Listing Report:Supplement No. 27 dated Oct 23, 2011 to Prospectus dated Oct 07, 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 Oct 07, 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 Oct 07, 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 531042
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $216.36
 
Lender servicing fee: 1.00% Effective Yield*: 29.09%  
Estimated return*: 14.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Apr-1988 Debt/Income ratio: 26%
Credit score: 780-799 (Oct-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:18y 0m
Amount delinquent: $0 Total credit lines: 80 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,645Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: top-aggresive-transaction 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
steves loans
Purpose of loan:
This loan will be used to..pay down debt I owe..

My financial situation:
I am a good candidate for this loan because..I am never late on my bills. If I get this loan it will help me out so much.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 531594
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: $17,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $12,250 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $597.26
 
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): 8 First credit line: Oct-2000 Debt/Income ratio: 8%
Credit score: 780-799 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 4 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $130Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: red-joyful-point9 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
Business Use
Purpose of loan:
This loan will be used to...expand and grow my business.

My financial situation:
I am a good candidate for this loan because... the medical field is expanding every year and is a billion dollar business.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 532410
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: $8,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $290.10
 
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: Aug-1995 Debt/Income ratio: 8%
Credit score: 760-779 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $332Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: red-pound-chemistry 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
red-pound-chemistry
Purpose of loan: Personal
This loan will be used to... Help my brother pay the leasing company so he can keep his family van. The lease term is up and due to the milage being way over the limit, he either pays the balance due and keeps the van, or loses the van but still has to pay the amount owed.

My financial situation: Is very stable. I made $63,000 last year and will make roughly the same this year. My only monthly obligation is my home mortgage ($1177.00). Utilities, cell and cable are slightly less than $500.00. Add a little for food and extras, and adding this loan payment (in the very unlikely event my brother doesn't pay me monthly) won't be any problem whatsoever.
I am a good candidate for this loan because... In addition to having over $1000.00 disposable income every month, I am very cognizant of my credit and will do whatever is necessary to keep it as high as I can. I (we) have every intention of having this loan paid off in well under 3 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534068
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 3.80%  
Term: 12 months  
 
Lender yield: 9.70% Borrower rate/APR: 10.70% / 16.51% Monthly payment: $352.97
 
Lender servicing fee: 1.00% Effective Yield*: 9.67%  
Estimated return*: 5.87%  
* 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): 8 First credit line: Mar-1997 Debt/Income ratio: 17%
Credit score: 780-799 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 14 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $925Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: brilliant-asset99 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
One-time apartment expenses
Purpose of loan:
This loan will be used to make it easier to pay for a new apartment deposit, plus first and last months rent, and miscellaneous related expenses.

My financial situation:
I am a good candidate for this loan because I have good credit and a steady job. I can pay the loan off after a relatively short amount of time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534168
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: $10,722.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,722 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $387.57
 
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: Dec-1992 Debt/Income ratio: 21%
Credit score: 760-779 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:14y 5m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,006Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: pound-portait6 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
Financial Freedom
Purpose of loan:
This loan will be used to consolidate credit cards and pay off some other outstanding debts...

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


Monthly net income: $2500
Monthly expenses: $
Housing: $600
Insurance: $40
Car expenses: $200
Utilities: $200
Phone, cable, internet: $75
Food, entertainment: $50
Clothing, household expenses: $10
Credit cards and other loans: With this loan all that will remain is mortgage (housing above)
Other expenses: Day Care = $330, Cell = $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534442
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $221.57
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1991 Debt/Income ratio: 10%
Credit score: 640-659 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 55 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,219Stated income:$25,000-$49,999
Delinquencies in last 7y: 39 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: silver-accruer 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
SAWYER123
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3500.00
Monthly expenses: $1700.00
Housing: $0
Insurance: $200.00
Car expenses: $0
Utilities: $300.00
Phone, cable, internet: $200.00
Food, entertainment: $400.00
Clothing, household expenses: $200.00
Credit cards and other loans: $200.00
Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534776
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $253.03
 
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: Dec-2000 Debt/Income ratio: 19%
Credit score: 680-699 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,926Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: upbeat-cash0 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
financial freedom
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2300
Monthly expenses: $
Housing: $500
Insurance: $50
Car expenses: $60
Utilities: $50
Phone, cable, internet: $8
Food, entertainment: $75
Clothing, household expenses: $
Credit cards and other loans: $287
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534782
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: $4,600.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,220 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $185.31
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Dec-1995 Debt/Income ratio: 16%
Credit score: 720-739 (Oct-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 22 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,455Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: No  
Screen name: calm-nickel9 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
I need some help
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534816
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: $2,900.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,030 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $116.83
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1993 Debt/Income ratio: 23%
Credit score: 820-839 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:21y 1m
Amount delinquent: $0 Total credit lines: 28 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,681Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: transporter511 Borrower's state: Utah 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
get money
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534818
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $682.58
 
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: Dec-2000 Debt/Income ratio: 22%
Credit score: 740-759 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 41 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,445Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: top-exchange-gargantuan Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off credit cards

My financial situation:
I am a good candidate for this loan because I have never been late on any payments, I make more than the minimum payments and have been employed for over 10 years with dual income.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534824
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 24.74% Borrower rate/APR: 25.74% / 29.25% Monthly payment: $220.84
 
Lender servicing fee: 1.00% Effective Yield*: 24.13%  
Estimated return*: 13.63%  
* 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: Aug-1993 Debt/Income ratio: 36%
Credit score: 680-699 (Oct-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 18Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 43 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,179Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: frog74 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
680-699 (Nov-2010)
 
Principal balance: $1,628.99 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Money for House Improvments
Purpose of loan:
This loan will be used to... Make some home improvments to close the gap between what we owe on our house versus what it's market value is

My financial situation: Good, I have a good job and a great future
I am a good candidate for this loan because... I always pay my bills


Monthly net income: $4100
Monthly expenses: $
Housing: $1000
Insurance: $250
Car expenses: $200
Utilities: $110
Phone, cable, internet: $300
Food, entertainment: $200
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534826
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: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $402.85
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* 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-2003 Debt/Income ratio: 26%
Credit score: 720-739 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 8 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,016Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: first-class-dinero5 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...
Pay back money borrowed.

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

I am getting out of an apartment lease that has gotten me into a lot of debt. I am moving into a much more reasonable place where I am able to use the extra money to pay for this loan. I do not have a car or an insurance payment. I have a good credit score and I pay all my bills on time.

Monthly net income: $2,000.00
Monthly expenses: $1,500.00
Housing: $800.00
Insurance: $0.00
Car expenses: $0.00
Utilities: $75.00
Phone, cable, internet: $50.00
Food, entertainment: $100.00
Clothing, household expenses: $50.00
Credit cards and other loans: $0.00
Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534852
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: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $241.71
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* 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: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Oct-2011) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 16 Occupation: Engineer - Chemical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,017Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: justice-mammal8 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
fix house
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534854
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*: 14.90%  
Term: 36 months  
 
Lender yield: 30.60% Borrower rate/APR: 31.60% / 35.24% Monthly payment: $324.99
 
Lender servicing fee: 1.00% Effective Yield*: 29.20%  
Estimated return*: 14.30%  
* 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: Jan-1994 Debt/Income ratio: 29%
Credit score: 600-619 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 11 / 10Length of status:31y 5m
Amount delinquent: $261 Total credit lines: 41 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,043Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: nimble-responsibility 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: 11 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
700-719 (Sep-2010)
680-699 (Aug-2010)
 
Principal balance: $2,235.23 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Final stage of being debt free
Purpose of loan:
This loan will be used to pay off my last 3 big bills. By consolidating these last three bills, this will let me pay them off earlier and have lower payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534856
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: Nov-1979 Debt/Income ratio: 6%
Credit score: 720-739 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:0y 1m
Amount delinquent: $48 Total credit lines: 21 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $848Stated income:$1-$24,999
Delinquencies in last 7y: 17 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: winnings 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
debt help
Purpose of loan:
This loan will be used to...improve

My financial situation:
I am a good candidate for this loan because...I am determined to achieve financial freedom


Monthly net income: $1,300
Monthly expenses: $
Housing: $0
Insurance: $80 (car)
Car expenses: $120 (gas only)
Utilities: $75 -- electric bill only (would like to pay off $800 oil bill)
Phone, cable, internet: $180
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $450 (only 3 payments left and under control) but would like to make half payment on 1,000 Care Card for Veterinary expenses
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534862
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $216.36
 
Lender servicing fee: 1.00% Effective Yield*: 29.09%  
Estimated return*: 14.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1999 Debt/Income ratio: 19%
Credit score: 660-679 (Sep-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 2Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 31 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $27Stated income:$25,000-$49,999
Delinquencies in last 7y: 49 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: determined-repayment676 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to pay off existing debt in order to free up monthly cash flow.

My financial situation:
I am a good candidate for this loan because I always repay my debts and have the means to do so. My total yearly income is well over $80k, with a base of $25k per year, so worst case scenario I will not make less than $25k and can easily repay the loan.


Monthly net income: $3000
Monthly total expenses: $2550
Housing: $600
Insurance: $100
Car expenses: $300
Utilities: $200
Phone, cable, internet: $250
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534866
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 1.50%  
Term: 36 months  
 
Lender yield: 7.54% Borrower rate/APR: 8.54% / 8.88% Monthly payment: $126.34
 
Lender servicing fee: 1.00% Effective Yield*: 7.54%  
Estimated return*: 6.04%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jan-1989 Debt/Income ratio: 10%
Credit score: 820-839 (Oct-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,126Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: poetic-credit855 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
for marriage
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534872
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: $2,700.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,700 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $116.83
 
Lender servicing fee: 1.00% Effective Yield*: 29.09%  
Estimated return*: 14.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-1985 Debt/Income ratio: 19%
Credit score: 680-699 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 13 / 7Length of status:1y 8m
Amount delinquent: $12,082 Total credit lines: 49 Occupation: Clerical
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $1,316Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: jeniwren 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
jeffie10
Purpose of loan:
This loan will be used to move to my new location for my job. My expenses have brought me here for help. I am working at building my credit back up due to some unfortunate debt I am trying hard to pay off and as I stated previously I am relocating to a new area for my job which is a great smart move on my part and need additional funds to help me make this move successful..

My financial situation:
I am a good candidate for this loan because...
I have an excellent job but live paycheck to paycheck.

Monthly net income: $40,000.00
Monthly expenses: $2.255.00
Housing: $700.00
Insurance: $150.00
Car expenses: $350.00
Utilities: $55.00
Phone, cable, internet: $150.00
Food, entertainment: $200.00
Clothing, household expenses: $150.00
Credit cards and other loans: $500.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534888
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 15.56% Borrower rate/APR: 16.56% / 18.75% Monthly payment: $460.64
 
Lender servicing fee: 1.00% Effective Yield*: 15.29%  
Estimated return*: 10.09%  
* 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-1990 Debt/Income ratio: 7%
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:18y 6m
Amount delinquent: $0 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $377,716Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: believeingoodness 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 / 2 On-time: 22 ( 100% ) 700-719 (Latest)
Principal borrowed: $35,000.00< 31 days late: 0 ( 0% )  
740-759 (Dec-2010)
680-699 (Apr-2008)
 
Principal balance: $11,787.27 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
Equipment to expand business
Purpose of loan:
This loan will be used to buy new pieces of equipment that will increase business efficiency and sales. Total cost of equipment is $27,000 and I will use $14,000 of my own cash for the balance.

My financial situation:
I am a good candidate for this loan because I have used Prosper previously and have been an excellent borrower. I have and continue to pay all bills on time and my business is doing well. We are up same store sales year over year over 130%. I can borrow from equipment leasing company but these rates are better.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534890
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: E Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 30.60% Borrower rate/APR: 31.60% / 35.24% Monthly payment: $303.33
 
Lender servicing fee: 1.00% Effective Yield*: 29.20%  
Estimated return*: 14.30%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-1995 Debt/Income ratio: 19%
Credit score: 640-659 (Oct-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 8 Current / open credit lines: 5 / 5Length of status:6y 2m
Amount delinquent: $44,036 Total credit lines: 23 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $1,275Stated income:$25,000-$49,999
Delinquencies in last 7y: 51 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: sublime-peso Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 19 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
700-719 (Feb-2010)
 
Principal balance: $1,702.17 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
domspin
Purpose of loan:
This loan will be used to...

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


Monthly net income: 3,300 Monthly expenses: 11600 total Housing: 580.00 Insurance: 76.00Car expenses: 185.00 Utilities: 50.00 Phone 55.00, cable, internet: 117.00 120.00Food, entertainment: 25 Clothing, household expenses: 25 Credit cards and other loans: 250 Other expenses: 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534898
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: May-1969 Debt/Income ratio: Not calculated
Credit score: 760-779 (Oct-2011) Inquiries last 6m: 3Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:21y 2m
Amount delinquent: $55 Total credit lines: 15Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,602 
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: inventive-deal8 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
spencer
Purpose of loan: rennovations
This loan will be used to...replace windows

My financial situation:
I am a good candidate for this loan because... I am responsible for paying back the loan


Monthly net income: $ 6,000
Monthly expenses: $2500
Housing: $900
Insurance: $80
Car expenses: $0
Utilities: $100
Phone, cable, internet: $90
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534900
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 10.10% Borrower rate/APR: 11.10% / 13.22% Monthly payment: $131.14
 
Lender servicing fee: 1.00% Effective Yield*: 10.07%  
Estimated return*: 8.07%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-2006 Debt/Income ratio: 18%
Credit score: 760-779 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 4 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,101Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: SSRACER05 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 100% ) 760-779 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
720-739 (May-2008)
740-759 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Moving to the UK.
I have currently been serving in the United States Air Force as an E-5/SSgt and have been selected to move back to the UK. I am looking to receive a small loan to assist me in some of the expenses that I will receive during my move. This will be my second loan through prosper.com, the first one has already been paid off with zero problems at all. I am a great candidate for this loan because I have a steady job and plan on having the same job for many years to come. Thanks in advance to all of the lenders that are willing to assist me with this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534924
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: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $126.52
 
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): 9 First credit line: Apr-1984 Debt/Income ratio: 12%
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,690Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: best-decisive-money 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
miss L
Purpose of loan:
This loan will be used to...pay off some dept, get caught up, and put a little in savings for future needs.

My financial situation:
I am a good candidate for this loan because...I have just struggled the last couple years. I do not like being late or owing any extra money. I am almost in a good position. Have paid off and or gotten rid of several bills lately. My mom lives with me has been ill lately she also helps with the bills.

Monthly net income: $2550
Monthly expenses: $2130
Housing: $1200
Insurance: $
Car expenses: $60.00
Utilities: $250.00
Phone, cable, internet: $110.00
Food, entertainment: $300.00
Clothing, household expenses: $60.00
Credit cards and other loans: $150.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 533167
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $120.86
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* 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-2007 Debt/Income ratio: 6%
Credit score: 640-659 (Oct-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,585Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: diversification-bopbop-a-loobop7 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
Bridge To Start Up
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534215
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 24.74% Borrower rate/APR: 25.74% / 29.25% Monthly payment: $200.76
 
Lender servicing fee: 1.00% Effective Yield*: 24.13%  
Estimated return*: 13.63%  
* 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-1999 Debt/Income ratio: 15%
Credit score: 620-639 (Oct-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 28 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,913Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: Rodneywa2002 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 / 3 On-time: 22 ( 100% ) 620-639 (Latest)
Principal borrowed: $17,600.00< 31 days late: 0 ( 0% )  
740-759 (Aug-2010)
700-719 (Apr-2009)
740-759 (Jul-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
Home Fix up
Purpose of loan:
This loan will be used to tile my dinening room and kitchen floor. need money now. bad timing. paid to have house painted, gave relative money to help with down payment on house, car broke, bought new one. Perfect storm :)

My financial situation:
I am a good candidate for this loan because steady job, no car payment. paid off several prosper loans


Monthly net income: $4000
Monthly expenses: $
Housing: $1090
Insurance: $
Car expenses: $ low, van pool to work
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534373
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: 20.99% Borrower rate/APR: 21.99% / 23.48% Monthly payment: $276.13
 
Lender servicing fee: 1.00% Effective Yield*: 20.62%  
Estimated return*: 14.67%  
* 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): 8 First credit line: Jan-1999 Debt/Income ratio: 11%
Credit score: 760-779 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 33 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,813Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: natural-rate9 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
Safer home for children
Purpose of loan: Home Improvement
This loan will be used to renovate our kitchen and living space. It currently is in need of renovation. We want to make it more child friendly and add additional space utilization.

My financial situation: Strong and current
I am a good candidate for this loan because I have never missed a payment in over 12 years. I budget my expenses responsibility and will cut back in spending to ensure bills are paid. I believe in financial responsibility and demonstrate these traits regularly.


Monthly net income: $ 2700
Monthly expenses: $100
Housing: $1050
Insurance: $70
Car expenses: $0
Utilities: $125
Phone, cable, internet: $50
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $55
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534487
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: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $402.85
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* 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-2001 Debt/Income ratio: 11%
Credit score: 640-659 (Oct-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,425Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: sleepingbeaver Borrower's state: NewMexico 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 an auto purchase
Purpose of loan:
This loan will be used to to buy a 1998 Pontiac Trans Am WS6.

My financial situation:
I am a good candidate for this loan because I have a steady job with good income. My brother pays $500 a month rent and half the utilities. We have been living together for the past 6 years.


Monthly net income: $4100
Monthly expenses: $
Housing: $1617
Insurance: $112
Car expenses: $258
Utilities: $160
Phone, cable, internet: $80
Food, entertainment: $50
Clothing, household expenses: $100
Credit cards and other loans: $60
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534767
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: Dec-1997 Debt/Income ratio: 17%
Credit score: 680-699 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 16 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,217Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: balance-wildcat 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
emergency personal loan
Purpose of loan: Emergency personal loan
This loan will be used to... Pay off a couple bills before they become a problem

My financial situation: I'm currently in the Army so my financial situation is tipically very stable, but i had to help out some family members in need and it has made me a little short on funds the last couple of months.
I am a good candidate for this loan because... I have ten years in the Army and plan to serve another 10 years and retire. There will be no problem with making the payments on this loan.


Monthly net income: $ 4,323.00
Monthly expenses: $ 3,000.00
Housing: $ 1000.00
Insurance: $ 240.00
Car expenses: $ 270.00
Utilities: $ 0
Phone, cable, internet: $ 200.00
Food, entertainment: $ 300.00
Clothing, household expenses: $ 100.00
Credit cards and other loans: $ 300.00
Other expenses: $ 200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534791
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: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $151.45
 
Lender servicing fee: 1.00% Effective Yield*: 29.09%  
Estimated return*: 14.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1983 Debt/Income ratio: 22%
Credit score: 660-679 (Oct-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 6 Current / open credit lines: 5 / 5Length of status:3y 10m
Amount delinquent: $3,073 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,298Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: mrwildman 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
Coolman
Purpose of loan: payoff credit cards and invest in business.
This loan will be used to...payoff credit cards and invest in business.

My financial situation: Stable
I am a good candidate for this loan because... I will have this loan payoff before 3 years.


Monthly net income: $2428
Monthly expenses: $748
Housing: $
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534815
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $201.43
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1987 Debt/Income ratio: 15%
Credit score: 720-739 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 13 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,571Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: wampum-fort 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
DallasCowboys34
Purpose of loan:
This loan will be used to...Home upgrades for Appliances and out door fence.

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


Monthly net income: $6036
Monthly expenses: $
Housing: $2167
Insurance: $80
Car expenses: $873
Utilities: $150
Phone, cable, internet: $210
Food, entertainment: $250
Clothing, household expenses: $120
Credit cards and other loans: $250
Other expenses: $35
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534843
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: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $324.54
 
Lender servicing fee: 1.00% Effective Yield*: 29.09%  
Estimated return*: 14.39%  
* 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-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Oct-2011) Inquiries last 6m: 7Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:12y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $840Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: unbelievable-loot756 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
wedding
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534849
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $144.59
 
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-2005 Debt/Income ratio: 9%
Credit score: 740-759 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 7 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $137Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: progressive-loan3 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.
Description
Work Truck
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534855
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-1994 Debt/Income ratio: 11%
Credit score: 840-859 (Oct-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: velocity-allocator Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
house building
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $144.59
 
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-2007 Debt/Income ratio: 5%
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 3Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $86Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: jubilant-note5 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
I am going all the way to the top..
Purpose of loan:
This loan will be used to support myself while im doing a month internship this winter that i am not being paid for
My financial situation:
I am a good candidate for this loan because i have no outstanding debt and ill be able to pay the loan back very quickly and on time


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 534869
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: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $402.85
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* 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-1990 Debt/Income ratio: Not calculated
Credit score: 740-759 (Oct-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 19Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,917 
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: fulfilling-peso6 Borrower's state: Alabama 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
for new house
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534879
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: $2,900.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,030 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 15.56% Borrower rate/APR: 16.56% / 18.75% Monthly payment: $102.76
 
Lender servicing fee: 1.00% Effective Yield*: 15.29%  
Estimated return*: 10.09%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-2004 Debt/Income ratio: 25%
Credit score: 660-679 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 11 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $726Stated income:$25,000-$49,999
Delinquencies in last 7y: 19 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: gators_17 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
520-539 (Jul-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
My loan for home improvement
Purpose of loan:
This loan will be used to...
New furniture for my new place
My financial situation:
I am a good candidate for this loan because...
I am responsible with my bills and pay them on time

Monthly net income: $2400
Monthly expenses: $
Housing: $400
Insurance: $100
Car expenses: $400
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534885
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $322.28
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%  
Estimated return*: 13.17%  
* 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-1996 Debt/Income ratio: 27%
Credit score: 660-679 (Oct-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:12y 5m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,208Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: felicity-arrow6 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
happyg
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534901
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*: 5.20%  
Term: 36 months  
 
Lender yield: 15.56% Borrower rate/APR: 16.56% / 18.75% Monthly payment: $106.30
 
Lender servicing fee: 1.00% Effective Yield*: 15.29%  
Estimated return*: 10.09%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1974 Debt/Income ratio: 15%
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 53 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,195Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: first-soulful-power6 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
760-779 (Mar-2011)
 
Principal balance: $1,703.16 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Cushion
Purpose of loan:
This loan will be used to build up a cushion for some expected expenses coming in the next couple of months

My financial situation:
I am a good candidate for this loan because there are two of us and we both have steady income.


Monthly net income: $6000
Monthly expenses: $750
Housing: $1100
Insurance: $650
Car expenses: $900
Utilities: $300
Phone, cable, internet: $250
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534905
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 2.00%  
Term: 60 months  
 
Lender yield: 14.10% Borrower rate/APR: 15.10% / 16.49% Monthly payment: $238.42
 
Lender servicing fee: 1.00% Effective Yield*: 14.05%  
Estimated return*: 12.05%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1987 Debt/Income ratio: 38%
Credit score: 780-799 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:8y 8m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,602Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: Yes  
Screen name: peace-hawk Borrower's state: WestVirginia 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: 18 ( 100% ) 780-799 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
800-819 (Mar-2010)
 
Principal balance: $809.83 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Please Help Me Consolidate my Debt
Purpose of loan:
This loan will be used to pay off all my credit cards.

My financial situation:
I am a good candidate for this loan because I have a great track record with Prosper! I have always maintained a great credit rating.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534917
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $216.36
 
Lender servicing fee: 1.00% Effective Yield*: 29.09%  
Estimated return*: 14.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1987 Debt/Income ratio: 24%
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:21y 7m
Amount delinquent: $0 Total credit lines: 19 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $72,309Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: market-squadron7 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Major Dental Repair
Purpose of loan: Dental work very necessary
This loan will be used to...Pay dental bill

My financial situation: Good
I am a good candidate for this loan because...I have good credit and have never been late with a payment or missed a payment


Monthly net income: $5500
Monthly expenses: $3200
Housing: $1025
Insurance: $300
Car expenses: $300
Utilities: $300
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $300
Credit cards and other loans: $800
Other expenses: $
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 534921
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: B Listing Duration: 14 days
Minimum Amount to Fund: $8,050 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $415.69
 
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-1996 Debt/Income ratio: 22%
Credit score: 680-699 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 30 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,135Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: order-ballet514 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
bowman38
Purpose of loan: Debt consolidation
This loan will be used to...

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


Monthly net income: $ 7992
Monthly expenses: $ 300
Housing: $ 924
Insurance: $ 440
Car expenses: $ 960
Utilities: $ 250
Phone, cable, internet: $ 60
Food, entertainment: $ 800
Clothing, household expenses: $ 500
Credit cards and other loans: $ 1000
Other expenses: $
Information in the Description is not verified.