Listing Report:Supplement No. 32 dated Jul 12, 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 493848
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: $5,000 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: May-2004 Debt/Income ratio: 24%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 15 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,965Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: No  
Screen name: glowing-repayment5 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
Consolidation
Purpose of loan:
Consolidate CC/loans

My financial situation:
I am a good candidate for this loan because I am to make my payments on time. I have never had any delinquent accounts and


Monthly net income: $4228
Housing: $ 650
Insurance: $80
Utilities: $ 70
Phone, cable, internet: $150
Credit cards and other loans: $715
Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515548
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: Jun-1976 Debt/Income ratio: 36%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 18Length of status:30y 9m
Amount delinquent: $0 Total credit lines: 46 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $93,370Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: awesome-listing685 Borrower's state: Kansas 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
Bridge
Purpose of loan:
This loan will be used to...provide finanical bridge until bonus payouts in November. Due to major stroke of father in North Carolina, I incurred unbudgeted travel expenses and costs associated with making my father's home accessible for the disabled.

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 515638
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 1.95%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.33% Monthly payment: $190.77
 
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): 9 First credit line: Jul-1998 Debt/Income ratio: 14%
Credit score: 780-799 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,994Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: urbane-hope250 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need to Pay off High Interest CC
Purpose of loan: Pay off credit card loan
This loan will be used to...Pay off credit card

My financial situation: Good Standings
I am a good candidate for this loan because...I've held the same job for 10 years and running my own business, I have an amazing credit score, and have made all my payments on my current credit card. The problem is that one day late on my payment resulted in a 8.99% apr jumping to a 29.99%. My monthly minumum payment of $160.00 has only $70 going towards the principal balance. No other credit company will give me a loan due to my debt to income ratio. This is my situation, just looking for help in destroying my debt.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515890
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: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $658.57
 
Lender servicing fee: 1.00% Effective Yield*: 10.37%  
Estimated return*: 6.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-1998 Debt/Income ratio: 14%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 34 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,300Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: dynamic-social6 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Young attorney consolidating debt
I?m looking to consolidate my credit card debt at a lower interest rate. I?m able to pay at least $2000 each month toward this loan. I?m a 31-year-old attorney living and working in the Hartford, CT area. I?ve been steadily employed as an attorney for about 5 years and I?ve been a homeowner for 2 years. I?m not having problems making any of my mortgage, credit card or other bills, and I always pay more than the minimum on my mortgage and credit cards. Because of some high-interest rates (25% and 27%) on two cards that I used frequently during law school, however, it's taking a very long time for me to pay down my debt. I successfully paid off two smaller credit card balances and my car in the last two years, but I have been unable to make a significant dent in my larger balances. I recently got engaged. I?m determined to reduce these high-interest balances before my fianc? and I start living together and sharing finances. The only way to do that is to secure a lower interest rate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515920
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $322.47
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Oct-1994 Debt/Income ratio: 21%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 6 Current / open credit lines: 12 / 10Length of status:3y 4m
Amount delinquent: $6,195 Total credit lines: 44 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 10 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: sivaram98 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 51 ( 100% ) 680-699 (Latest)
Principal borrowed: $13,000.00< 31 days late: 0 ( 0% )  
680-699 (Jul-2010)
640-659 (May-2010)
660-679 (Dec-2007)
680-699 (Nov-2006)
 
Principal balance: $5,657.96 31+ days late: 0 ( 0% )
Total payments billed: 51  
Description
Debt consolidation loan
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515924
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $122.46
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1984 Debt/Income ratio: 30%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 24 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,432Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: encouraging-responsibility6 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Mrs.
Purpose of loan:
This loan will be used to...

My financial situation: Langley Federal Credit Union
I am a good candidate for this loan because...I will pay this money back just as I agree to do. I am trying to help my brother who is a terminal cancer patient. I really need this money for expenses. I am local and have been at the same job for 12 years and in the same home for 10 years. Thank you for your consideration.


Monthly net income: $1,400.00
Monthly expenses: $600.00
Housing: $Husband pays this
Insurance: $husband pays thisCar expenses: $
Utilities: $husband pays this
Phone, cable, internet: $husband pays this
Food, entertainment: $husband pays thisClothing, household expenses: $
Credit cards and other loans: $Included in the $600 above
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515930
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-2001 Debt/Income ratio: 43%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,179Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 116%  
   Homeownership: Yes  
Screen name: market-guardian7 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
market-guardian7
Purpose of loan: repair Harley Davidson
This loan will be used to...

My financial situation: is good my wife works and make about $3000 a month so she helps make the Mortgage payment and the credit cards. Our truck will be paid off in February which is 460.
I am a good candidate for this loan because...
We pay all our bills on time and are current on all of them

Monthly net income: $2388.44
Monthly expenses: $1170
Housing: $
Insurance: $167
Car expenses: $460
Utilities: $175
Phone, cable, internet: $75
Food, entertainment: $100
Clothing, household expenses: $193
Credit cards and other loans: $6000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515942
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $195.97
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-1988 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:1y 3m
Amount delinquent: $445 Total credit lines: 16 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,671Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: lakeozarks_mister 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
Medical Bills
Purpose of loan:
This loan will be used to...Pay Off Medical Bills

My financial situation:
I am a good candidate for this loan because...I work very hard to pay my bills on time.


Monthly net income: $1100.00
Monthly expenses: $150
Housing: $0
Insurance: $0
Car expenses: $35
Utilities: $127
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515960
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: Jun-1986 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 2 Current / open credit lines: 1 / 1Length of status:6y 3m
Amount delinquent: $1,331 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $175Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: Garyman007 Borrower's state: NorthCarolina 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
I need the money for an Attorney.
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1997 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 29 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $185Stated income:$50,000-$74,999
Delinquencies in last 7y: 23 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: currency-web6 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
Children's School and care
My two boys, who are 3 and 5 were accepted into a Montessori school and we were able to receive substantial grants, however they require the first two months of tuition to be paid prior to the start of the school year. The averaged cost over the year with the grants is less than the cost of daycare for my youngest.

I just switched contracts working as Senior Business Analyst, and on top of that moved at the same time, which is leaving me short for the deposit on school. My current contract is for a year in a telecom company. There is always a high demand for Business Analysts and do not anticipate any significant gap between positions and would pay the loan off over the school year

Monthly gross income: $6,000
Housing: $975
Insurance: $115
Car expenses: $345
Utilities: $165
Phone, cable, internet: $145
Food, entertainment: $625
Clothing, household expenses: $200
Credit cards and other loans: $25
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515984
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: Nov-1988 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:18y 1m
Amount delinquent: $0 Total credit lines: 8Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,097 
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: diversification-vibrato Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...Consolidate bills

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


Monthly net income: $1019.00
Monthly expenses: $150.00
Insurance: $63.00
Car expenses: $0
Utilities: $
Phone, cable, internet: $40.00
Credit cards and other loans: $250.00 which will be paid off
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515990
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $457.17
 
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): 5 First credit line: May-2003 Debt/Income ratio: 15%
Credit score: 800-819 (Jun-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 7 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: loyalty-faire Borrower's state: Arizona Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY 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.
Description
Business Growth Loan
Purpose:
This loan will be leveraged to grow my business that distributes health/nutrition products to local businesses and online. Most of it will be used towards marketing expenses. If you want a specific itemization of expenses, ask. I have personally invested 20K of my own into this.

I am a good candidate for this loan because I have a stable regular job as an educator and a summer tour guide. I also take in rental income, and my fianc?e will move in with me later this year (we will marry this December, whoo-hoo!), doubling the household income. If you have any questions, don?t feel afraid to ask and I?ll reply as promptly as possible.

Monthly net income: $3,000
Monthly expenses: $1735
Housing: $850
Insurance: $70
Car expenses: $120
Utilities: $285
Phone, cable, internet: $110
Food, entertainment: $200
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 515996
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): 8 First credit line: Jul-2006 Debt/Income ratio: 20%
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 28 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $92Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: philly2285 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
Real estate purchase
Purpose of loan:
This loan will be used to... purchase a foreclosure.


My financial situation:
I am a good candidate for this loan because... I have experience with this kind of investment, and I have never defaulted or had a late payment with any debt.
I have currently owned a duplex in the area for 2 and a half years. I will use the $15,000 that I borrow to purchase the property and make repairs. I will then rent out both units of the property. I expect to rent each side of the duplex for $600.00. One occupied unit alone will cover the cost of 63.49 for taxes and 40.25 for insurance.
Monthly net income: $ 2500
Monthly expenses: $ 427.60
Housing: $ 212.35
Insurance: $ 100.25
Car expenses: $ 60
Utilities: $ 50
Phone, cable, internet: $ 47
Food, entertainment: $ 30
Clothing, household expenses $ 20
Credit cards and other loans: $ 40
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516036
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 17.00%  
Term: 36 months  
 
Lender yield: 30.25% Borrower rate/APR: 31.25% / 34.89% Monthly payment: $172.56
 
Lender servicing fee: 1.00% Effective Yield*: 28.48%  
Estimated return*: 11.48%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-1996 Debt/Income ratio: 57%
Credit score: 620-639 (Jul-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 51 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,484Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: Bratt79 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 40 ( 100% ) 620-639 (Latest)
Principal borrowed: $4,300.00< 31 days late: 0 ( 0% )  
620-639 (May-2010)
600-619 (Apr-2010)
620-639 (Aug-2008)
 
Principal balance: $1,922.80 31+ days late: 0 ( 0% )
Total payments billed: 40  
Description
Tiny Toes
Purpose of loan:
This loan will be used to... start IVF treatments for a baby. We have been unsuccessful in adding a new addition to our family and will use this loan to start IVF treatments.

My financial situation:
I am a good candidate for this loan because... I have held my job for 3 years now, have had 2 previous loans, 1 paid in full EARLY and 1 still current NEVER MISSED A PAYMENT! I am married and with 2 incomes our monthly income is 3,000.


Monthly net income: $3000.00
Monthly expenses: $
Housing: $761.00
Insurance: $119.00
Car expenses: $285.00
Utilities: $90.00
Phone, cable, internet: $80.00
Food, entertainment: $100.00
Clothing, household expenses: $25.00
Credit cards and other loans: $200.00
Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516048
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): 5 First credit line: Mar-1999 Debt/Income ratio: 14%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $528Stated income:$50,000-$74,999
Delinquencies in last 7y: 28 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: tough-exchange3 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
Please Help.....
After a short period of no income almost a year ago we had to take out a high interest rate loan and use some credit cards We started to get some of it paid down and our daughter had to be submitted to the hospital at about 6 weeks old. We ended up having pay a big chunk because our deductible wasn't met. We would just like the opportunity to get back on track and recover financially. We are so close to being back on track.

My financial situation:
I have a great job, very secure. I get paid a nice salary and checks are issued weekly. I have already recieved one raise and more are to come as it gets busier. We just need to get a handle on the bad debts we have out and this loan would let us do just that at a much lower interest rate and more manageable payment.


Monthly net income: $4800
Monthly expenses: $
Housing: $1575
Insurance: $153 (auto)
Car expenses: company pays for
Utilities: $80-100
Phone, cable, internet: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515551
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $279.47
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1993 Debt/Income ratio: 28%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:14y 9m
Amount delinquent: $215 Total credit lines: 38 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,895Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: learningexperience 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: 31 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,001.00< 31 days late: 0 ( 0% )  
540-559 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
2nd Prosper Loan
I am a good candidate for this loan because I have a strong work ethic and job history. I've been at my current job for 15 years. I have been rebuilding my credit for awhile now, it's still a work in progress but I am determined and this loan will help me finish what I have started. My credit card payments will be reduced significantly, if approved. I paid my first loan on time every time; didn't miss one payment and will not miss a payment on this loan either. Thanks for taking the time to consider me for this own.


Monthly net income: $4000

Monthly expenses: $3214

Housing: $929

Insurance: $205

Car expenses: $355

Utilities: $150

Phone, cable, internet: $275

Food, entertainment: $500

Clothing, household expenses: $100

Credit cards and other loans: $500

Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515893
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: $5,600 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $261.24
 
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: Jan-1980 Debt/Income ratio: 7%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 10 / 9Length of status:32y 3m
Amount delinquent: $9,731 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,972Stated income:$100,000+
Delinquencies in last 7y: 32 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: cozy-truth Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pearl jammed
Purpose of loan:
This loan will be used to..consolidate some debts.

My financial situation:
I am a good candidate for this loan because.i have a good job and the lowest house payment i have had in years. grown children so less expenses


Monthly net income: $10000
Monthly expenses: $5500
Housing: $2078
Insurance: $400
Car expenses: $200
Utilities: $250
Phone, cable, internet: $199
Food, entertainment: $800
Clothing, household expenses: $200-400
Credit cards and other loans: $1100
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515899
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): 3 First credit line: Jul-2003 Debt/Income ratio: 15%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 46 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,337Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: spiritual-fund8 Borrower's state: Kansas 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
Ms. K
Purpose of loan:
Unexpected financial emergencies have arisen. i became unqualified for wic. My daycare expenses have risen even though my pay didnt. my credit card is maxed from buying my sons neccisitys on it. My bank accounts are overdrafted and most of my paychecks go to the overdrafts. i cant break the cycle.

My financial situation:
I am a good candidate for this loan because i get paid twice a month by the army. i get my annual enlistement bonus in october so i can pay this loan back fully.


Monthly net income: $3,334.00
Monthly expenses: $550.00
Housing: $850.00
Insurance: $27.00
Car expenses: $430.00
Utilities: $120.00
Phone, cable, internet: $86.00
Food, entertainment: $150.00
Clothing, household expenses: $75.00
Credit cards and other loans: $200.00
Other expenses: $650.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515905
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): 5 First credit line: Nov-2000 Debt/Income ratio: 6%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 3 Current / open credit lines: 7 / 6Length of status:3y 2m
Amount delinquent: $1,885 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,748Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: boomarang999 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
Personal Loan
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515927
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-1992 Debt/Income ratio: 13%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 34 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 18 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: superb-euro9 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan:
This loan will be used to... pay for my sons college.

My financial situation:
I am a good candidate for this loan because... We have run across some bad times, but we are trying to make a fresh start. My wife and i both have great paying jobs now and are able to start fresh and get our credit back on track.


Monthly net income: $5500
Monthly expenses: $
Housing: $1700
Insurance: $
Car expenses: $600
Utilities: $300
Phone, cable, internet: $120
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $700
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515939
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $326.55
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-1989 Debt/Income ratio: 52%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:15y 11m
Amount delinquent: $0 Total credit lines: 34 Occupation: Chemist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $62,774Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: top-loyalty-shaker Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
This is my first loan through Prosper and is intended to consolidate some high interest credit cards in order that I can pay them off faster.

My financial situation is good, I have good credit and pay my bills on time.

I have been at my current job for he last 16 years and have been married for 14 years with 2 small girls! My husband has been at his job for 15 years and makes good money as well.

I look forward to working with the prosper team now and in the future.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 10.00%  
Term: 36 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 27.47% Monthly payment: $196.14
 
Lender servicing fee: 1.00% Effective Yield*: 22.43%  
Estimated return*: 12.43%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1979 Debt/Income ratio: 31%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $19,963Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: okiemechanic 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 48 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
700-719 (Nov-2010)
680-699 (Dec-2009)
680-699 (Sep-2009)
620-639 (Aug-2009)
 
Principal balance: $1,465.37 31+ days late: 0 ( 0% )
Total payments billed: 48  
Description
Set A Good Example for Our Teenager
Purpose of loan:
This loan will be used to...consolidate consumer credit debt.

My financial situation:
I am a good candidate for this loan because...I have been in my job for 6 years. We have been in the same home for 20 years and have been married for 33 years. We haven't been wise with credit. We want to teach our teenager responsible money management practices, i.e., NO MORE CREDIT CARD USAGE. We are determined to set a good example and, as we do so, increase our sense of accomplishment! Please give us a chance to do this right. These figures are for my share of the income and expenses.


Monthly net income: $1954.12
Monthly expenses: $1230.00
Housing: $240.00
Insurance: $40.00
Car expenses: $175.00
Utilities: $150.00
Phone, cable, internet: $50.00
Food, entertainment: $200.00
Clothing, household expenses: $75.00
Credit cards and other loans: $300.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515953
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: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $527.28
 
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-1999 Debt/Income ratio: 24%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 40 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,636Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: industrious-durability841 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Ms. Want to be debt free
Purpose of loan:
This loan will be used to... Consolidate high intrest debt in preparation to refincance my home

My financial situation:
I am a good candidate for this loan because... I pay all my bills on time and i have had strong solid employment since 2000. I have never been unemployeed, layed off etc.


Monthly net income: $ 5500
Monthly expenses: $ 2500 which includes housing, insurance and car listed below
Housing: $ 1200
Insurance: $ 220
Car expenses: $ 800
Utilities: $ n/a
Phone, cable, internet: $ 100
Food, entertainment: $ 250
Clothing, household expenses: $ 250
Credit cards and other loans: $ 14,187.74 total debt of which i pay about $1500 a month on
Other expenses: $ 80.00/month for student loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515957
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-2006 Debt/Income ratio: 22%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,987Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: brainy-duty2 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 very appreciated
Purpose of loan:
This loan will be used to... start a small business to supplement my income and support my children for college.

My financial situation:
I am a good candidate for this loan because... I have never been late with any payment and this will be no exception.


Monthly net income: $ 2400
Monthly expenses: $ 2152 (Total)
Housing: $ 755
Insurance: $ 120
Car expenses: $ 302
Utilities: $ 150
Phone, cable, internet: $ 100
Food, entertainment: $ 300
Clothing, household expenses: $ 150
Credit cards and other loans: $ 200
Other expenses: $ 75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515969
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: $3,200.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,200 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $112.49
 
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: Dec-2006 Debt/Income ratio: 14%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 7 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,248Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: blissful-compassion2 Borrower's state: Arizona 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
First off, I checked all 3 credit scores and they are all above 725. I don't know why it says it's so low.

Purpose of loan: Get away from so many bills
This loan will be used to... pay off all my balances on all my credit cards and to fix the ac in my car.

My financial situation: living at home trying to save enough to leave. this loan would help me control and manage my money better.
I am a good candidate for this loan because... i always pay all my bills on time without fail. i feel i'm very low risk.


Monthly net income: my income is roughly $900-1100
Monthly expenses:
Housing: $0
Insurance: $75
Car expenses: $200
Utilities: $0
Phone, cable, internet: $25
Food, entertainment: $200
Clothing, household expenses: $25
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515973
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $108.87
 
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
Please help fix my car!!
Purpose of loan: My car's transmission died, it?s my only means of transportation to work, for my children. It dropped in the garage so I had it towed to my local repair shop and the repair cost is roughly $3000 but I have $500 saved.

This loan will be used to fix my cars transmission so I can go to work and take my children if they have doctor?s appointments, or anywhere. I have two girls, a 5yr old and a 10month old, god forbid there is an emergency before I can get it fixed.

My financial situation: My husband and I are both fully employed, I'm a teacher at the base school and my husband is an active duty SSgt in the United States Air Force, and deployed atm.

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: $4700
Monthly expenses: $400
Housing: $700
Insurance: $80
Car expenses: $190
Utilities: $200
Phone, cable, internet: $150
Credit cards and other loans: $7000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515985
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 1.95%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.33% Monthly payment: $254.36
 
Lender servicing fee: 1.00% Effective Yield*: 7.99%  
Estimated return*: 6.04%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-2002 Debt/Income ratio: 5%
Credit score: 820-839 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,668Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: justice-framework Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
KK's Wedding
Purpose of loan: Wedding
This loan will be used to...Pay a portion of our wedding costs

My financial situation:
I am a good candidate for this loan because...
I recently finished paying off my car loan and my student loans.
I pay my credit cards off monthly except one that has 0% interest.
My only other debt is a home mortgage that my fiance and I split the cost of.
My credit is in great standing.
I am working in the stable career field of healthcare (Dental Hygienist).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515991
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: $7,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-2005 Debt/Income ratio: 40%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 10 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,296Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: awesome-duty5 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to consolidate my debt.

My financial situation:
I am a good candidate for this loan because I have never made a late payment and I have the income to make the payments. I also have other household income from my husband who manages a liquor store. My husband has had a rough time finding a good paying job up until recently when he got a promotion to manager at the liquor store. We are dedicated to getting our debt paid down and feel this is a good option for us and for you as an investor. Please ask if you need any more information and thank you for looking at my listing!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515997
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: Mar-2001 Debt/Income ratio: 25%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 31 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,848Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: engaging-payment0 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
MYINBOX31
Purpose of loan:
This loan will be used to...MOVE MY THINGS FROM IL TO WA

My financial situation: I AM EMPLOYED
I am a good candidate for this loan because...I ALWAYS PAY MY DEBTS


Monthly net income: $1900
Monthly expenses: $800
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515999
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $265.33
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-2005 Debt/Income ratio: 19%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 11 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,936Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: p2p-coup 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
Business has orders, need new equip
Purpose of loan:
This loan will be used to purchase a new piece of equipment for my side busines. I can only produce 1 pouch per minute currently this machine allows me to produce 25 pouches per minute and fufill the order bank that is rapidly coming in. Currently I have over 15,000 orders to fill for August. I also am quoting a private label brand that would be 70,000 units which is why I need this machine! See below, I have always been very careful with my credit.

I am a good candidate for this loan because I have always been good with my money. I have no delinquencies, I pay things on time and have a steady full time job. I work all day and then go to my "other" office and package until about 10pm 5-7 days a week.

Monthly net income: $3,000
Housing: $580
Insurance: $125
Car expenses: $240
Utilities: $80
Phone, cable, internet: $0
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $150
Other expenses: $75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516003
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: $2,800.00 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: $121.94
 
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-1997 Debt/Income ratio: 68%
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 18Length of status:12y 4m
Amount delinquent: $68 Total credit lines: 34 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $46,813Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: finance-maker0 Borrower's state: NorthCarolina 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
redbone
Purpose of loan: purchase motorcycle
This loan will be used to...

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


Monthly net income: $40,000.00/ also self employed
Monthly expenses: $15000.00
Housing: $781.00
Insurance: $216.00
Car expenses: $486.00
Utilities: $110.00
Phone, cable, internet: $110.00
Food, entertainment: $100.00
Clothing, household expenses: $50.00
Credit cards and other loans: $2000.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516009
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): 2 First credit line: Oct-1979 Debt/Income ratio: 69%
Credit score: 620-639 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 44 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $21,820Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: ndlmklandman 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 25 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,575.00< 31 days late: 0 ( 0% )  
700-719 (Aug-2009)
700-719 (Jul-2009)
700-719 (May-2009)
620-639 (Oct-2008)
 
Principal balance: $454.88 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Set A Good Example for Our Teenager
Purpose of loan:
This loan will be used to...consolidate consumer credit debt.

My financial situation:
I am a good candidate for this loan because...I have been successfully self-employed for 5 years. We have been in the same house for 20 years and married for 34 years. We haven't been wise with credit. We want to teach our teenager responsible money management and STOP CREDIT CARD USAGE! We are determined to set a good example and, as we do so, increase our sense of accomplishment. Please help us to do this right. These figures are for my share of the income and expenses. Our household income is $3200 net per month.


Monthly net income: $1250
Monthly expenses: $1230.00
Housing: $240.00
Insurance: $40.00
Car expenses: $175.00
Utilities: $150.00
Phone, cable, internet: $50.00
Food, entertainment: $200.00
Clothing, household expenses: $75.00
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516039
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $489.83
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-2005 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 14Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: gold-warrior3 Borrower's state: Wisconsin 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
monthly expenses
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516051
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $283.07
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1991 Debt/Income ratio: 41%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:11y 8m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,269Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: immaculate-loot7 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
business
No description was provided by the borrower.
Information in the Description is not verified.