Listing Report:Supplement No. 56 dated Nov 07, 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 494729
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 1.35%  
Term: 12 months  
 
Lender yield: 4.65% Borrower rate/APR: 5.65% / 6.59% Monthly payment: $601.34
 
Lender servicing fee: 1.00% Effective Yield*: 4.66%  
Estimated return*: 3.31%  
* 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: Nov-2000 Debt/Income ratio: 14%
Credit score: 780-799 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,462Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: Yes  
Screen name: influential-reward856 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
Debt Consolidation
Purpose of loan:
consolidate 2 credit cards and pay it off quickly

My financial situation:
I have the disposable income to pay this loan quickly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 505445
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*: 5.20%  
Term: 36 months  
 
Lender yield: 15.56% Borrower rate/APR: 16.56% / 18.75% Monthly payment: $248.04
 
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: Aug-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:13y 2m
Amount delinquent: $0 Total credit lines: 11 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,919Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: jdbok Borrower's state: NewYork Borrower's group: eBay Sellers Helping Others
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: 53 ( 100% ) 760-779 (Latest)
Principal borrowed: $6,700.00< 31 days late: 0 ( 0% )  
780-799 (Mar-2010)
720-739 (Nov-2009)
680-699 (Feb-2008)
740-759 (Aug-2007)
 
Principal balance: $2,965.32 31+ days late: 0 ( 0% )
Total payments billed: 53  
Description
Hurricane Irene recovery
I'm an eBay seller http://stores.eBay.com/jdbok with 2 Prosper loans to establish sources for selling used clothing, launching a line of recycled garments. 1 paid and the other paid on time. My studio flooded in Hurricane Irene. I lost $2000 of stock and much time off work due to power outages and digging out. My studio now has black mold which requires drywall replacement. I tried to do this slowly myself but the mold allergy is making my whole family sick. I need funds for:
Drywall removal, 1000 sq ft studio: $1500
Partial replacement (leaving interior walls open to save money): $1000
Anti microbial paint: $500
Purchase stock for business to keep up with busy season and flood loss: $4000
My debt is student loan & old credit card with reasonable terms, public record is hospital bill -I now have health ins. Please bid with confidence.
Monthly net income: $ 3,000, Expenses: Housing: $ 700 Car: $ 60 Utilities: $ 75 Insurance: $200 Phone, cable, internet: $ 150
loans: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 535881
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $259.63
 
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: May-1990 Debt/Income ratio: 33%
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 4Employment status:Other
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:13y 3m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,065Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: silver-zenith1 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Director
Purpose of loan:
This loan will be used to...

Purchase resources needed for business.

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

Monthly net income: $5000
Monthly expenses: $3000
Housing: $1366
Insurance: $120
Car expenses: $0
Utilities: $250
Phone, cable, internet: $70
Food, entertainment: $40
Clothing, household expenses: $0
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536341
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: May-1995 Debt/Income ratio: 18%
Credit score: 660-679 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:8y 7m
Amount delinquent: $2,682 Total credit lines: 10 Occupation: Civil Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,530Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: respectful-commitment760 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
Need Relief
Purpose of loan: My husband recently went back to work and I had to take out a payday loan to make ends meet.

This loan will be used to...Pay off Payday Loan and catch up on expenses.

My financial situation: Living paycheck to paycheck but the bills are getting paid on time. I make enough to take care of the bills but while my husband was out of work the money has gotten tight.

I am a good candidate for this loan because...I have a good job and I do side work as a Paralegal. As you can see on my credit report I have been paying my bills on time.


Monthly net income: $3000.00
Monthly expenses: $2300.00 Total
Housing: $900.00
Insurance: $200.00
Car expenses: $350.00
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $250
Clothing, household expenses: $0
Credit cards and other loans: $255
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537137
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): 5 First credit line: Jul-1986 Debt/Income ratio: 8%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 10 Occupation: Administrative Assi...
Public records last 12m / 10y: 2/ 3 Revolving credit balance: $4,000Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: power-hawk6 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
Expenses
Purpose of loan:
This loan will be used to...pay for auto damage and debt expenses

My financial situation:
I am a good candidate for this loan because I am full time employee and im financially stable to make the monthly payments requred...


Monthly net income: $6000
Monthly expenses: $ 3000
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 537261
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $161.14
 
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: Mar-1995 Debt/Income ratio: 33%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $48,383Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: enthusiastic-justice819 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
My personal loan
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2600
Monthly expenses: $
Housing: $970.00
Insurance: $
Car expenses: $420.00
Utilities: $150.00
Phone, cable, internet: $100.00
Food, entertainment: $100.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537391
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $302.14
 
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: Aug-1993 Debt/Income ratio: 35%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 12Length of status:14y 2m
Amount delinquent: $0 Total credit lines: 61 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $104,912Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: dollar-fluffy-bunny2 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
Loan for SMS
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537417
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $18,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $12,600 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 10.10% Borrower rate/APR: 11.10% / 13.22% Monthly payment: $590.15
 
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: Aug-2002 Debt/Income ratio: 12%
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,746Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: reliable-velocity945 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 760-779 (Latest)
Principal borrowed: $2,200.00< 31 days late: 0 ( 0% )  
680-699 (Dec-2010)
760-779 (Mar-2010)
 
Principal balance: $493.79 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Wedding
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537461
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*: 5.20%  
Term: 36 months  
 
Lender yield: 15.56% Borrower rate/APR: 16.56% / 18.75% Monthly payment: $141.74
 
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: Jun-1989 Debt/Income ratio: Not calculated
Credit score: 740-759 (Nov-2011) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:13y 8m
Amount delinquent: $0 Total credit lines: 30Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,262 
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: green28 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 740-759 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
740-759 (Sep-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Pay off Higher % Credit Card
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537467
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $542.21
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1995 Debt/Income ratio: 31%
Credit score: 740-759 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 28 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,049Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: generosity-spectacle3 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...consolidate my bills. I had some health issues this past few months but they have now resolved and I am needing to try and relieve the pressures of the individual payments. My wife is going to school and we are just needing a little help.

My financial situation:
I am a good candidate for this loan because...I do pay my bills on time and normally try and pay more than what is owed at the 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 537533
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $80.57
 
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): 6 First credit line: Nov-2000 Debt/Income ratio: Not calculated
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 8m
Amount delinquent: $1,358 Total credit lines: 49Stated income:Not employed
Public records last 12m / 10y: 2/ 5 Revolving credit balance: $5,011 
Delinquencies in last 7y: 5 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: triciamp23 Borrower's state: SouthDakota Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Short term loan for property taxes
Purpose of loan:
This loan will be used to pay for property taxes and mortgage until I find a job.

My financial situation:
I am a good candidate for this loan because I hold two college degrees recently graduating and I have a strong work history. I completed clinicals for school in a different state and just got back and now searching for a job. I have a few leads so hopefully loan will only be for a few months. My husband is a student and will get a loan refund in January as well.


Monthly net income: $0
Monthly expenses: $
Housing: $503
Insurance: $87
Car expenses: $0
Utilities: $125
Phone, cable, internet: $105
Food, entertainment: $50
Clothing, household expenses: $
Credit cards and other loans: $235
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537575
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): 7 First credit line: Oct-1984 Debt/Income ratio: Not calculated
Credit score: 840-859 (Nov-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,764Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: wrangler855 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
Helping Daughter
I would like to help my daughter and her husband with purchasing a home. I have enough income and great credit and I repay my loan in a faster amount of time! I am able to provide any information you made need. I am a great canidadate and I appreciate all who invest in me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537585
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 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): 6 First credit line: Mar-1992 Debt/Income ratio: 32%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:11y 7m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,093Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: No  
Screen name: marketplace-sensor5 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
credit card consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537635
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 12.90% Borrower rate/APR: 13.90% / 16.06% Monthly payment: $68.26
 
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: Dec-1990 Debt/Income ratio: 2%
Credit score: 800-819 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 8 / 6Length of status:0y 4m
Amount delinquent: $12,287 Total credit lines: 41 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,663Stated income:$50,000-$74,999
Delinquencies in last 7y: 16 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: euro-circuit6 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
Wedding plans
Purpose of loan:
This loan will be used to to plan for the wedding of my future wife.

My financial situation:
I am a good candidate for this loan because I never miss a payment unless some unforseen incident occurs like being unemployed or doing debt consolidation. I pride myself on paying my bills ontime.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537647
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $542.21
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-2005 Debt/Income ratio: 29%
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 10 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,762Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: unconquerable-openness927 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
Rental Investment Capital
Purpose of loan: Loan is to be used for down payment of rental property.

I will be putting the education and experience I have obtained to use in procuring, maintaining and growing a rental property company.

My financial situation:
I am a good candidate for this loan because I have never been late on a loan or bill. I also have 3 months of bills, including this loan, and more saved in various assets including stocks and savings accounts.


Monthly net income: $4400
Monthly expenses: $2600
Housing: $590
Insurance: $150
Car expenses: $420
Utilities: $200
Phone, cable, internet: $200
School Loans: $100
Other expenses (Gas, Groceries, etc): $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537669
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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $237.99
 
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: Sep-2000 Debt/Income ratio: 30%
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:25y 1m
Amount delinquent: $0 Total credit lines: 4 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,832Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: cynthmin 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
loan
Purpose of loan:
This loan will be used to...pay down credit card

My financial situation:
I am a good candidate for this loan because...i am able to pay it back


Monthly net income: $1200
Monthly expenses: $800
Housing: $0
Insurance: $40
Car expenses: $0
Utilities: $100
Phone, cable, internet: $40
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537719
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): 5 First credit line: Nov-1987 Debt/Income ratio: 36%
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $291Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: reward-kahuna3 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537721
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: $8,000 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 24.74% Borrower rate/APR: 25.74% / 29.25% Monthly payment: $321.22
 
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): 6 First credit line: Sep-1995 Debt/Income ratio: 16%
Credit score: 620-639 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:13y 9m
Amount delinquent: $0 Total credit lines: 28 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,744Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: hope-chorus9 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: 1 / 1 On-time: 11 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
640-659 (Nov-2010)
 
Principal balance: $2,733.49 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Debt consolitation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537731
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): 5 First credit line: Apr-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:7y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $68,714Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: velocity-kahuna9 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
Small Business Wants to Expand
Purpose of loan:
This loan will be used to... Purchase inventory to expand business.

My financial situation:
I am a good candidate for this loan because... I have excellent credit history. Have never defaulted on a loan. Pay all bills on time. Have a steady flow of income.


Monthly net income: $2500
Monthly expenses: $
Housing: $1160
Insurance: $0
Car expenses: $150
Utilities: $105
Phone, cable, internet: $200
Food, entertainment: $100
Clothing, household expenses: $230
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537743
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*: 14.90%  
Term: 36 months  
 
Lender yield: 30.60% Borrower rate/APR: 31.60% / 35.24% Monthly payment: $151.66
 
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: Aug-1999 Debt/Income ratio: 37%
Credit score: 600-619 (Nov-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 9Length of status:17y 8m
Amount delinquent: $583 Total credit lines: 28 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,461Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: crywoo35 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 23 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2009)
640-659 (Sep-2009)
680-699 (Aug-2009)
580-599 (Apr-2008)
 
Principal balance: $916.82 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to... collage and pay off a wedding...

My financial situation:
I am a good candidate for this loan because... My 2nd loan through prosper and i have always paid on time... Thanks for considering me!!


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $ 500
Car expenses: $ 900
Utilities: $ 400
Phone, cable, internet: $ 600
Food, entertainment: $ 800
Clothing, household expenses: $ 500
Credit cards and other loans: $ 900
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537747
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): 7 First credit line: Feb-1994 Debt/Income ratio: 15%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 6 Current / open credit lines: 4 / 4Length of status:0y 4m
Amount delinquent: $2,565 Total credit lines: 33 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $688Stated income:$1-$24,999
Delinquencies in last 7y: 25 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: subtle-currency6 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Sweety
Purpose of loan: Consolidate debt
This loan will be used to...pay off credit debt

My financial situation: Scott Credit Union
I am a good candidate for this loan because...
Trying to re-establish credit; just started new job

Monthly net income: $1500.00
Monthly expenses: $120
Housing: $ - Live with daughter
Insurance: $0
Car expenses: $0
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $250
Clothing, household expenses: $
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537765
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 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: Mar-1992 Debt/Income ratio: 36%
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 16 / 14Length of status:2y 11m
Amount delinquent: $10,141 Total credit lines: 46 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,099Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: lyrics089 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
ranger1504
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537769
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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $173.09
 
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: Nov-2003 Debt/Income ratio: Not calculated
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $155Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: systematic-balance562 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
HARD WORKIN MAN IN NEED OF A HAND.
Purpose of loan:
This loan will be used to...pay off the city of Chicago. Some guy stole my plates and end up racking 4500 dollars in tickets!
yeah,I know Its a hard pill to swallow but I've contacted lawyers, the city, I wrote a letter to the city of rev. pretty much everyone i could and none can help. The lawyer wanted to charge me the same about that I owed.So, now i want nothing more then to pay them and put this situation behind me.

My financial situation:
I am a good candidate for this loan because...Ive been working since i was 16yrs old and never been unemployed since.I work very hard to repay debt and for being a young fella my credit score is not too shabby : )


Monthly net income: $1780
Monthly expenses: $200
Housing: $
Insurance: $50
Car expenses: $450
Utilities: $
Phone, cable, internet: $100
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $120
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537785
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 13.85%  
Term: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $191.73
 
Lender servicing fee: 1.00% Effective Yield*: 24.52%  
Estimated return*: 10.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-2002 Debt/Income ratio: 24%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 46 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $623Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: red-meteoric-economy 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
Auto Repair
Purpose of loan:
This loan will be used to...
Fixing Automotive problem on a 2007 Ford Escape Hybrid. Will be repayed with tax return.

My financial situation:
I am a good candidate for this loan because I am an honest hardworking individual that recenely purchased this vechile only to have the dealer refuse to repair it. I am an veteran that needs a helping hand until my taxes come back and I can repay the loan.

Monthly net income: $ 3000
Monthly expenses: $2200
Housing: $ 895
Insurance: $90
Car expenses: $500
Utilities: $150
Phone, cable, internet: $130
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $20
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537789
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,800.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 3.80%  
Term: 12 months  
 
Lender yield: 9.70% Borrower rate/APR: 10.70% / 16.51% Monthly payment: $247.08
 
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): 10 First credit line: Apr-1994 Debt/Income ratio: 17%
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:14y 5m
Amount delinquent: $0 Total credit lines: 12 Occupation: Realtor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,320Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: aggregator7 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
TEETEE
Purpose of loan: HOME IMPROVEMENT
This loan will be used to... IMPROVE ON A BIDDING HOME

My financial situation: IN STABLE CONDITION
I am a good candidate for this loan because... IM A PROFICIENT CUSTOMER
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537791
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: Jul-2005 Debt/Income ratio: 3%
Credit score: 740-759 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 3 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $562Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: loyalty-hotshot0 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
tamarack
Purpose of loan:
This loan will be used to...

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


Monthly net income: $ 2,600
Monthly expenses:
Housing: $700
Insurance: $50
Car expenses: $100
Utilities: $50
Phone, cable, internet: $50
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537793
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $108.44
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-2001 Debt/Income ratio: 15%
Credit score: 640-659 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 18 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,341Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: exuberant-market8 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
Auto Repair Loan
Purpose of loan: Auto Repairs
This loan will be used to do maintenance on my vehichle

My financial situation: Employeed full time
I am a good candidate for this loan because I can make monthly automatic payments easily


Monthly net income: $2500
Monthly expenses: $400
Housing: $200
Insurance: $88
Car expenses: $120
Utilities: $60
Phone, cable, internet: $79
Food, entertainment: $100
Clothing, household expenses: $25
Credit cards and other loans: $100
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537797
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 12.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Aug-1997 Debt/Income ratio: 26%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:15y 11m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,222Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: receptive-income5 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537811
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $86.54
 
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): 5 First credit line: Jun-2000 Debt/Income ratio: 38%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 10 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,550Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: fearless-loyalty0 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.
Description
Loan
Purpose of loan:
This loan will be used to...
Credit card
My financial situation:
I am a good candidate for this loan because...
I pay my bills on time

Monthly net income: $900
Monthly expenses: $375
Housing: $200
Insurance: $170
Car expenses: $295
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $60
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 537827
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $542.21
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%  
Estimated return*: 10.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1999 Debt/Income ratio: 6%
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:10y 6m
Amount delinquent: $0 Total credit lines: 3 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $427Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: open-economy438 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
Healthy Families
Purpose of loan:
This loan will be used to... Do Christmas shopping and vacation

My financial situation: BB&T
I am a good candidate for this loan because... I will pay it back in a timely manner; as you can see my credit reflects I pay my bills on time and never late.


Monthly net income: $6200
Monthly expenses: $
Housing: $840
Insurance: $146
Car expenses: $200
Utilities: $200
Phone, cable, internet: $38
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $60
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537841
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 20.20% Monthly payment: $180.74
 
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-2001 Debt/Income ratio: 20%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 12Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 30 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,644Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: velocity-formula5 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
Investment Loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 529972
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 1.50%  
Term: 60 months  
 
Lender yield: 10.54% Borrower rate/APR: 11.54% / 11.76% Monthly payment: $330.19
 
Lender servicing fee: 1.00% Effective Yield*: 10.53%  
Estimated return*: 9.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-1998 Debt/Income ratio: 11%
Credit score: 820-839 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,087Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: eloquent-p2p4 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
Beauty Industry Tech Start-Up
Purpose of loan:

This loan will be used to begin development on an open network and photography iPhone application for beauty industry professionals and the public. The application is a tool that builds artist portfolios (comprised of images of work that are tagged with information such as client name, products used, style, etc) and in turn creates a real catalog from those portfolios for public use.



My financial situation:
I am a good candidate for this loan because I am responsible, pragmatic, and realistic. My house-hold income exceeds my annual income by 3
times and I have alot of support from my spouse and family. Our team is
business and tech savy, and we believe we can build a tool that taps into the creativity and business that the beauty industry thrives on.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 532832
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): 5 First credit line: Dec-2004 Debt/Income ratio: 33%
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 5 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,883Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: penny-kitten6 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
Funeral Expenses
Purpose of loan: Funeral Expenses
This loan will be used to...
Funeral Expenses
My financial situation: I don't have that amount at this time.
I am a good candidate for this loan because...
I pay all my bills on time, and my aunt plans to pay for half.

Monthly net income: $1300
Monthly expenses: $0
Housing: $0
Insurance: $0
Car expenses: $120
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 533816
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $259.63
 
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-1994 Debt/Income ratio: 36%
Credit score: 660-679 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 13 / 13Length of status:9y 7m
Amount delinquent: $1,308 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,997Stated income:$50,000-$74,999
Delinquencies in last 7y: 60 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: responsible-treasure98 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Purpose of loan:
This loan will be used to make minor repairs to home.

My financial situation:
I am a good candidate for this loan because I have worked a full time job for 9 1/2 years and I own my own home.


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 535264
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $181.28
 
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: Jun-1980 Debt/Income ratio: 20%
Credit score: 680-699 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,132Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: open-minded-fairness4 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
Engagement Ring
Purpose of loan:
This loan will be used to purchase an engagement ring.

My financial situation:

Monthly net income: $3000.00
Monthly expenses: $1450.00 See below:

Housing: $500
Insurance: company provided.
Car: $95 insurance, gas $100, maintenance $25, no loan on car
Utilities: $ 150.00
Phone, cable, internet: $0.00 (company covers these expenses)
Food, entertainment: $200.00
Clothing, household expenses: $50.00
Credit cards and other loans: $250.00
Other expenses: $75.00

Want to get engaged on her birthday in November. Plan on paying back loan within 6 months.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 12.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Apr-1998 Debt/Income ratio: Not calculated
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 18Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,672 
Delinquencies in last 7y: 3 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: benefit-rose 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
My Monthly Expenses
Purpose of loan: Healthcare and Business
This loan will be used to.pay on some healthcare/business

My financial situation: I am looking for work currently, but only on two incomes right now. I am a good candidate for this loan because I have always paid my creditors back on everything and even as your loan advisors who are reviewing my information notice that there is a past judgement on my credit report from a vehicle I had, I am still making payments every month. Important! Please contact me immediately by phone because of some of what is going on, I need to speak with somebody as they are reviewing my information from the bank that can assist me.

Monthly net income: $1400.00
Monthly expenses: $ 1066.00
Housing: $475.00
Insurance: $80.00
Car expenses: $75.00
Utilities: $26.00
Phone, cable, internet: $100.00
Food, entertainment: $100.00
Clothing, household expenses: $35.00
Credit cards and other loans: $175.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 536886
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): 5 First credit line: Aug-1996 Debt/Income ratio: 43%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,309Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: payout-glider4 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
head of household
Purpose of loan:
This loan will be used to...debt consolidation

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


Monthly net income: $2384
Monthly expenses: $1300
Housing: $611
Insurance: $188
Car expenses: $10
Utilities: $250
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $20
Credit cards and other loans: $163
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537110
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $281.27
 
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: Jul-1995 Debt/Income ratio: 16%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:6y 10m
Amount delinquent: $350 Total credit lines: 11 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $407Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: engaging-revenue6 Borrower's state: Vermont 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
lilredrocket
Purpose of loan: consolidation
This loan will be used to... pay off debt

My financial situation: Due to divorce I have struggled for the last few years and most recently in the last year getting myself back on solid ground. I would like to obtain a personal loan to help pay off the last remaining small amount of debt to continue to achieve a better credit rating.
I am a good candidate for this loan because...I have the desire to regain my good credit standing after several years of being held down by someone who didn't have any idea what good credit meant.


Monthly net income: $2820.00
Monthly expenses: $2127.00
Housing: $924.00
Insurance: $116.00
Car expenses: $142.00
Utilities: $0
Phone, cable, internet: $250.00
Food, entertainment: $600.00
Clothing, household expenses: $50.00
Credit cards and other loans: $45.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537416
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 12.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jul-1988 Debt/Income ratio: 35%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 12Length of status:10y 4m
Amount delinquent: $401 Total credit lines: 62 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,298Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: money-raccoon3 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation
Purpose of loan:
This loan will be used to... consolidate bills and pay them off quickly

My financial situation:
I am a good candidate for this loan because...have been employed at the same job for 10 years. I am a early childhood Special Education Teacher.


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 537438
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $11,500 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 6.99% Borrower rate/APR: 7.99% / 8.33% Monthly payment: $360.32
 
Lender servicing fee: 1.00% Effective Yield*: 6.99%  
Estimated return*: 5.99%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jun-1997 Debt/Income ratio: 14%
Credit score: 780-799 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 32 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,881Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: Vanchelo 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: 32 ( 100% ) 780-799 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2009)
640-659 (Jun-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Paying off Credit Cards
This will be used to pay off 3 credit cards. I plan on purchasing a larger house in 3 years and hope to start a family. I want to get my debt as low as possible by that time.
I am a good candidate for this loan because...I pay my bills on time! I have a great job and I work in a good market (IT). I know a concern for many people is will a person have a job or lose it, but in my situation I can say that I have people trying to lure me from where I am currently. My current job provides me with bonuses and stock which add to my finances. A considerable amount of stock will be available for me to sell in 3 years and is another reason why the push to pay off debt now and within 3 years.
The main reason I'm not paying off my debt sooner is due to divorce 3 years ago and payment to my ex wife. My wife reminds me of it each month when I do the bills. By the time I have this debt paid off then my ex wife will be paid off and it will be a new beginning for me and my wife.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537490
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 6.99% Borrower rate/APR: 7.99% / 8.33% Monthly payment: $469.98
 
Lender servicing fee: 1.00% Effective Yield*: 6.99%  
Estimated return*: 5.99%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-1995 Debt/Income ratio: 16%
Credit score: 860-879 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 32 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,747Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: enigmallc 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 32 ( 97% ) 860-879 (Latest)
Principal borrowed: $35,000.00< 31 days late: 1 ( 3% )  
820-839 (Jul-2009)
740-759 (Jul-2008)
 
Principal balance: $2,537.39 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Renovation Costs for Rental Propert
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537532
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 24.74% Borrower rate/APR: 25.74% / 29.25% Monthly payment: $260.99
 
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: Jul-1998 Debt/Income ratio: 21%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 7 / 7Length of status:2y 7m
Amount delinquent: $24,677 Total credit lines: 47 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,191Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: jegatliff 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: 0 / 2 On-time: 59 ( 100% ) 660-679 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
660-679 (Dec-2007)
680-699 (Dec-2006)
620-639 (Nov-2006)
680-699 (Jul-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 59  
Description
2 Prior Prosper Loans Paid
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537550
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-1993 Debt/Income ratio: 11%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 19Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,665Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: BeanCounter97116 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off bills for Christmas
Purpose of loan:
This loan will be used to...buy a new washer and dryer and money for Christmas.

My financial situation:
I am a good candidate for this loan because...I worked hard to get my credit score back up after my divorce. I am now in a need of a new washer and dryer. As a single mom I still need to put presents under the tree for my kids.


Monthly net income: $2900.00
Monthly expenses: $600.00
Housing: $500.00
Insurance: $120.83
Car expenses: $0.00
Utilities: $94.00
Phone, cable, internet: $124.00
Food, entertainment: $100.00
Clothing, household expenses: $
Credit cards and other loans: $350.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537634
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*: 10.50%  
Term: 36 months  
 
Lender yield: 24.74% Borrower rate/APR: 25.74% / 29.25% Monthly payment: $401.52
 
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: Jan-2000 Debt/Income ratio: 14%
Credit score: 600-619 (Nov-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 7 Current / open credit lines: 4 / 4Length of status:0y 3m
Amount delinquent: $7,235 Total credit lines: 29 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $646Stated income:$100,000+
Delinquencies in last 7y: 8 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: sunnyvalekajukenbo Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 600-619 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2010)
620-639 (Jun-2008)
 
Principal balance: $6,022.76 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Restructuring and Expanding
Purpose of loan:
The short is: I would like to pay off the previous Prosper Loan, and the remaining funds will be used to expand my existing school with new equipment.

A year ago, I was able to secure the prosper loan, secure a month-to-month lease on a commercial location, carry my 12 paying students to the new location. Personally; my credit was not doing well.

Now: I have grown from 12 to 20 students, added on and expanded the original garage school and moved back to save on overhead, taken my students to 1st place in the local tournaments. My credit is on its way back up.


Monthly income: 12,000.00

Housing: $ 1900.00
Insurance: $ 120.00
Car expenses: $ 450.00 (Car loan)
Utilities: $ 175.00
Phone, cable, internet: $ 200.00
Food, entertainment: $ 200.00
Clothing, household expenses $ 200.00
Credit cards and other loans: $ 30.00
Other expenses: $ 100.00 (Gas/Auto)
Prosper Loan Payment: 316.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537638
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 1.50%  
Term: 36 months  
 
Lender yield: 7.54% Borrower rate/APR: 8.54% / 8.88% Monthly payment: $157.93
 
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: May-1990 Debt/Income ratio: 16%
Credit score: 820-839 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,769Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: newest-clean-investment 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
Gateful borrower/awesome credit
This loan will be used to buy a car. I have $600,000 equity in my house, but banks are not currently doing alot of home equity loans :>( because of meltdown. I am house rich, as they say. I have put two children through college and they are now working on their post grad degrees.

I am a good candidate for this loan because I have excellent credit and have NEVER defaulted or even been late on any payments. My employment is not high paying, but very important work ... I am a paralegal who works for a firm that helps clients that do not have alot of money.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537666
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 11.20%  
Term: 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: Jul-1995 Debt/Income ratio: 18%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 6Length of status:0y 7m
Amount delinquent: $603 Total credit lines: 25 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,189Stated income:$50,000-$74,999
Delinquencies in last 7y: 45 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: leverage-machine7 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
loan officer
Purpose of loan:
This loan will be used to... debt consolidation

My financial situation:
I am a good candidate for this loan because... i have free cash fow, excellant and stable income , pay all bills ontime withissue , just want to lower payment and have clearly defined time frame for payoff


Monthly net income: $ 4500+
Monthly expenses: $ 2700
Housing: $ 800
Insurance: $250
Car expenses: $206
Utilities: $75
Phone, cable, internet: $75
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $750
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537718
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 11.20%  
Term: 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: Apr-2003 Debt/Income ratio: 28%
Credit score: 800-819 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,309Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: ultimate-benjamins788 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
Investment Property Down Payment
Purpose of loan:

This loan will be used for the down payment on an investment property in a great rental market. Property is currently bank owned and is located blocks from a university. My wife and I were borh tenants in this neighborhood for a combined total of 5 years while we were working towards our undergraduate and master degrees so we are very familiar with the neighborhood and rental market.

Monthly rental income: $1,250
Mortgage ($50K/30yr): - $ 275
Sewer/Trash: - $ 25
Insurance: - $ 75
Real Estate Taxes: - $ 125

Est. Monthly Income $ 750
Prosper.com Loan - $ 400

Monthly Income
After Prosper Loan $ 350 (for first 3 years)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537720
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: B Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 15.56% Borrower rate/APR: 16.56% / 18.75% Monthly payment: $265.76
 
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): 7 First credit line: May-1995 Debt/Income ratio: 5%
Credit score: 780-799 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 49 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $24,309Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: Yes  
Screen name: omahahusker Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 16 ( 100% ) 780-799 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
720-739 (Aug-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate high interest accounts. Two of the accounts I purchased items at 0% for a certain period. Both are nearing the end of their time and I wish to avoid the deferred accr. interest from being added to the balance.

My financial situation:
I am a good candidate for this loan because I had a 3-year loan with Prosper and paid it of in about 16 months. I have been with my organization for over 10 years. I get a bonus every March that I plan on applying up to 50% to this loan the next two years. I just refinanced my home at 4.5% saving me a few hundred dollars each month. The 80% DTV ceiling kept me from including all debt. Lastly, my goal is to pay this loan off in 18 months.

Monthly net income: $6800
Monthly exp: $400
Housing: $2625
Insurance: $190
Car exp: $350
Utilities: $300
Phone, cable, internet: $260
Food, entertainment: $900
Clothing, misc. exp: $150
Debt payments: $900
Other exp: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537726
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 1.50%  
Term: 36 months  
 
Lender yield: 7.54% Borrower rate/APR: 8.54% / 8.88% Monthly payment: $142.14
 
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: Feb-1995 Debt/Income ratio: 3%
Credit score: 780-799 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:22y 9m
Amount delinquent: $0 Total credit lines: 7 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,154Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: path521503 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
rob
Purpose of loan: home improvement
This loan will be used to...furnish home

My financial situation: pretty good
I am a good candidate for this loan because... my large income every month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537734
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 13.85%  
Term: 12 months  
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $191.73
 
Lender servicing fee: 1.00% Effective Yield*: 24.52%  
Estimated return*: 10.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1999 Debt/Income ratio: Not calculated
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 2 Current / open credit lines: 6 / 6Length of status:10y 10m
Amount delinquent: $234 Total credit lines: 9Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,987 
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: burst694 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
money
Purpose of loan:
This loan will be used to...

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


Monthly net income: $800.
Monthly expenses: $300.
Housing: $none
Insurance: $21.00
Car expenses: $non2
Utilities: $none
Phone, cable, internet: $none
Food, entertainment: $50.00
Clothing, household expenses: $30.00
Credit cards and other loans: $200.00
Other expenses: $none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537758
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.49% Borrower rate/APR: 31.49% / 35.13% Monthly payment: $194.72
 
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: Jan-2000 Debt/Income ratio: 8%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 2 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: silver-razor792 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
Car Financing
Purpose of loan:
This loan will be used to purchase a car

My financial situation:
I am a good candidate for this loan because I don't have any delinquencies.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537762
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: Nov-1992 Debt/Income ratio: Not calculated
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,796Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: autonomous-market4 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
GolfMan72
Purpose of loan:
This loan will be used to...

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


Monthly net income: $4000
Monthly expenses: $700
Housing: $980
Insurance: $600
Car expenses: $50
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537766
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: Jul-1991 Debt/Income ratio: 18%
Credit score: 640-659 (Nov-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 13Length of status:11y 4m
Amount delinquent: $0 Total credit lines: 43 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,778Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: bold-generosity-statuette Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan
Purpose of loan:
This loan will be used to...

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


Monthly net income: $5,000.00
Monthly expenses: $4,000.00
Housing: $500.00
Insurance: $300.00
Car expenses: $400.00
Utilities: $0
Phone, cable, internet: $150.00
Food, entertainment: $300.00
Clothing, household expenses: $
Credit cards and other loans: $2,350.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537782
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): 10 First credit line: Dec-1967 Debt/Income ratio: 18%
Credit score: 740-759 (Oct-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:20y 2m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,914Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: dinero-expert8 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
upgrades
Purpose of loan:
This loan will be used to... Do some overdue upgrades to my 4unit property

My financial situation:
I am a good candidate for this loan because...
I have stable income and have never been late on any payments. I have a four unit property that is due for necessary ugrades.

Monthly net income: $5000
Monthly expenses: 0
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $400
Phone, cable, internet: $120.00
Food, entertainment: $200.00
Clothing, household expenses: $0
Credit cards and other loans: $300
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537784
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: Feb-2002 Debt/Income ratio: Not calculated
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 14Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,136 
Delinquencies in last 7y: 3 Bankcard utilization: 71%  
   Homeownership: No  
Screen name: ingenious-bonus971 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
Please assist me
Purpose of loan: jumpt start a business
This loan will be used to... assist in building a business online

My financial situation: I am unemployed but get benefits. I will pay the amount back.
I am a good candidate for this loan because... I was a veteran of eight yrs in the military and just feel on hard times. I don't want to give a sob story I just need a little help.


Monthly net income: $1600
Monthly expenses: $0
Housing: $ 500
Insurance: $20
Car expenses: $50
Utilities: $25
Phone, cable, internet: $25
Food, entertainment: $ 100
Clothing, household expenses: $20
Credit cards and other loans: $ 7000
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537802
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): 7 First credit line: Jun-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Nov-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:9y 5m
Amount delinquent: $0 Total credit lines: 17 Occupation: Homemaker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,386Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: red-enchanted-loot 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
Consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2600
Monthly expenses: $1200
Housing: $300
Insurance: $75
Car expenses: $75
Utilities: $250
Phone, cable, internet: $125
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $75
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537804
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: $4,300.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,010 Estimated loss*: 3.80%  
Term: 12 months  
 
Lender yield: 9.70% Borrower rate/APR: 10.70% / 16.51% Monthly payment: $379.44
 
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-1982 Debt/Income ratio: 35%
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:11y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,120Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: enchanted-silver8 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
MACMULLY
Purpose of loan: HOME IMPROVEMENT
This loan will be used to... REFURBISHED A BURNED HOME

My financial situation: CONSISTENT
I am a good candidate for this loan because... IM INTERESTED IN BECOMING AN INVESTOR AND IS WILLING TO BE A HELPING HAND
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537808
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 1.50%  
Term: 36 months  
 
Lender yield: 7.54% Borrower rate/APR: 8.54% / 8.88% Monthly payment: $789.65
 
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: Aug-1985 Debt/Income ratio: 11%
Credit score: 800-819 (Oct-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 12 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,536Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: lively-gold775 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
scooterbaker
Purpose of loan:
This loan will be used to.

I need this money for a few things the first is a nice vacation I have been planning for a few years I am going to travel abroad to Europe and stay in a few different cities for around three weeks. The rest of the money will be used to finish restoring my 1957 Chevy Bel-Air convertible. I will also use some of these funds to buy and start restoring another classic car. I have always bought and restored old classic cars and it is very satisfying and profitable hobby of mine.

My financial situation:
I am a good candidate for this loan because. I have always been financially stable. I have always had an A plus credit rating. This is not a debt consolidation loan I have no debt. This loan will just help me make more money at my hobby.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537826
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: Jul-2004 Debt/Income ratio: 38%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:0y 1m
Amount delinquent: $338 Total credit lines: 10 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,596Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: silver-allocator6 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
Consolidation Loan
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2,240.00
Housing: $0.00
Insurance: $150.00
Car expenses: $270.00
Utilities: $0.00
Phone, cable, internet: $175.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $250.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 1.50%  
Term: 36 months  
 
Lender yield: 7.54% Borrower rate/APR: 8.54% / 8.88% Monthly payment: $142.14
 
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-1991 Debt/Income ratio: 8%
Credit score: 840-859 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:39y 2m
Amount delinquent: $0 Total credit lines: 32 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,089Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: sentimental-commitment2 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
junny
Purpose of loan: home improvement
This loan will be used to...remodle my home

My financial situation:stable
I am a good candidate for this loan because...because im a good pay back person in i relly need it
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537838
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*: 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): 2 First credit line: Apr-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 7 Occupation: Postal Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: animallover54 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 22 ( 100% ) 660-679 (Latest)
Principal borrowed: $9,200.00< 31 days late: 0 ( 0% )  
700-719 (Jan-2010)
660-679 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 22  
Description
Buying foreclosed property
Purpose of loan: To pay for closing costs on a foreclosed property that I am purchasing and will close on on the 15th.


My financial situation:
I am a good candidate for this loan because I pay my bills on time all the time and I have never missed a payment on anything. I have had loans through prosper before and have always paid them off ahead of schedule and plan to do the same with this one.


Monthly net income: $6000
Monthly expenses: $
Housing: $1655 includes 2nd forclosed property
Insurance: $250
Car expenses: $150
Utilities: $300
Phone, cable, internet: $
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537850
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: Apr-1986 Debt/Income ratio: 18%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 27 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $625Stated income:$25,000-$49,999
Delinquencies in last 7y: 18 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: vivid-value0 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
mix use@ save for rainy day
Purpose of loan:
This loan will be used to...

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


Monthly net income: $4500
Monthly expenses: $1200
Housing: $600
Insurance: $169
Car expense
Phone, cable, internet: $100
Food, entertainment: $450
Clothing, household expenses: $500
Credit cards and other loans: $100
Other expenses: $1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537862
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: $3,600.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,520 Estimated loss*: 3.80%  
Term: 12 months  
 
Lender yield: 9.70% Borrower rate/APR: 10.70% / 16.51% Monthly payment: $317.67
 
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: Nov-1997 Debt/Income ratio: 20%
Credit score: 780-799 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 16Length of status:16y 1m
Amount delinquent: $0 Total credit lines: 39 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,870Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: unflappable-bazaar1 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
SANDY
Purpose of loan: BUSINESS USE
This loan will be used to... FUND AN UPRISING CHILDS YOUTH PROGRAM

My financial situation: IN EXCELLENT CONDITION
I am a good candidate for this loan because... IM A LOYAL AND RELIABLE CUSTOMER
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537868
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): 1 First credit line: May-1994 Debt/Income ratio: 33%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 3 Current / open credit lines: 12 / 11Length of status:30y 8m
Amount delinquent: $2,583 Total credit lines: 35 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,942Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: youthful-felicity640 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 700-719 (Latest)
Principal borrowed: $14,425.64< 31 days late: 0 ( 0% )  
720-739 (Mar-2011)
 
Principal balance: $13,734.62 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Brita
Purpose of loan:
This loan will be used to debt consolidation and taxes.

My financial situation: is good. I have a steady job for the last 30 yrs
I am a good candidate for this loan because I have a good job and I can afford to pay the loan.

Monthly net income: $5500
Monthly expenses: $
Housing: $ 1910
Insurance: $ 155
Car expenses: $535
Utilities: $300
Phone, cable, internet: $ 105
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $1000
Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537874
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: $3,100.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,170 Estimated loss*: 1.35%  
Term: 12 months  
 
Lender yield: 4.65% Borrower rate/APR: 5.65% / 6.59% Monthly payment: $266.31
 
Lender servicing fee: 1.00% Effective Yield*: 4.66%  
Estimated return*: 3.31%  
* 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: Mar-1983 Debt/Income ratio: 8%
Credit score: 800-819 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:12y 0m
Amount delinquent: $0 Total credit lines: 19 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $53,901Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: Yes  
Screen name: auction-harp 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
JEFTEY
Purpose of loan: AUTO USE
This loan will be used to... PURCHASE A FAMILY VEHICLE

My financial situation: IN GOOD CONDITION
I am a good candidate for this loan because... I BELIEVE IN HAVING GREAT CREDIT HISTORY
Information in the Description is not verified.