Listing Report:Supplement No. 34 dated Jul 13, 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 489821
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Sep-1991 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,962Stated income:$1-$24,999
Delinquencies in last 7y: 14 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: awe-inspiring-generosity5 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to?

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 515681
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 13.00%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $85.99
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 15.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-2006 Debt/Income ratio: Not calculated
Credit score: 620-639 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 8 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,690Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: aclockworkisac 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 25 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,200.00< 31 days late: 0 ( 0% )  
640-659 (Nov-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Filing fees for a lawsuit.
Purpose of loan:
My wife is the complainant in a property dispute. Our lawyer is working on a contingency basis so we have to cover court costs and filing fees out of pocket. It would be nice to have a little bit of money set aside for that purpose so that this doesn't have such a big impact on our monthly budget.

My financial situation:
I have always payed my debts in a timely manner and I have reliable work through the City of Chicago.


Monthly net income: $2050
Monthly expenses: $
Housing: $644
Insurance: $0
Car expenses: $0
Utilities: $80
Phone, cable, internet: $250
Food, entertainment: $600
Clothing, household expenses: $
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515871
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $387.79
 
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: Feb-2000 Debt/Income ratio: 38%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 29 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,569Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: dinero-clarinet5 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 into one monthly payment.
My financial situation:
I am a good candidate for this loan because...
I always pay bills on time.

Monthly net income: $3300
Monthly expenses: $
Housing: $ Own
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 516059
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $3,000 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $130.65
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Aug-1994 Debt/Income ratio: 14%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 3 / 3Length of status:13y 5m
Amount delinquent: $2,127 Total credit lines: 34 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $599Stated income:$50,000-$74,999
Delinquencies in last 7y: 36 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: cozy-commitment1 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
avatarxt
Purpose of loan:
This loan will be used to...bill consolidation

My financial situation:
I am a good candidate for this loan because...im honest, hard working, make good money, have a good credit score


Monthly net income: $2000
Monthly expenses: $
Housing: $675
Insurance: $98
Car expenses: $45
Utilities: $100
Phone, cable, internet: $65
Food, entertainment: $70
Clothing, household expenses: $80
Credit cards and other loans: $450
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516061
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $489.83
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-2005 Debt/Income ratio: 19%
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $16,373Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: bewitching-peace2 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
Infamous Auto Corporation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3000
Monthly expenses: $
Housing: $1200
Insurance: $
Car expenses: $
Utilities: $250
Phone, cable, internet: $100
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $650
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516103
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-2003 Debt/Income ratio: 11%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:0y 3m
Amount delinquent: $276 Total credit lines: 4 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,150Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: prominence626 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
car expenses
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516109
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $16,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $11,200 Estimated loss*: 1.95%  
Term: 36 months  
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.33% Monthly payment: $508.72
 
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: Jun-2001 Debt/Income ratio: 8%
Credit score: 780-799 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,443Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: peace-solstice8 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
Responsible borrower
I am seeking this loan to eliminate all credit card and loan debt that at are variable rates. I have a stable and good paying job that I recently recieved a raise at.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516115
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: $18,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $18,000 Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $583.26
 
Lender servicing fee: 1.00% Effective Yield*: 9.26%  
Estimated return*: 6.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1990 Debt/Income ratio: 47%
Credit score: 800-819 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 31 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,367Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: Engrrob Borrower's state: DistrictOfColumbia Borrower's group: Foolish Loans
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 11 ( 100% ) 800-819 (Latest)
Principal borrowed: $8,600.00< 31 days late: 0 ( 0% )  
800-819 (Jun-2011)
820-839 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate several high interest credit card accounts into one LOWER monthly payment.

$13K @ 24.5% Macy's - I will close this account.
$10K with AmEx - I will pay down half of this balance.

My financial situation:
NOTE: This is a re-listing of a previous loan that did not fund. I am hoping that a lower request might encourage more investment. My monthly payment for this loan will be what I send Macy's every month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516121
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $612.30
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-1987 Debt/Income ratio: 28%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,232Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: the-exchange-starfish Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
rekindle
Purpose of loan:
This loan will be used to bill consolidation

My financial situation:
I am a good candidate for this loan because I am a civil service employee for the past 8 yearsin two agencies in good standing.

Monthly net income: $3,000
Monthly expenses: $ 200
Housing: $1,475
Insurance: $1200
Car expenses: $209
Utilities: $100
Phone, cable, internet: $75
Clothing, household expenses: varies
Credit cards and other loans: $875

Struggled for a while after my divorce 6 years ago and have managed to buld my credit back up. Need to get better control of finances. My first listing which I withdrew was 42% funded with only 1 day left for the listing. I now recognized what is needed to make a listing successful by stepping out of my comfort zone and sharing the advantages of Prosper with friends and family. As they say "what goes around comes around" and I am looking forward to being able to invest in others just as others will invest in me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516123
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): 5 First credit line: Apr-2002 Debt/Income ratio: 19%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:25y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,835Stated income:$25,000-$49,999
Delinquencies in last 7y: 25 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: trcsimp5 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 76 ( 97% ) 660-679 (Latest)
Principal borrowed: $23,500.00< 31 days late: 2 ( 3% )  
620-639 (Jun-2010)
640-659 (Feb-2008)
640-659 (Jul-2007)
 
Principal balance: $1,933.94 31+ days late: 0 ( 0% )
Total payments billed: 78  
Description
pay off debt
Purpose of loan:
This loan will be used to...pay off bills

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


Monthly net income: $3500
Monthly expenses: $500
Housing: $1000
Insurance: $200
Car expenses: $0
Utilities: $30
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516135
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $189.90
 
Lender servicing fee: 1.00% Effective Yield*: 13.85%  
Estimated return*: 10.05%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jun-2000 Debt/Income ratio: 11%
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 10 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $853Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: Yes  
Screen name: atlantis756 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
Home improvements
Purpose of loan:
This loan will be used to... Put hardwood flooring in and some cosmetic work .

My financial situation:
I am a good candidate for this loan because... I pay all my bills on time and pride myself on paying debts off early and paying extra regularly .
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516137
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1997 Debt/Income ratio: 28%
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 16Length of status:12y 11m
Amount delinquent: $0 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $36,254Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: asset-persimmon6 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
One easy payment
Purpose of loan: Pay off major purchase
This loan will be used to...

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


Monthly net income: $ 8158.00
Monthly expenses: $
Housing: $ 1000
Insurance: $0
Car expenses: $0
Utilities: $200
Phone, cable, internet: $350
Food, entertainment: $800
Clothing, household expenses: $500
Credit cards and other loans: $1200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516139
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: $3,700.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,590 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $151.03
 
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-1996 Debt/Income ratio: 5%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 4 Current / open credit lines: 3 / 4Length of status:1y 4m
Amount delinquent: $353 Total credit lines: 24 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,360Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: Grandma2nine 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
Need help to get on track.
Purpose of loan: Pay off debt.
This loan will be used to...Pay off payday loans over a year old and high interest credit line.

My financial situation: 2 jobs 1 is full time other is on call.
I am a good candidate for this loan because...
I am tired of working two jobs just to live paycheck to paycheck. I work hard and try to keep everything current. I have been on my job 16 months. I want to get out of the payday advance rut and never have to use it again. I would like to have some money in the bank for emergencys and rebuild my credit.

Monthly net income: $2500.00
Monthly expenses: $2140.00
Housing: $ 1000.00
Insurance: $ 45.00
Car expenses: $ 250.00
Utilities: $ Included in rent
Phone, cable, internet: $ 95.00
Food, entertainment: $200.00
Clothing, household expenses: $ 100.00
Credit cards and other loans: $ 400.00
Other expenses: $50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516157
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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $128.28
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
Estimated return*: 11.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1999 Debt/Income ratio: 15%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 15 / 15Length of status:3y 9m
Amount delinquent: $4,566 Total credit lines: 66 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,709Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: DeJesus 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 41 ( 100% ) 660-679 (Latest)
Principal borrowed: $9,500.00< 31 days late: 0 ( 0% )  
700-719 (Jun-2008)
740-759 (Dec-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 41  
Description
Fxing my house
Purpose of loan:
I need to repair my house after having some water damage due to roof problem.

My financial situation:
I am a good candidate for this loan because I always paying my loan on time (or before)


Monthly net income: $5000
Monthly expenses: $3545
Housing: $2000
Insurance: $0
Car expenses: $0 (I don't know a car)
Utilities: $300
Phone, cable, internet: $100
Food, entertainment: $250
Clothing, household expenses: $120
Credit cards and other loans: $275
Other expenses: $500 (School loans, Veterinarian, medical bills)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516159
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: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $237.37
 
Lender servicing fee: 1.00% Effective Yield*: 13.85%  
Estimated return*: 10.05%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1993 Debt/Income ratio: 42%
Credit score: 820-839 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 30 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,073Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: first-class-investment9 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvements
Purpose of loan:
To make improvements to our home and consolidate a credit card.

My financial situation:
I am a good candidate for this loan because I have a solid career and a household income of 90,000 total. This loan will eliminate some of my debt and improve my overall financial position as well as increase the value of my assets.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516161
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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 14.70%  
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*: 29.57%  
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: Sep-1996 Debt/Income ratio: 22%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 20 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,405Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: glider392 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personnel Loan Needed
Purpose of loan:
This loan will be used to...consolidate some of my cards

My financial situation:
I am a good candidate for this loan because...my credit history is very important to me so I make sure my bills are paid on time & I try to pay it off sooner than loan timeframe


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 516179
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: May-1990 Debt/Income ratio: 6%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 7 Current / open credit lines: 7 / 7Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,416Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: foxy-finance4 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
soulsista
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516195
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $87.88
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 8.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1981 Debt/Income ratio: 22%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,373Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: responsibility-dissector9 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 and credit cards
Purpose of loan: Consolidate credit cards and medical bills
This loan will be used to...

My financial situation: Okay but could be better
I am a good candidate for this loan because...I was at the same job for 30 years. My wife and I are retired. I have a decent pension and a long history of credit.


Monthly net income: $3025
Monthly expenses: $2510
Housing: $670
Insurance: $170
Car expenses: $250
Utilities: $130
Phone, cable, internet: $80
Food, entertainment: $600
Clothing, household expenses: $50
Credit cards and other loans: $300
Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516219
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $219.91
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
Estimated return*: 11.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Dec-1979 Debt/Income ratio: 35%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 14Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,725 
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: refined-coin6 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
740-759 (Aug-2010)
 
Principal balance: $3,077.44 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Home Improvement
Purpose of loan: Renovations to my home
This loan will be used to... help fix a flooding basement and make changes to our basement.

My financial situation: I am in good standing in all of my accounts
I am a good candidate for this loan because... I pay all of my bills on time and have good credit to prove it. I also have a two-income household, my husband and myself.


Monthly net income: $1,667
Monthly expenses: $
Housing: $ Own
Insurance: $
Car expenses: $ Own
Utilities: $
Phone, cable, internet: $ 150
Food, entertainment: $ 100
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514174
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 2.60%  
Term: 60 months  
 
Lender yield: 12.29% Borrower rate/APR: 13.29% / 14.66% Monthly payment: $343.53
 
Lender servicing fee: 1.00% Effective Yield*: 12.25%  
Estimated return*: 9.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Dec-1995 Debt/Income ratio: 15%
Credit score: 820-839 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 22 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,186Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: apluslending 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 7 ( 100% ) 820-839 (Latest)
Principal borrowed: $37,000.00< 31 days late: 0 ( 0% )  
840-859 (Jul-2010)
840-859 (Sep-2009)
840-859 (Sep-2008)
860-879 (Mar-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Expanding Carpet Cleaning Business
Purpose of loan:
This loan will be used to expand my profitable carpet cleaning business that I have owned for three years. We are looking to expand our business by purchasing another ongoing business to help double our business.

My financial situation:
I am a good candidate for this loan because I have borrowed on prosper previously and have paid back my loans in full well before they were due. Additionally, with the added revenue of our acquisition we will hopefully be able to continue our early paybacks.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $22,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $15,400 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $522.22
 
Lender servicing fee: 1.00% Effective Yield*: 13.85%  
Estimated return*: 10.05%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Feb-1983 Debt/Income ratio: 16%
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:16y 9m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $55,549Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: responsibility-prairie2 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
Organic Farming Loan 2
Purpose of loan: Finance an Organic Farming Operation.This loan will be used to... To finance the operating and harvesting costs of an organic crop. My financial situation: Good, I have a full time job with a Government payed position, for the past 14 years. All bills both domestic and financial are current. I am a good candidate for this loan because... I have a solid background in farming. I have farmed for 15 years before my position with my present job. Farming row crops personally, and being a Research Farm Foreman for two seed companies in the past has given me a broad range and positive experience with all aspects of farming row crop. I have a degree in Ag Busniess from Hartnell College, Salinas, Calif. I have kept up with the local farming community through acquaintances and family members who are engaged in the farming business, here in my community.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 515654
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: $5,000 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): 5 First credit line: Feb-1992 Debt/Income ratio: 13%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:24y 8m
Amount delinquent: $0 Total credit lines: 40 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 26 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: green-coin-pear Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to buy new furniture for my new home

My financial situation:
I am a good candidate for this loan because I have worked at the same job for 25 years and I pay my bills on time


Monthly net income: $2135
Monthly expenses: $1134
Housing: $533
Insurance: $escrow in house payment
Car expenses: $128
Utilities: $185
Phone, cable, internet: $265
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $ 23
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516078
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 2.60%  
Term: 36 months  
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $129.61
 
Lender servicing fee: 1.00% Effective Yield*: 9.26%  
Estimated return*: 6.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Apr-2001 Debt/Income ratio: 11%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,577Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: pshs_2000 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: 0 / 1 On-time: 21 ( 95% ) 740-759 (Latest)
Principal borrowed: $2,000.00< 31 days late: 1 ( 5% )  
520-539 (May-2006)
 
Principal balance: $0.03 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
Moving east in west Texas
This loan will be used to cover moving expenses due to job relocation. My estimated moving expenses are $4000 (security deposit, first/last month's rent, utility deposits, rental truck & supplies, loading/unloading). I may have to break my lease.

Monthly net income=$3100
Housing/utilities=$950
Car ins=$80
Health ins=$200
Phone, cable, internet=$100
Food, entertainment=$150
Clothing, household=$75
Gas=$100
Student loans=$575
Tithes=$390

I?ve worked full time at the health department as an infectious disease nurse for ~2 yrs. I?ve a long history with Proper.com. Got my first loan in 2006 & paid it off EARLY in 2008. I became a lender until I moved to Texas (investing not allowed). When I realized that I would not be able to save up enough in time for this move, I knew I could turn to the Prosper community for help once again. I have a stable job & my living expenses will be decreasing after I move. I will repay this loan on time (most likely early).

Thanks 4 reading!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516082
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $246.06
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 8.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-2001 Debt/Income ratio: 8%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $980Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: payment-pinnacle7 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
s. b m
Purpose of loan:
This loan will be used to...pay a medical expense

My financial situation:
I am a good candidate for this loan because...i have a good stable job that I have been at for seven and a half years


Monthly net income: $4500
Monthly expenses: $
Housing: $1156
Insurance: $160
Car expenses: $0
Utilities: $100
Phone, cable, internet: $85
Food, entertainment: $350
Clothing, household expenses: $40
Credit cards and other loans: $80
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516106
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jun-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 820-839 (Jun-2011) Inquiries last 6m: 6Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: upbeat-deal779 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
A Mother's Intiative
Purpose of loan:
To help fund my daughter's woman owned restaurant venture!
Unfortuantely, we still need more working capital to open a great fusion restaurant located in Vallejo, CA. Please read my profile for more details about the movement.

My financial situation:
I am a good candidate for this loan because I'm very loyal to my obligations and priorities. I have a great track record of paying bills on time, and I also own a restaurant that has been running for over four years and have financial stability coming in every day.

Monthly net income (owner salary): $ 5,500
Monthly expenses include:
Housing: $ 1,000
Insurance: $ 100
Car expenses: $ 300
Utilities: $ 50
Phone, cable, internet: $ 30
Food, entertainment: $ 100
Clothing, household expenses: $ 50
Credit cards and other loans: $ 30
Other expenses: $ 30
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516112
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jun-1989 Debt/Income ratio: 13%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 7Length of status:7y 10m
Amount delinquent: $2,017 Total credit lines: 42 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 56 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: leverage-association6 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
Vice President, Yale Graduate
Purpose of loan:
This loan will be used to consolidate debts.

My financial situation:
I am a good candidate for this loan because I have a stable job that I have been at for 8 years and two master's degrees from Yale University.


Monthly net income: $6300
Monthly expenses: $4000
Housing: $1300
Insurance: $200
Car expenses: $300
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $800
Clothing, household expenses: $500
Credit cards and other loans: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516116
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $493.93
 
Lender servicing fee: 1.00% Effective Yield*: 10.37%  
Estimated return*: 6.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-1969 Debt/Income ratio: 41%
Credit score: 780-799 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:11y 6m
Amount delinquent: $0 Total credit lines: 25 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,145Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: peace-ceremony Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to payoff accounts that have higher rates and consolidate my loans into one. My current card and personal loan payments are over $500 per month. This loan will reduce that payment substantially AND be paid within 3 years.


My financial situation:
I am a good candidate for this loan because I am semi-retired with a stable source of employment and pension income.


My monthly gross income is: $2,600
my wife's monthly gross income is: $4,200

Our combined basic expenses are:

Housing $ 1,600
Car $ 400
Insurances $ 600
Utilities $ 200
Phone/Cable $ 150
Food, Clothing, Misc. $ 500
Credit Card Payments $ 500


Thank you for your consideration and assistance.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516118
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $201.58
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
Estimated return*: 11.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1998 Debt/Income ratio: 14%
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 3 / 3Length of status:5y 9m
Amount delinquent: $10,658 Total credit lines: 19 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Jardy 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 100% ) 720-739 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
680-699 (Jun-2007)
 
Principal balance: $0.04 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Car Purchase
Purpose of loan:
To purchase used vehicle

My financial situation:
I am a good candidate for this loan because I borrowed from Prosper before and it was all paid off on time. I have been employed at the same state government for about 6 yrs.


Monthly net income: $3165.40
Monthly expenses: $
Housing: $549
Insurance: $42
Car expenses: $
Utilities: $30- $40
Phone, cable, internet: $70
Food, entertainment: $280
Clothing, household expenses: $
Credit cards and other loans: $258.29 school loan and Chase $390
Other expenses: $

My car was hit by a guy who had no car insurance, no driver's license and no immigrant papers last year then fled out of the country. My car insurance provider don't cover the fixing.

I am taking the bus to work sometimes. Limited driving in Phoenix in the summer with 100+ degrees heat is hard.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516142
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $555.98
 
Lender servicing fee: 1.00% Effective Yield*: 10.98%  
Estimated return*: 9.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-1993 Debt/Income ratio: 8%
Credit score: 780-799 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 3Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 22 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,371Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: wise-inspiring-p2ploan 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
Adoption Loan
Purpose of loan: International Adoption
This loan will be used to...adopt 2 children with Down Syndrome.

My financial situation: Excellent
I am a good candidate for this loan because...I make $138,000 a year. I have a great debt to income ratio. I had a bankruptcy in 2002, that will come off my credit June 2012.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516156
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $489.83
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-2000 Debt/Income ratio: 26%
Credit score: 780-799 (Jun-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 39 Occupation: Fireman
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,808Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: auction-chomper9 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
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate my student loans all under one loan

My financial situation:
I am a good candidate for this loan because I have solid employment as a Paramedic / Fireman for the County of Henrico for the last 5 years. I am also a partner is a lucrative business which I am looking to expand.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516158
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $311.22
 
Lender servicing fee: 1.00% Effective Yield*: 17.68%  
Estimated return*: 11.73%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1980 Debt/Income ratio: 23%
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $62,697Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: sturdy-rate1 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Starting Over
Purpose of loan: Relocate/Consolidate Credit Cards/Breathing Room
This loan will be used to...Help me start over and, consolidate my credit cards, and give me a little savings.

My financial situation: I'm comfortable day to day. I'm looking to move though and have a cushion so I can breathe easier

I am a good candidate for this loan because...I'm responsible, hard working, and true to my word


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 516160
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $217.74
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: May-1997 Debt/Income ratio: 18%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 3 Current / open credit lines: 12 / 12Length of status:7y 10m
Amount delinquent: $23,096 Total credit lines: 43 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,521Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: economy-paddle0 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
In Desparate Need of Assistance
Purpose of loan:
This loan will be used to...assist with mortgage repayment plan- I need to make a downpayment in order to qualify for repayment assistance because we feel behind on the mortgage. We are desparately trying to catch up and we need to keep our home because we have two small children. We need some help to get back on a regular payment schedule and budget.

My financial situation:
I am a good candidate for this loan because we have sufficient income to repay the loan back and this will help us stay current with our mortgage.


Monthly net income: $ 3800 (me) plus $2800 husband (approximately)
Monthly expenses: $
Housing: $ in repayment- usual amount is 1671
Insurance: $ 316
Car expenses: $ 700
Utilities: $ 500
Phone, cable, internet: $ 500
Food, entertainment: $ 500
Clothing, household expenses: $
Credit cards and other loans: $ 200
Other expenses: $ condo fee- $200,
daycare- $1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516170
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: D Listing Duration: 14 days
Minimum Amount to Fund: $4,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $183.69
 
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-1998 Debt/Income ratio: 13%
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 4 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,033Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: moola-guard1 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
Peace of Mind
Purpose of loan: Debt Consolidation

This loan will be used to handle a couple of emergencies that popped up in my life (Car Repair, Child expenses, etc) and I just want to consolidate it all into one easy, affordable monthly payment and establish myself here on Prosper.com. I want the convenience of a fixed rate and set payment to incorporate into a monthly budget. The desire for this is simply financial peace of mind.

My financial situation is a stable one, and I am a good candidate for this loan because I have a secure job and take care of my financial responsibilities.

If you have any questions, please feel free to ask them. I am excited to have found Prosper and I enjoy the opportunities that it opens up!


Monthly net income: $1720.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $555.98
 
Lender servicing fee: 1.00% Effective Yield*: 10.98%  
Estimated return*: 9.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jan-1992 Debt/Income ratio: 18%
Credit score: 780-799 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:16y 5m
Amount delinquent: $0 Total credit lines: 26 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,712Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: breathtaking-dinero334 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Loan
Purpose of loan:
Consolidation of debt.

This loan will be used to...
Consolidate debt that was acquired during a marital separation.

My financial situation: Excellent.

I am a good candidate for this loan because...
I have been employed with the same company for over 15 years. I am a National Senior Manager with a annual income of over $100k.
I have good credit. I simply need to consolidate my debt into one easy payment with a lower rate than a credit card provides.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $217.74
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-2005 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,550Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: capital-oasis6 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
Debt consolidation/pay off
Purpose of loan:
This loan will be used to pay off existing credit cards and consolidate them to one monthly payment

My financial situation:
I am a good candidate for this loan because I am self-employed/independent contractor for a great company. I make at least 3200 a month and have flexible spending

Monthly net income: $3200-4000
Monthly expenses: $1600
Housing: $650
Insurance: $110
Car expenses: $522
Utilities: $60
Phone, cable, internet: $120
Food, entertainment: $30
Clothing, household expenses: $ 0
Credit cards and other loans: $150
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516204
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $489.83
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-1999 Debt/Income ratio: 12%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 12 Occupation: Construction
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $252Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: open-wealth467 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
Major Purchase
Purpose of loan: I am purchasing a home that has value of $80+ it is currently 20k and in need of 5k in repairs.
This loan will be used to...

My financial situation:
I am a good candidate for this loan because this will be my main home. I have items needed to make the repairs to the home and the ability to do so. I just need the loan to make the purchase. I intend to get a home equity loan as soon as the necessary repairs are made and appraisal is complete.


Monthly net income: $ 4000
Monthly expenses: $0
Housing: $ 0
Insurance: $ 145
Car expenses: $0
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $150
Credit cards and other loans: $30
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516210
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): 5 First credit line: Nov-1989 Debt/Income ratio: 18%
Credit score: 680-699 (Jul-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 6 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,109Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: wise-credit-cell 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
kgsfrog
Purpose of loan: Divorce proceedings
This loan will be used to...help pay court costs

My financial situation:
I am a good candidate for this loan because...I have a good credit score, I have very good stable income and low monthly expenses.


Monthly net income: $4,256.88

Monthly expenses: $1,736.21 (total adding all below)

Housing: $850.00
Insurance: $87.21
Car expenses: $297.00
Utilities: $52.00
Phone, cable, internet: $0 (phone is provided by work as is internet, I do not subscribe to cable)
Food, entertainment: $125.00, $200.00 for gas
Clothing, household expenses: $25.00
Credit cards and other loans: $0
Other expenses: $100.00 (buffered misc.)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516216
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $489.83
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1998 Debt/Income ratio: 29%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:12y 8m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,186Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: cannon781 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to... Pay off credit card debt

My financial situation: I have great credit but would like to consolidate all of my bills into one easy payment.
I am a good candidate for this loan because I am always on time and have kept my credit in high rating.


Monthly net income: $3,460.00
Monthly expenses: ~$1,746.00 (listed below)
Housing: $865.00
Insurance: $50.00
Car expenses: $120.00
Utilities: $260.00
Phone, cable, internet: $51.00
Food, entertainment: $200.00
Clothing, household expenses: $
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 516228
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $175.76
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 8.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1995 Debt/Income ratio: 18%
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 17 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,724Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 53%  
   Homeownership: No  
Screen name: elm139 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Helping out family member
Purpose of loan:
This loan will be used to... help out a family member that is in need of some help. I just spent my saving on engagement ring or I would have had the liquid assets to do such. I am helping them out in a short term situation and plan on paying this back well before it's 3yr plan.

My financial situation:
I am a good candidate for this loan because...I have a great job (IT Systems Engineer) and make good money. I also can't remember the last time I have been late on a bill. My position is very secure and my Boss loves my work.


Monthly net income: $ 3,600
Monthly expenses: $
Housing: $ 500
Insurance: $ 150
Car expenses: $ 500
Utilities: $ 150
Phone, cable, internet: $ 200
Food, entertainment: $ 300
Clothing, household expenses: $ 50
Credit cards and other loans: $ 45 + 75 = 120
Other expenses: $ 300 gas
Information in the Description is not verified.