monthly expenses: $
Housing: $850.00
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $180.00
Food, entertainment: $150.00
Clothing, household expenses: $100.00
Credit cards and other loans: $300.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515751
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: $9,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,000 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $293.90
 
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: May-1998 Debt/Income ratio: 14%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:11y 5m
Amount delinquent: $0 Total credit lines: 21 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: hamster1 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help me purchase a rental home
Purpose of loan: To purchase a home to rent out.
This loan will be used to...Buy a rental home

My financial situation:
I am a good candidate for this loan because...I have four good vehicles paid for I have been on my job for over 11 years and my spouse has been at his job for 8 years we have stability and would like to increase our stability for our future we have been married for 27 years.


Monthly net income: $1256 plus spouse 2600 =3856
Monthly expenses: $2281
Housing: $901
Insurance: $150
Car expenses: $250 gas
Utilities: $180.00
Phone, cable, internet: $250.00
Food, entertainment: $350.00
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515763
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: Oct-2005 Debt/Income ratio: 18%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 3 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: diversification-protector 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
personal loan
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2000
Monthly expenses: $1000
Housing: $300
Insurance: $45
Car expenses: $140
Utilities: $150
Phone, cable, internet: $45
Food, entertainment: $250
Clothing, household expenses: $70
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515769
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $91.63
 
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): 6 First credit line: Apr-2003 Debt/Income ratio: 11%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 8Length of status:5y 8m
Amount delinquent: $879 Total credit lines: 36 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,447Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: 2baibeeicca 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 / 3 On-time: 36 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
620-639 (Jun-2011)
620-639 (Apr-2010)
540-559 (May-2008)
520-539 (Apr-2008)
 
Principal balance: $660.68 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Pay for Continuing Education RN
Thank you for taking the time to look at my proposal.

I'm in need of $2500 to help pay for registered nursing (RN) fees and continuing.

Q: What do you do and how long have you been there?
I have been employed with my current employer, a local hospital, for 5 1/2 years as a nurse assistant and a RN since Aug 2010.

Q: Why do you have delinquencies?
All the delinquencies that are on my credit report is from medical bills. I am currently making monthly payments on two major delinquencies and will be paying them off this year.

Q: Any other information that we should know about?
I can put the fees on my credit card but I rather have a fixed monthly payment and be free from all credit card debt. And if granted, this would be my third time loaning with prosper. If you look above, I have never been delinquent with my previous prosper loan.

I appreciate you looking at my listing. If you have any questions, I encourage you to ask. Thanks again. :)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 505386
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: $22,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $22,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $724.43
 
Lender servicing fee: 1.00% Effective Yield*: 10.37%  
Estimated return*: 6.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1973 Debt/Income ratio: 47%
Credit score: 800-819 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:26y 10m
Amount delinquent: $0 Total credit lines: 35 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,421Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: Yes  
Screen name: ore-meridian6 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
Penguin Puzzle
Purpose of loan: The purpose of this loan is to pay off and consolidate 3 higher-interest loans on which I currently pay.
This loan will be used to...pay off 3 higher-interest loans that I have been trying to consolidate for the last year or so. After paying off the 3 loans, any balance remaining from the Prosper loan would be applied to its balance.

My financial situation: My financial situation is very stable, as I am very conscientious and make all my payments on time. I have paid off what I am able, and my goal has been to clear up all my revolving credit before my retirement as an educator. The car loan on which I cosigned is to help my 'daughter' and husband establish credit-he is in the air force and has been consistent in making the payments.
I am a good candidate for this loan because...My credit history is excellent, as can be seen by my records. I am very consistent and reliable in making timely payments on any bills and loans that I carry.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 506572
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,800.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $8,800 Estimated loss*: 1.95%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.33% Monthly payment: $279.80
 
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: May-2001 Debt/Income ratio: 10%
Credit score: 800-819 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 12 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $279Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: contract-serrano0 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate our credit card debt in order to take advantage of the lower interest.

My financial situation:
I am a good candidate for this loan because we have a combined income of about $75,000, my wife is an accountant and we are great at money management, and we are currently paying several times our minimum payments in order to pay off our debt quickly. We are mainly trying to get out from under credit cards as we intend to never use them again.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514130
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: $2,300.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,300 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $93.89
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1998 Debt/Income ratio: 9%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:17y 9m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $673Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: flexible-return885 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
mr b
Purpose of loan:
This loan will be used to...fixing my home

My financial situation:
I am a good candidate for this loan because...long time on the same job


Monthly net income: $1700
Monthly expenses: $
Housing: $546
Insurance: $35
Car expenses: $161
Utilities: $60
Phone, cable, internet: $120
Food, entertainment: $100
Clothing, household expenses: $75
Credit cards and other loans: $20
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515154
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: $2,200.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,200 Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $94.59
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2001 Debt/Income ratio: 9%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 8 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,238Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: the-bid-exchanger 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 / 1 On-time: 34 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
620-639 (Aug-2008)
 
Principal balance: $346.01 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Just paying off a few bills
Purpose of loan:
This loan will be used to...pay off the small amount of debt I have left and put a little extra in my bank account. Build credit score.

My financial situation: Comfortable.

I am a good candidate for this loan because...I had a previous loan and all payments were on time and it is 2 payments away from being paid in full. I live in my parents basement. My DTI is low and it is a minimal risk loan for anyone who is interested in an investment.Once my current prosper loan is paid in a month my credit card and other loan amount will drop by 170 dollars.


Monthly net income: $3,896
Monthly expenses: $ 1330
Housing: $0
Insurance: $130
Car expenses: $200
Utilities: $0
Phone, cable, internet: $170
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $330
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515506
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $152.42
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Aug-1993 Debt/Income ratio: Not calculated
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 13 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $65Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: burgeoning-agreement4 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
burgeoning-agreement4
Purpose of loan: debt consolidation
This loan will be used to...pay off debts

My financial situation: great, good credit
I am a good candidate for this loan because...my credit rating is above 730 and I am on time to pay and financially able to pay.


Monthly net income: $1200.00
Monthly expenses: $
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $50.00 week
Clothing, household expenses: $50.00 month
Credit cards and other loans: $3300.00
Other expenses: $
20.00 gas week
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515530
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $8,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $326.56
 
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: Apr-2004 Debt/Income ratio: 16%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,386Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: loyalty-heaven150 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
Airconditioning replacement
Purpose of loan:
This loan will be used to...replace air conditioner which broke down

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


Monthly net income: $9700
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515566
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,000 Estimated loss*: 2.60%  
Term: 60 months  
 
Lender yield: 12.29% Borrower rate/APR: 13.29% / 14.66% Monthly payment: $183.21
 
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-1989 Debt/Income ratio: 20%
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 17 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,063Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: discrete-benefit4 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,100.00< 31 days late: 0 ( 0% )  
740-759 (Nov-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 2  
Description
2nd Prosper Ln-Consolidate CC Debt
Purpose of loan: Consolidate all my credit card debt.
This loan will be used to pay off my two credit cards and one personal loan. This will lower my monthly payment from $272 to $185 and save me $85 a month. Plus lowering my interest rate.

My financial situation:
I am a good candidate for this loan because...I have good credit and want to be debt free to have a fresh start with my fianc?e. This is also my 2nd Prosper loan. My first one was paid off in two months and I anticipate paying this one off early as well. If you have any questions please let me know.


Income: $2320

Mortgage: $550
Electric: $200
Phone: $60
Internet & Cable: $100
Food & Gasoline: $500
Child Support: $500

*(This new Prosper Loan)
$ 185

Remainder for the month is $225
(cushion for life's little emergencies or additonal payment(s)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515588
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: 15%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,916Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: bright-contract1 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
wondercripple's Loan
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515590
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $191.73
 
Lender servicing fee: 1.00% Effective Yield*: 24.52%  
Estimated return*: 9.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-2007 Debt/Income ratio: 57%
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 11 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $477Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: greenback-cleansing3 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...
Consolidate some existing credit card and loan debt

My financial situation:
I am a good candidate for this loan because...
I have good credit and I pay my bills on time. I am in the processes of getting a second job so that I can pay my existing bills off sooner. I just need some help at the moment.


Monthly net income: $1,200
Monthly expenses: $1,350
Housing: $475
Insurance: $130
Car expenses: $160
Utilities: $60
Phone, cable, internet: $90
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $465
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515602
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: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $259.35
 
Lender servicing fee: 1.00% Effective Yield*: 17.68%  
Estimated return*: 11.73%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1998 Debt/Income ratio: 17%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,709Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: orange-peace-summoner 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
Kitchen remodel
Purpose of loan: Home remodel
This loan will be used to Renovate my kitchen and increase the value of my home. I do my own renovations. I already invested about 20,000 cash into my first floor and need cabinets.
My financial situation: good
I am a good candidate for this loan because my financial position is good, I have a solid work history, and also have rental income.

Monthly net income: $5500-7000
Monthly expenses: $4000
Housing: $2400
Insurance: $144
Car expenses: $850
Utilities: $300
Phone, cable, internet: $143
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515626
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): 5 First credit line: Mar-1998 Debt/Income ratio: 8%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 3 Current / open credit lines: 4 / 3Length of status:13y 1m
Amount delinquent: $6,646 Total credit lines: 17 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $407Stated income:$75,000-$99,999
Delinquencies in last 7y: 11 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: generosity-acrobat7 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Relief
Purpose of loan:
This loan will be used to pay off debts created as a result of divorce

My financial situation:
I am a good candidate for this loan because I never miss any payments


Monthly net income: $5200
Monthly expenses: $100
Housing: $1850
Insurance: $49
Car expenses: $30
Utilities: $109
Phone, cable, internet: $25
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $525
Other expenses: $None
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515636
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: Feb-2005 Debt/Income ratio: 18%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 12 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,280Stated income:$1-$24,999
Delinquencies in last 7y: 7 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: competent-responsibility034 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
Help Pay for Car Repairs!
Purpose of loan:
This loan will be used to pay off my Small Credit Card Balance.

My financial situation:
I am a good candidate for this loan because I intend to pay use the remaining of the loan as part of my first payment (About $800)

Monthly net income: about $400
Monthly expenses: $50
Utilities: NONE
Phone, cable, internet: NONE
Housing: NONE
Insurance: Parents pay!
Monthly Car expenses: $40 a month
Yearly Car Expenses: $200, including most repairs.
Food, entertainment: $20
Credit cards: Paying off!
Student Loans Payments: NONE, yet!
Student Loans In One Year: $110
Other expenses: $120
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515648
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $444.79
 
Lender servicing fee: 1.00% Effective Yield*: 10.98%  
Estimated return*: 9.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Dec-1994 Debt/Income ratio: 18%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 39 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,688Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: green-yield-philosopher Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to consolidate credit card debt.

My financial situation:
I am a good candidate for this loan because I have proven to pay my bills on time. My VantageScore from Experion is over 800. I am a stable employee. I have been with the same company for nine years. I have savings and investments to cover this amount if needed.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515652
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 17.00%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $150.99
 
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: Mar-2000 Debt/Income ratio: 41%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 33 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,908Stated income:$75,000-$99,999
Delinquencies in last 7y: 5 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: resolute-kindness9 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: 7 ( 88% ) 680-699 (Latest)
Principal borrowed: $5,000.00< 31 days late: 1 ( 13% )  
780-799 (May-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Cleaning up the debt
Purpose of loan: Payoff credit cards
This loan will be used to...

My financial situation: Solid
I am a good candidate for this loan because I am a member of the US military with a steady income. My credit is rough do to a divorce a few years back and I am working to fix the situation.


Monthly net income: $6200.00
Monthly expenses: $
Housing: $ 2233
Insurance: $ 109
Car expenses: $ 200
Utilities: $ 150
Phone, cable, internet: $ 40
Food, entertainment: $ 400
Clothing, household expenses: $ 150
Credit cards and other loans: $ 250
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515672
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $226.82
 
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): 8 First credit line: Mar-2002 Debt/Income ratio: 52%
Credit score: 740-759 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,185Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: AlMeg Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 740-759 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
740-759 (May-2011)
720-739 (Dec-2010)
700-719 (Jul-2010)
660-679 (Oct-2009)
 
Principal balance: $3,110.59 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
Combining Three Loans Into One
Purpose of loan:This loan will be used to combine my three loans into one so I will just have one payment. I will be making the same payment but just will be easier to have one loan instead of three and at a lower rate.??I am a good candidate for this loan because I pay all my bills on time. I have already have had one loan at Prosper and have made all payments on time.?I will have this loan payed off way before the five years is up. My financial situation:Monthly net income: $ 4400 Monthly expenses: $ 2775??Housing: $ 0??Insurance: $ 175??Car expenses: $ 750??Utilities: $ 200??Phone, cable, internet: $ 150??Food, entertainment: $ 500??Clothing, household expenses $ 100??Credit cards and other loans: $ 700??Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515676
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 17.00%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $150.99
 
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): 2 First credit line: Jun-1991 Debt/Income ratio: 31%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,455Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: fiscal-responsibility Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
660-679 (Nov-2009)
 
Principal balance: $3,930.72 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
New Floors
Purpose of loan:
This loan will be used to...Install new flooring in my kitchen. I purchased a new home in 2010 worth $418,000 with a 4.5%, 30 year fixed loan.

My financial situation:
I am a good candidate for this loan because...I have enough disposable income to meet all obligations. I do not have any late payments and satisfy all debt obligations on time. No defaults and I honor all obligations.


Monthly net income: $ 6500
Monthly expenses: $
Housing: $ 2688
Insurance: $ 90
Car expenses: $ 550
Utilities: $ 300
Phone, cable, internet: $ 110
Food, entertainment: $ 400
Clothing, household expenses: $ 200
Credit cards and other loans: $ 750
Other expenses: $ 150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515678
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $510.25
 
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: May-1994 Debt/Income ratio: 18%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 10 / 7Length of status:14y 0m
Amount delinquent: $7,374 Total credit lines: 30 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,601Stated income:$75,000-$99,999
Delinquencies in last 7y: 10 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: mickthequick 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
Taking care of business
Purpose of loan:
This loan will be used to...consolidate unsecured debt and pay off family personel loans

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $489.83
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2002 Debt/Income ratio: 12%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 1Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 9 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,226Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: order-showcase 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
Debtconsole
Purpose of loan:
This loan will be used to...

My financial situation: USAA
I am a good candidate for this loan because...I have long employment history and strong income.


Monthly net income: $8416
Monthly expenses: $
Housing: $600.00
Insurance: $90
Car expenses: $0
Utilities: $250
Phone, cable, internet: $40
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515714
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $8,000 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $293.21
 
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): 6 First credit line: Dec-1977 Debt/Income ratio: 26%
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:21y 6m
Amount delinquent: $0 Total credit lines: 35Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,591 
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: bonniewclass Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 19 ( 100% ) 720-739 (Latest)
Principal borrowed: $9,500.00< 31 days late: 0 ( 0% )  
660-679 (Nov-2009)
660-679 (Sep-2009)
640-659 (Apr-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
3rd Loan-Steady income
Purpose of loan:
This loan will be used to...get a new roof and some small repairs around the house.

My financial situation:
I am a good candidate for this loan because...I have a steady income and I pay my bills on time each month. Although I filled bankruptcy 10 years ago, it has still not come off my credit report. My payments are and will be automatically drafted out of my checking account each month for this loan.


Monthly net income: $2230.32
Monthly expenses: $1362 ($868 left over)
Housing: $628
Insurance: $60 (car)
Car expenses: $50
Utilities: $200
Phone, cable, internet: $99
Food, entertainment: $150
Clothing, household expenses: $75
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515724
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: May-2003 Debt/Income ratio: 27%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:15y 5m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,312Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: openness-chosen-one0 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
Consolidate for Better Terms
Purpose of loan:
This loan will be used to... Consolidate Credit I Inured in financing car tires & suspension repairs, dental partial & required home repairs. The financing used to secure these funds, was gotten at less than favorable terms. Extending the time period will allow me to regain sound footing.

My financial situation:
I am a good candidate for this loan because... I'm US NAVY Retired & My income is Secure & for life. My Home & Mortgage is insured for death & illness payoff. I am a responsible & on-time bill payer.


Monthly net income: $3800
Monthly expenses: $
Housing: $922
Insurance: $(escrowed with loan)
Car expenses: $500
Utilities: $175
Phone, cable, internet: $100
Food, entertainment: $800
Clothing, household expenses: $400
Credit cards and other loans: $500
Other expenses: $225
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515730
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: Sep-1998 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Student - College G...
Public records last 12m / 10y: 0/ 5 Revolving credit balance: $44Stated income:$25,000-$49,999
Delinquencies in last 7y: 13 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: loot-beast1 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Financial Servies
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $555.98
 
Lender servicing fee: 1.00% Effective Yield*: 10.98%  
Estimated return*: 9.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-1991 Debt/Income ratio: 9%
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:8y 4m
Amount delinquent: $0 Total credit lines: 50 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,676Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: focused-auction6 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
This loan will be used to pay off shorter term higher interest rate debts to allow for improved monthly cash flow.

I have strong employment history of more than twenty-two years in the same industry and 8+ years in my current role. I have strong income. In the last year or so I have had to meet several abnormal expenses including college tuition increases significantly above the amounts I had anticipated through savings, significant repair to my home and other short term obligations. I have equity in a second home however, the second mortgage market is very tight making it difficult to access so I am looking to Propser as a possible alternative.

I am a good candidate for this loan as I have always paid all of my debts. I have a long history of employment and good credit history. I have documented income.
Information in the Description is not verified.