Listing Report:Supplement No. 61 dated Aug 19, 2011 to Prospectus dated Jul 14, 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 Jul 14, 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 Jul 14, 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 512352
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $13,500 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $350.12
 
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: Jan-1999 Debt/Income ratio: 12%
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,000Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: thunder243 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
Home Improvement Help
Purpose of loan: Home Improvement
This loan will be used to... Home Improvement help to complete in time for friend visiting during christmas. I would also like to consolidate 1 credit card (I only have 1).

My financial situation:
I am a good candidate for this loan because... I'm employed in stable medical company (8yrs). I've received Sr. Tech title promotion last year. Appreciate your time for reading my listing. Thank you.


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 516612
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: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $719.00
 
Lender servicing fee: 1.00% Effective Yield*: 24.52%  
Estimated return*: 11.52%  
* 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: May-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 36 Occupation: Sales - Retail
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $5,992Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: RYANH204 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 100% ) 660-679 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
780-799 (Oct-2010)
760-779 (Jul-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
My personal loan for my business
Purpose of loan:
This loan will be used for inventory expansion

I am a good candidate for this loan because...I paid off a $15,000 loan from prosper previously and it was even paid off early.

Because of that loan I was able to expand my business into another store location.

I am looking to expand the inventory of that store location in hopes to even further expansion in the future.

Your support is greately appreciated!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 521876
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-2001 Debt/Income ratio: 51%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,643Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: 168RichCapital Borrower's state: Florida Borrower's group: LendersClub
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
LENDER Consolidate Increase C.Score
Purpose of loan: Consolidate Balance of 4 CCs (2 from Chase 30.99%, Discover 27.99% and WNFFB 26.99%) into 1 PAYMENT

My financial situation: Good and Improving. Work FT at the Cond. Association where I live. Started as Office Assist, now on the process to obtain my FL License as Property Manager. Also have a P/T at a Car Dealer, can provide full verification of Income.

Good candidate for this loan because: LENDER. I learned about Credit the hard way. Got into CC debts paying high interests. While paying down my debt, on AUG/2010 became a Prosper Lender, have invested $7000 so far, $500/monthly. I want to improve my C.Score and lower int rates.
Married, husband also works FT $60-70K/Year, NO Kids.


Monthly net income: $ 2100+1000 P/T= TOTAL $3100
Expenses: 1600
Housing: $0 Mortgage $1112 - PAID BY HUSBAND
Insurance: $110
Car expenses: $400
Utilities: $100
Phone, cable, internet: $120
Credit cards and other loans: $600
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $152.42
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 12.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Mar-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:12y 2m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: wonderous-funds5 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
Owner
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2,800.00
Monthly expenses: $
Housing: $550.00
Insurance: $800.00
Car expenses: $400.00
Utilities: $150.00
Phone, cable, internet: $150.00
Food, entertainment: $400.00
Clothing, household expenses: $100.00
Credit cards and other loans: $182.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522478
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: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $273.03
 
Lender servicing fee: 1.00% Effective Yield*: 12.85%  
Estimated return*: 9.05%  
* 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: Apr-1991 Debt/Income ratio: 14%
Credit score: 760-779 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 25 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,736Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: burgeoning-generosity9 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
Speedy Payoff
Purpose of loan:
This loan will be used to...Eliminate debt of credit cards and divorce debt so that I may be freer to invest.

My financial situation:
I am a good candidate for this loan because...
Currently paying about $400 per month for these debts, I do not plan on lowering that amount, so the payoff will be quicker and cost me less in the long run.

12+ years in current company, 7 years in current management position, company doing OK in current economic situation. VERY unlikely that hours would be cut (even though I'm salaried) or I would be a lay-off candidate.

I'm frugal, sensible, and have integrity. I could continue to pay these cards as is, yet will be a better move if I pay them off faster through here, this is my first Prosper loan, so I shall want to create a good profile, and positive payment history.

Thanks for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522496
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: D Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $306.15
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-1992 Debt/Income ratio: 15%
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,585Stated income:$25,000-$49,999
Delinquencies in last 7y: 20 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: Quarks-and-Honey Borrower's state: Georgia Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Please help w/car repair + project
I pay on time, have a job!

CAR
My 1997 car needs repairs, gasket head repair $1000, replace balding tires $300, which is almost the value of the car itself. AC broken too. It gets 12 mpg so it's very costly. Its best to just get a different car.

DAD
My dad is 60. He's really stressing about his retirement. I'm the oldest daughter of 2 children, and in my culture we believe in providing for our parents when they're older

DILEMMA
If I put my savings into getting a different car, I wont be able to fund the low-cost, low-overhead turnkey business Ive been working on for 6 months, designed to my dad's retiremnt. I need a PHP programmer to finish it. I have 15 yrs experience in the field, Im tech savvy, have the support of other talented colleagues. Mockups here if you wanna see: http://bit.ly/qh-mockup

Summary below, MORE DETAILS IN MY MEMBERPAGE! Click there or this link http://bit.ly/qh-memberpage

FINANCIALS
Income= $2500/mo after taxes
Expenses= $1300 (everything)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522550
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $102.05
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-2000 Debt/Income ratio: Not calculated
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 36Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $848 
Delinquencies in last 7y: 15 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: finance-web4 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Our personal loan
Purpose of loan:
This loan will be used to...Pay rent and pay bills as we are in transition through a new job and paycheck

My financial situation:
I am a good candidate for this loan because...we have fair credit, we have three kids to support, my husband works full time as the high school here in town and is going to school online, I stay home with our children


Monthly net income: $2500.00
Monthly expenses: $2282.00
Housing: $800.00
Insurance: $220.00
Car expenses: $432.00
Utilities: $100.00
Phone, cable, internet: $180.00
Food, entertainment: $350.00
Clothing, household expenses: $100.00
Credit cards and other loans: $100.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522572
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $261.29
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1990 Debt/Income ratio: 33%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 5Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $719Stated income:$1-$24,999
Delinquencies in last 7y: 33 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: consummate-commitment344 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
serenity
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1316.00
Monthly expenses: $1277.00
Housing: $
Insurance: $60.00
Car expenses: $80.00
Utilities: $
Phone, cable, internet: $185.00
Food, entertainment: $150.00
Clothing, household expenses: $
Credit cards and other loans: $742.00
Other expenses: $60.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522584
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: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $511.94
 
Lender servicing fee: 1.00% Effective Yield*: 12.85%  
Estimated return*: 9.05%  
* 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): 10 First credit line: Jun-1967 Debt/Income ratio: 8%
Credit score: 760-779 (Aug-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:0y 7m
Amount delinquent: $2,667 Total credit lines: 39 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,788Stated income:$100,000+
Delinquencies in last 7y: 7 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: engrossing-leverage0 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
CFO
Purpose of loan:
This loan will be used to launch an online website that makes discovering local businesses fun, exciting and rewarding. It allows consumers to receive substantial discounts and cash rewards for discovering local businesses while giving businesses intimate exposure to hundreds or thousands of potential customers at a very low cost. The objective is to bring small business back to it's position as the financial backbone of this country.

We will use the $15,000 loan to have the site programmed. We have a commitment at this level. We will then run the beta tests. Revenue generation will happen quickly. Significant revenue generation is anticipated within 30 days after the beta testing.

My financial situation:
I am a good candidate for this loan because I have been in finance for 40 years. This has provided me with the discipline to pay all of my indebtness in the required amount on time. My payment history is excellant.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522816
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $326.55
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-2003 Debt/Income ratio: 32%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 7Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 17 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,312Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: enthusiastic-principal4 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Help
Purpose of loan: Credit Card Consolidation
This loan will be used to... Consolidate Credit Card Debt

My financial situation: Needs to Pay Down Credit Cards
I am a good candidate for this loan because... Reliable, Can Make Payment On Time.


Monthly net income: $ 3369.00
Monthly expenses: $ 200.00
Housing: $ 400.00
Insurance: $ 204.00
Car expenses: $ 298.00
Utilities: $ 200.00
Phone, cable, internet: $ 150.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 514.31
Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $542.21
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1990 Debt/Income ratio: 13%
Credit score: 640-659 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:17y 11m
Amount delinquent: $0 Total credit lines: 25 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,439Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: leverage-rotation 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
mance001
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522882
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-2001 Debt/Income ratio: 15%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,692Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: red-historic-deal 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
MEDICAL ASSISTANCE
Purpose of loan:
This loan will be used to ASSIST IN PAYING OFF MEDICAL EXPENSES AQUIRED WHEN I WAS DIAGNOSED WITH CANCER AND BEGAN CHEMO AND RADIATION TREATMENT

My financial situation:
I am a good candidate for this loan because I HAVE GREAT CREDIT AND PAY ALL MY BILLS ON TIME. ALSO THIS LOAN WILL BE USED FOR SOMETHING VERY IMPORTANT AND NOT WASTED ON MATERIALISTIC THINGS. WITH THE BAD FINANCIAL SITUATION THIS COUNTRY IS IN I WOULD NOT WASTE ANYONES TIME ASKING FOR MONEY I DONT ACTUALLY NEED WHEN THERE ARE SO MANY PEOPLE OUT THERE GENUINLY NEEDED A LOAN JUST TO KEEP THEIR FAMILIES AFLOAT
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522900
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $81.64
 
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: Apr-1999 Debt/Income ratio: 6%
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 2Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 26 Occupation: Laborer
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: slappery 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
Tuition
Purpose of loan: Tuition
This loan will be used to...

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


Monthly net income: $ 2100
Monthly expenses: $1300
Housing: $380
Insurance: $75
Car expenses: $200
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522912
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: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $244.92
 
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: Mar-1998 Debt/Income ratio: 7%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:14y 4m
Amount delinquent: $0 Total credit lines: 31 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,195Stated income:$50,000-$74,999
Delinquencies in last 7y: 24 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: sensible-gold6 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
WANT TO BE FREE OF DEBT
Purpose of loan:
This loan will be used to pay off my sister and one personal loan that has very high interest.

My financial situation: I am a very good candidate because I have a stable job for 14 years. Made a mistake before and I am trying to improve my credit worthiness if given a chance.

Monthly net income: 4400
Monthly expenses:1600
Housing
Insurance
Car expenses
Utilities:
Phone, cable,
Food, entertainment:
Clothing, household expenses
Credit cards and other loans:
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 521745
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: $8,999.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $6,299.30 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $329.82
 
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-1999 Debt/Income ratio: 22%
Credit score: 760-779 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 8Length of status:22y 0m
Amount delinquent: $748 Total credit lines: 34 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,697Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: DavEmsDaddio Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 50 ( 96% ) 760-779 (Latest)
Principal borrowed: $9,999.00< 31 days late: 2 ( 4% )  
680-699 (May-2011)
700-719 (Oct-2009)
660-679 (Mar-2008)
 
Principal balance: $1,187.73 31+ days late: 0 ( 0% )
Total payments billed: 52  
Description
Home Repairs Needed
Purpose of loan:
This loan will be used for paying to have our home painted and to replace some of the interior flooring. I also plan to take $1,194.54 to pay off a loan I currently have thru Prosper. This will enable us to maintain our overall monthly debt payments in a reasonable range.

My financial situation:
I am a good candidate for this loan because I am responsible and have had the same employer for the past 20+ years (U.S. Army).


Monthly net income: $5,980
Monthly expenses: $4,681
Housing: $1,965
Insurance: $153
Car expenses: $403
Utilities: $450
Phone, cable, internet: $157
Food, entertainment: $700
Credit cards/other loans: $703
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522161
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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,000 Estimated loss*: 14.70%  
Term: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $287.60
 
Lender servicing fee: 1.00% Effective Yield*: 24.52%  
Estimated return*: 9.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1993 Debt/Income ratio: 31%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,898Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: contract-thinker4 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt free
Purpose of loan:
This loan will be used to...Pay off high interest credit card

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 522469
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 16.50%  
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*: 12.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jun-1991 Debt/Income ratio: 89%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 41 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,778Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: wonderous-asset3 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
My personal loan for my business
Purpose of loan:
This loan will be used working capital

...My financial situation:
I am a good candidate for this loan because I have a great payment history.


Monthly net income: $ 3900.00
Monthly expenses: $ 250.00
Housing: $0
Insurance: $0
Car expenses:$0
Utilities: $300.00
Phone, cable, internet: $200.00
Food, entertainment: $ 150.00
Clothing, household expenses: $
Credit cards and other loans: $1000.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522487
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $265.33
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-2001 Debt/Income ratio: 9%
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 30 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $121Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: transaction-radio9 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
Finance Professional Seeking Loan
Purpose of loan:
This loan will be used to pay for my temporary housing and moving costs to San Francisco.

My financial situation:
I am a good candidate for this loan because I will be reimbursed by the company I was just hired by for all moving and relocation expenses within one month. I would have financed this through my credit card; however, my credit limit is too low and they will not increase it sufficiently enough to cover these expenses.

Monthly net income: $ 4087
Monthly expenses: $ 2242
Housing: $576
Insurance: $111 (auto)
Car expenses: $0 (car is paid off)
Utilities: $55
Phone, cable, internet: $180
Food, entertainment: $620
Clothing, household expenses: $200
Credit cards and other loans: $300
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522563
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-1999 Debt/Income ratio: 8%
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 0 / 0Length of status:3y 1m
Amount delinquent: $51,252 Total credit lines: 29 Occupation: Laborer
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 44 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: balanced-market0 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Fresh start
Purpose of loan: pay all debts
This loan will be used to...consolidate personal loans and tax debts

My financial situation: fair
I am a good candidate for this loan because...I am fresh off a bankruptcy do to a divorce. I have a solid work history and prior to my seperation, had a good credit score and would like to rebuild it to its former rating.


Monthly net income: $ 1600-2000
Monthly expenses: $ 1415
Housing: $480
Insurance: $30
Car expenses: $150
Utilities: $60
Phone, cable, internet: $120
Food, entertainment: $150
Clothing, household expenses: $25
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522569
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: B Listing Duration: 14 days
Minimum Amount to Fund: $6,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $216.88
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1997 Debt/Income ratio: 21%
Credit score: 700-719 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 42 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,931Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: Yes  
Screen name: supergiant795 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
Striker927
Purpose of loan:
This loan will be used to pay off high interest credit card debt quickly.

My financial situation:
I am a good candidate for this loan because I am an accountant, I have a good credit score, have no children, I am married, and I have never been late on anything ever.


Monthly net income: $5000 ($8800 household)
Monthly expenses: $
Housing: $780
Insurance: $115
Car expenses: $800
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $1000
Clothing, household expenses: $300
Credit cards and other loans: $700
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522575
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*: 16.50%  
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*: 12.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Sep-1999 Debt/Income ratio: 22%
Credit score: 720-739 (Aug-2011) Inquiries last 6m: 5Employment status:Other
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,729Stated income:$1-$24,999
Delinquencies in last 7y: 2 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: revenue-leather3 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Quig
Purpose of loan:
This loan will be used to...Pay down 2 off some medical bills

My financial situation: Is stable
I am a good candidate for this loan because...I stay current on my bills and pay them on time to maintain good credit


Monthly net income: $2400
Monthly expenses: $
Housing: $1100
Insurance: $
Car expenses: $0
Utilities: $116
Phone, cable, internet: $40
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522605
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
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-1994 Debt/Income ratio: 32%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 30 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,232Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: unbeatable-silver4 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
Short-Term Loan
Purpose of loan:
This loan will be used as a short-term loan.

My financial situation:
I am a good candidate for this loan because I have over 15 years of credit history with zero negative factors.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522617
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: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $183.25
 
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: Nov-1993 Debt/Income ratio: 17%
Credit score: 760-779 (Aug-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:15y 9m
Amount delinquent: $0 Total credit lines: 34 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $27,187Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: fastnova Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 35 ( 100% ) 760-779 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
760-779 (Aug-2008)
 
Principal balance: $515.45 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
PURCHASE OF A SLEEP NUMBER BED
Purpose of loan: I need to purchase a SLEEP NUMBER BED for my mother, that suffers from fybromaliaga.... These beds ain't cheap.


I am a good candidate for this loan because... Sep. 5th 2011, I will have paid off a 3yrs prosper loan of $15,000 (NEVER MISSED A PAYMENT)


My financial situation: Working on my 16th year with current employer (FORD MOTOR CO.) .... I have a very secure job!!!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522623
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: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $244.92
 
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: Dec-1993 Debt/Income ratio: 7%
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 39 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $298Stated income:$50,000-$74,999
Delinquencies in last 7y: 26 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: dough-buffalo0 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
Back on track for a couple of years
Purpose of loan: This loan will be used to buy a snowmobileMy financial situation: I am a good candidate for this loan because I have an excellent job and am making much more than I spend. I made some mistakes a few years ago and I am in the process of rebuilding my credit. Monthly net income: $4200Monthly expenses: $2300Housing: $800Insurance: $100Car expenses: $400Utilities: $85Phone, cable, internet: $100Food, entertainment: $400Clothing, household expenses: $300Credit cards and other loans: $125Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522641
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: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $244.92
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-2004 Debt/Income ratio: 19%
Credit score: 660-679 (Aug-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 28 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $434Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: income-fort5 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
Assistant Manager
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2750
Monthly expenses: $620
Housing: $400
Insurance: $50
Car expenses: $0
Utilities: $0
Phone, cable, internet: $50
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $20
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522765
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $191.73
 
Lender servicing fee: 1.00% Effective Yield*: 24.52%  
Estimated return*: 9.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Feb-1997 Debt/Income ratio: 47%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 16 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,177Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: transparency-bison 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
grandson
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522843
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): 4 First credit line: Oct-1998 Debt/Income ratio: 28%
Credit score: 640-659 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 17 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,643Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: point-topper0 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
680-699 (Jul-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...I just got a promotion at work. This new position requires me to travel for 1-2 weeks per month. The company doesn't issue a company credit card. (the company will reimburse my travel expenses)
My financial situation: Good
I am a good candidate for this loan because...It took me years to rebuild my credit after my divorce... I will do everything in my power to not have to do that again.

Monthly net income: $6500
Monthly expenses: $2200
Housing: $
Insurance: $130
Car expenses: $300
Utilities: $
Phone, cable, internet: $197
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $202(after I pay off the credit cards
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522867
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-2005 Debt/Income ratio: 20%
Credit score: 760-779 (Aug-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 20Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 25 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $725Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: red-responsibility-shower Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan CC
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522873
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): 5 First credit line: Dec-2007 Debt/Income ratio: Not calculated
Credit score: 640-659 (Aug-2011) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 15Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,639 
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: Netsirksmada Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 32 ( 91% ) 640-659 (Latest)
Principal borrowed: $1,500.00< 31 days late: 3 ( 9% )  
580-599 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Vet Bills and Parents!
Purpose of loan:
This loan will be used to help pay for veterinary bills for my dog and to pay my parents back for all of the help they gave me when I was moving.

My financial situation:
I am a good candidate for this loan because I am a responsible person who is working towards a Bachelors degree in Education and who is eager to work full time. I have a very good job opportunity coming up in the financial industry that I start on September 1st. After that time, my salary will increase.


Monthly net income: $2200
Monthly expenses: $1400
Housing: $993
Insurance: $150
Utilities: $50
Phone, cable, internet: $100
Food, entertainment: $100
Credit cards and other loans: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522885
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $265.33
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-2005 Debt/Income ratio: 9%
Credit score: 640-659 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:2y 11m
Amount delinquent: $281 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $374Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: balance-sage4 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
captgulf
Purpose of loan:
This loan will be used to...to consolidate debt and fixup inherited home in order to sell it.

My financial situation:
I am a good candidate for this loan because...my debt to income ratio is low and I'll be utilizing proceeds from sell of home to payoff the loan


Monthly net income: $8100
Monthly expenses: $3675
Housing: $1400
Insurance: $135
Car expenses: $350
Utilities: $310
Phone, cable, internet: $300
Food, entertainment: $800
Clothing, household expenses: $70
Credit cards and other loans: $70
Other expenses: $
119
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522891
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $81.64
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1991 Debt/Income ratio: Not calculated
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,517Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: spirited-order9 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal
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: $

Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522909
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $326.55
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1995 Debt/Income ratio: 23%
Credit score: 780-799 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 51 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: bold-loyalty-excellency 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
Highland
Purpose of loan:
This loan will be used to...
Purchase a boat.
My financial situation:
I am a good candidate for this loan because... My husband and I together make 130000.00 annually, we had children and they had medical issues as newborn children. Our credit reflects past problems, and they have been resolved. We are financially stable now


Monthly net income: $6500.00 and my husband 4000.00
Monthly expenses: $6000.00
Housing: $ 1700.00
Insurance: $ 250.00
Car expenses: $ 500.00
Utilities: $ 230.00
Phone, cable, internet: $ 200.00
Food, entertainment: $ 200.00
Clothing, household expenses: $ 0.00
Credit cards and other loans: $ 250.00
Other expenses: $
Gas and other expenses are around 1800.00 a month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 522939
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: $11,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $8,050 Estimated loss*: 6.10%  
Term: 60 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 24.25% Monthly payment: $317.55
 
Lender servicing fee: 1.00% Effective Yield*: 20.50%  
Estimated return*: 14.40%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2000 Debt/Income ratio: 30%
Credit score: 760-779 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 53 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,056Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: aggresive-moola9 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 760-779 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
740-759 (Jan-2011)
 
Principal balance: $12,894.72 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
My loan for home improvement
Purpose of loan: Home Improvement
This loan will be used to... replace air conditioner

My financial situation: Great
I am a good candidate for this loan because... steady professional job and perfect payment history.


Monthly combined net income: $ 7,300
Monthly expenses: $ 3201.00
Housing: $ 1181.00
Insurance: $ 120.00
Car expenses: $ 0.00
Utilities: $ 200.00
Phone, cable, internet: $ 300.00
Food, entertainment: $ 50.00
Clothing, household expenses: $ 50.00
Credit cards and other loans: $ 900.00
Other expenses: $
Information in the Description is not verified.