Listing Report:Supplement No. 90 dated Sep 05, 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 517662
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): 3 First credit line: Jul-1998 Debt/Income ratio: 35%
Credit score: 700-719 (Sep-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 20 / 22Length of status:5y 7m
Amount delinquent: $301 Total credit lines: 69 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,368Stated income:$75,000-$99,999
Delinquencies in last 7y: 11 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: adventurous-dollar9 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan: To help pay board licensure and other certifications before being able to practice as an APRN.
This loan will be used to...pay off as many loans to be able to combine into one monthly payment.

My financial situation:
I am a good candidate for this loan because...
This will allow me to become closer to being debt free quicker.

Monthly net income: $85,000
Monthly expenses: $
Housing: $1800.00
Insurance: $200.00
Car expenses: $820.00
Utilities: $ payed by significant other
Phone, cable, internet: $payed by significant other
Food, entertainment: $payed by significant other
Clothing, household expenses: $payed by significant other
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 519144
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: $9,450 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: Nov-1993 Debt/Income ratio: 7%
Credit score: 700-719 (Sep-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 4 Revolving credit balance: $5,305Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: proper-deal6 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
Consolidating Remaining Debt
Purpose of loan: Consolidate my remaining debt
This loan will be used to...tie all remaining unsecured debt I have into a single loan with a lower payment

My financial situation: I am employed full time as a network engineer in a stable company.
I am a good candidate for this loan because...I have worked consistently over the last few years to reduce expenses, and this loan will consolidate my remaining unsecured debt into a single loan with a lower payment than the combined total payments of the existing debt.


Monthly net income: $4700 (after deducting $1100 for 401k)
Monthly expenses: $1400 (including housing)
Housing: $650
Insurance: $120
Car expenses: $0 (car paid off)
Utilities: $0 (Included in Housing)
Phone, cable, internet: $120
Food, entertainment: $600
Clothing, household expenses: $200
Credit cards and other loans: $460 (to be paid off with this loan)
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 524102
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-2001 Debt/Income ratio: 24%
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 9 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,348Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: starter561 Borrower's state: Oregon 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
be debt free
Purpose of loan: debt consolidation
This loan will be used to...combine all debt into one finance payment

My financial situation: tired of combined interest being 120%-130%
I am a good candidate for this loan because...by lowering all that interest I can pay more towards One loan and be debt free faster, I can afford the monthly loan amount, I can pay off this loan if you'll loan to me. Thank you.


Monthly net income: $1300
Monthly expenses: $
Housing: $600
Insurance: $60
Car expenses: $60
Utilities: $60
Phone, cable, internet: $40
Food, entertainment: $100
Clothing, household expenses: $40
Credit cards and other loans: $420
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 524964
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1990 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Aug-2011) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:10y 8m
Amount delinquent: $168 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,820Stated income:$1-$24,999
Delinquencies in last 7y: 2 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: cerebral-gold765 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
Star
Purpose of loan:
This loan will be used to...help with my off season financial challenges. (I practice therapeutic horseriding with special needs kids and the Summer heat was a scorcher this year!!)

My financial situation:
I am a good candidate for this loan because..the beginning of the school year is when my students increase along with financial relief.


Monthly net income: $2000
Monthly expenses: $500
Housing: $180
Insurance: $100
Car expenses: $50(I drive a motorcycle)
Utilities: $200
Phone, cable, internet: $800
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $4000
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525210
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): 5 First credit line: Aug-2001 Debt/Income ratio: 6%
Credit score: 720-739 (Sep-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 9Length of status:3y 4m
Amount delinquent: $455 Total credit lines: 23 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $237,103Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: social-enclave Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan:
This loan will be used to...

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


Monthly net income: $80000
Monthly expenses: $300
Housing: $3000
Insurance: $146
Car expenses: $0
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525244
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $128.28
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
Estimated return*: 11.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-2003 Debt/Income ratio: Not calculated
Credit score: 720-739 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,961Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: renewal1 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 18 ( 95% ) 720-739 (Latest)
Principal borrowed: $2,200.00< 31 days late: 1 ( 5% )  
780-799 (Nov-2009)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
Internship living exp. debt consoli
Purpose of loan:
This loan will be used to help for living expenses, debt consolidation, and medical supplies while completing my internship in medical laboratory science in Grand Junction, CO. Expected completion date is December 2011.

My financial situation:
I am a good candidate for this loan because I am a previous Prosper customer who has paid a $2200 loan in less than 1.5 years. I also paid off my car in late March 2011, which is 2 years early.


Monthly net income: $2000
Monthly expenses: $
Housing: $1100
Insurance: $50
Car expenses: $50
Utilities: $60
Phone, cable, internet: $80
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525310
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,300.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,300 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $84.30
 
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-1995 Debt/Income ratio: 33%
Credit score: 660-679 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 5Length of status:18y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,934Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: camaraderi-web Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
660-679 (Jul-2010)
 
Principal balance: $747.92 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Auto Payoff
Purpose of loan:
This loan will be used to pay off a car that I co-signed for a nephew and now he is not able to pay. There are 3-4 payments left.

My financial situation:
I am a good candidate for this loan because... I have been responsible and trying my best to improve as time goes by and believe I am.


Monthly net income: $1155.00
Monthly expenses: $
Housing: $
Insurance: $50.00
Car expenses: $50.00--fuel
Utilities: $132.00--gas and electricity
Phone, cable, internet: $158.00
Food, entertainment: $75.00
Clothing, household expenses: $60.00
Credit cards and other loans: $300.00--including Prosper
Other expenses: $240.00--lot rent which covers- land lease--water-sewer-trash pick-up
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525392
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: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $408.20
 
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: Apr-1994 Debt/Income ratio: 4%
Credit score: 760-779 (Sep-2011) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 3 Current / open credit lines: 4 / 2Length of status:0y 7m
Amount delinquent: $14,440 Total credit lines: 21 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $301Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: liberty-magnitude Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan: Consolidate debt
This loan will be used to...Pay off credit card that I used to pay for my mother's funeral

My financial situation:
I am a good candidate for this loan because I am expecting an inheritance shortly and will be able to pay off the loan within 6 months


Monthly net income: $6,600
Monthly expenses: $
Housing: $1,500
Insurance: $400
Car expenses: $0
Utilities: $500
Phone, cable, internet: $300
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525660
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): 5 First credit line: Mar-1993 Debt/Income ratio: 32%
Credit score: 760-779 (Sep-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 21Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 62 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,526Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: return-baker Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 760-779 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
800-819 (Nov-2009)
 
Principal balance: $4,548.05 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
debt loan
Purpose of loan: reduce debt
This loan will be used to...

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


Monthly net income: $7200
Monthly expenses: $6800
Housing: $1727
Insurance: $80
Car expenses: $500
Utilities: $350
Phone, cable, internet: $73
Food, entertainment: $400
Clothing, household expenses: $300
Credit cards and other loans: $1800
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525666
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: Sep-1983 Debt/Income ratio: 7%
Credit score: 680-699 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 1 / 1Length of status:2y 11m
Amount delinquent: $644 Total credit lines: 6 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: p2ploan-taxi 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
VF_Loan
Purpose of loan:
This loan will be used to...consolidate and pay down debts

My financial situation: Secured situation, as I recently got a second job doing accounting.
I am a good candidate for this loan because: With the busy accounting and tax season approaching I plan to used the extra income from the second job to pay off this loan ahead of time.


Monthly net income: $48,000
Monthly expenses: $200
Housing: $650
Insurance: $105
Car expenses: $225
Utilities: $175
Phone, cable, internet: $75
Food, entertainment: $300
Clothing, household expenses: $15
Credit cards and other loans: $90
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525708
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $238.90
 
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: Oct-1998 Debt/Income ratio: 10%
Credit score: 720-739 (Sep-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 34 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,075Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: dynamic-social6 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Young attorney consolidating debt
I?m looking to consolidate my credit card debt at a lower interest rate. I?m able to pay at least $500 each month toward this loan. I?m a 31-year-old attorney living and working in the Hartford, CT area. I?ve been steadily employed as an attorney for about 5 years and I?ve been a homeowner for 2 years. I?m not having problems making any of my mortgage, credit card or other bills, and I always pay more than the minimum on my mortgage and credit cards. Because of some high-interest rates (25% and 27%) on two cards that I used frequently during law school, however, it's taking a very long time for me to pay down my debt. I successfully paid off two smaller credit card balances and my car in the last two years, but I have been unable to make a significant dent in my larger balances. I recently got engaged. I?m determined to reduce these high-interest balances before my fianc? and I start living together and sharing finances. The only way to do that is to secure a lower interest rate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525714
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: $6,000 Estimated loss*: 10.00%  
Term: 36 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 27.47% Monthly payment: $235.37
 
Lender servicing fee: 1.00% Effective Yield*: 22.43%  
Estimated return*: 12.43%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-2000 Debt/Income ratio: 30%
Credit score: 660-679 (Sep-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 28 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,506Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: teachershelper Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 660-679 (Latest)
Principal borrowed: $9,900.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2007)
520-539 (Oct-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Teacher in need of home repairs
Purpose of loan: Unexpected home repairs
This loan will be used to... pay for septic tank problem and tree removal

My financial situation: Reserve cash is insufficient to manage unexpected repairs.
I am a good candidate for this loan because... My husband and I have received prosper loans before and have always paid on time. Our income is stable, but has not significantly increased at the rate of inflation.

Monthly net income: $ 4718
Monthly expenses: $ 3337
Housing: Two rental properties $ 1500
Insurance: $ 167
Car expenses: $ 0
Utilities: $ 350.00
Phone, cable, internet: $ 220.00
Food, entertainment: $ 600
Clothing, household expenses: $ 300
Credit cards and other loans: $ 200
Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525726
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): 3 First credit line: Nov-1991 Debt/Income ratio: 21%
Credit score: 660-679 (Sep-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 5Length of status:1y 5m
Amount delinquent: $128 Total credit lines: 26 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $588Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: ore-bandit 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
720-739 (Sep-2010)
 
Principal balance: $2,297.36 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
consoldate
Purpose of loan:
I am trying to consolidate high interest credit card payments and a couple of medical bills into one payment a month.

My financial situation:
I am a good candidate for this loan because I do pay my bills on time and I am trying to get a little ahead. I also have an existing loan with Prosper and I have paid on time every month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 524705
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $326.55
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-1982 Debt/Income ratio: 40%
Credit score: 760-779 (Aug-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,372Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: dominator281 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
AUTOMOTIVE SERVICE AND REPAIR
Purpose of loan: TO FUND AN AUTOMOTIVE SERVICE AND REPAIR FACILITY.
This loan will be used to...TO ESTABLISH AN AUTOMOTIVE SERVICE AND REPAIR FACILITY, WITH A.S.E. AND FACTORY CERTIFIED TECHNICIANS, WHILE AT THE SAME TIME PROVIDING DEALER TYPE SERVICE AT AN AFFORDABLE PRICE.

My financial situation: GOOD / STABLE
I am a good candidate for this loan because...I'M CURRENTLY EMPLOYED,HAVE A STABLE WORK HISTORY, AND KEEPING THIS LOAN UP TO DATE AND IN GOOD STANDING, LIKE MY OTHER FINANCES IS MY NUMBER ONE PRIORITY.


Monthly net income: $2988.00
Monthly expenses: $
Housing: $550.00
Insurance: $109.00
Car expenses: $
Utilities: $125.00
Phone, cable, internet: $60.00
Food, entertainment: $160.00
Clothing, household expenses: $
Credit cards and other loans: $580.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $259.35
 
Lender servicing fee: 1.00% Effective Yield*: 17.68%  
Estimated return*: 11.73%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1999 Debt/Income ratio: 8%
Credit score: 740-759 (Aug-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,273Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: listing-horse6 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Expanding Fast
Purpose of loan: To expand my small business project to the world
This loan will be used to...Initiate faster development, more aggressive marketing, and international expansion.

My financial situation:
I am a good candidate for this loan because...I pay all my bills, having over 700 fico score. My small business brings in revenue, and currently undergoing a growth phase. I need more funding in order to expand. I've done excellent with start up and expansion with a small budget, however, with an increase in funds, i can use it wisely, and expand tremendously.


Monthly net income: $ 7500
Monthly expenses: $200
Housing: $1100
Insurance: $100
Car expenses: $0
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $0 (full time job provides breakfast, lunch, dinner)
Clothing, household expenses: $0
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525247
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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 14.70%  
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*: 29.57%  
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: Dec-2006 Debt/Income ratio: 8%
Credit score: 680-699 (Sep-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 7 Occupation: Laborer
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: exact-peace9 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to improve and purchase things in my new apartment.
My financial situation:
I am a good candidate for this loan because I am a responsible person and have never been late on any payments.


Monthly net income: $1900
Monthly expenses: $850
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525259
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $142.87
 
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-1993 Debt/Income ratio: 21%
Credit score: 680-699 (Sep-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,331Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: sophisticated-euro4 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
NR1070
Purpose of loan:
This loan will be used to...Debt Comsolidation/Engine Overhaul

My financial situation:
I am a good candidate for this loan because...I will repay it. I have a steady income and plans in the near future after certification to offer PT childcare service.

Monthly net income: $1488
Monthly expenses: $180
Housing: $290
Insurance: $
Car expenses: $40
Utilities: $0
Phone, cable, internet: $45
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $56
Other expenses: $25
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525413
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: $4,200 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: Jul-2003 Debt/Income ratio: 18%
Credit score: 740-759 (Sep-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 14 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,371Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: diverse-dinero3 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Small Business Expanding
Purpose of loan:
This loan will be used to purchase new mats and training equipment for my martial arts school. We have been in business for over a year, and are expanding rapidly.

My financial situation:
I am a good candidate for this loan because I have good credit, and my business is established and growing.


Monthly net income: $5300
Monthly expenses: $2600
Housing: $940
Insurance: $100
Car expenses: $720
Utilities: $300
Phone, cable, internet: $200
Credit cards and other loans: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525425
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): 5 First credit line: Mar-2002 Debt/Income ratio: 21%
Credit score: 760-779 (Sep-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 11 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $425Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: Yes  
Screen name: exchange-steward4 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
Needed money for short term
Purpose of loan:
This loan will be used to paying down debts

My financial situation:
I am a good candidate for this loan because I have not missed a payment on any of my accounts. I want to pay off all my debts quickly and try to life my life without debt.

Monthly net income: $2,668.78
Monthly expenses: $ 2200
Housing: $ 711
Insurance: $46
Car expenses: $50
Utilities: $150
Phone, cable, internet: $40
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $400
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525437
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $72.29
 
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: Jan-2003 Debt/Income ratio: 12%
Credit score: 720-739 (Sep-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:16y 1m
Amount delinquent: $409 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $530Stated income:$1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: unrivaled-dollar7 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1050.00
Monthly expenses: $135.00
Housing: $0
Insurance: $40.00
Car expenses: $0
Utilities: $400.00
Phone, cable, internet: $60.00
Food, entertainment: $300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $50.00
Other expenses: $50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525663
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1997 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Sep-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,597Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: truth-achievement3 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
Start up funding
Purpose of loan:
to trun my small wholesale company in to a reatial location

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


Monthly net income: $15.000
Monthly expenses: $
Housing: $1900
Insurance: $233.00
Car expenses: $0
Utilities: $1300
Phone, cable, internet: $
Food, entertainment: $2000
Clothing, household expenses: $250
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525699
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $108.44
 
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: May-2002 Debt/Income ratio: 22%
Credit score: 700-719 (Sep-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 16 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,799Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: halo999 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
Personal Loan
No description was provided by the borrower.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525705
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $259.35
 
Lender servicing fee: 1.00% Effective Yield*: 17.68%  
Estimated return*: 11.73%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-2001 Debt/Income ratio: 21%
Credit score: 720-739 (Sep-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 17 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,781Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: liberty-supporter1 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
maindoor5
Purpose of loan: consolodate expenses
This loan will be used to...pay off car loand and credit cards

My financial situation: Mainsource bank
I am a good candidate for this loan because...I have always paid my debts on time on time and have a good income


Monthly net income: $ 3505.30
Monthly expenses: $1200.00
Housing: $ provided by job no rent
Insurance: $ 650 per year
Utilities: $125.per month
Phone, cable, internet: $210.00
Food, entertainment: $ 100.00 per month












Clothing, household expenses: $75 per month
Credit cards and other loans: $500.00 per month
Other expenses: $ music lessons 75 per month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 525717
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,200.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,240 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $130.62
 
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-1996 Debt/Income ratio: 12%
Credit score: 660-679 (Sep-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 6Length of status:11y 3m
Amount delinquent: $367 Total credit lines: 15 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,894Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: vitovegimatix Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit card debt consolidation
Purpose of loan:
This loan will be used to...pay off credit cards, get a single fixed payment.

My financial situation:
I am a good candidate for this loan because...I've been steadily employed with the same employer for over a decade. I had some unexpected expenses crop up over the past several years (vet, car, medical), and unfortunately my credit cards wound up overused to compensate. Right now I'm paying my CC companies about double what my monthly Prosper payment would be (with a good chunk of that going towards interest and fees), so I expect there will be no issues making this monthly payment. My credit, I'll admit, is not the greatest, and I'm working on rebuilding it after a rough post-college start. For what it's worth, I haven't been late on a payment for at least 4 years (and I haven't flat-out missed a payment in almost a decade), and I have no intention of missing anything going forward. Thank you for your time/consideration.
Information in the Description is not verified.