Listing Report:Supplement No. 3 dated Nov 19, 2011 to Prospectus dated Nov 17, 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 Nov 17, 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 Nov 17, 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 514139
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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 8.50%  
Term: 36 months  
 
Lender yield: 20.71% Borrower rate/APR: 21.71% / 25.49% Monthly payment: $76.08
 
Lender servicing fee: 1.00% Effective Yield*: 20.22%  
Estimated return*: 11.72%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jan-1988 Debt/Income ratio: 26%
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:8y 10m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $123,145Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: tipo56 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: 45 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,200.00< 31 days late: 0 ( 0% )  
660-679 (May-2010)
680-699 (Jan-2010)
660-679 (Jul-2008)
 
Principal balance: $0.68 31+ days late: 0 ( 0% )
Total payments billed: 45  
Description
T56
Purpose of loan:
This loan will be used to...Buy a generator

My financial situation:
I am a good candidate for this loan because...
I have always pay on time and never deliguent.

Monthly net income: $3700.00
Monthly expenses: $1700.00
Housing: $850.00
Insurance: $100.00
Car expenses: $100.00
Utilities: $120.00
Phone, cable, internet: $0 (wife responsibility)
Food, entertainment: $100
Clothing, household expenses: $50.00
Credit cards and other loans: $100.00
Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 532897
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: $11,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $11,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 11.54% Borrower rate/APR: 12.54% / 15.38% Monthly payment: $368.20
 
Lender servicing fee: 1.00% Effective Yield*: 11.50%  
Estimated return*: 7.70%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Sep-2004 Debt/Income ratio: 13%
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 4Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 22 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $940Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: established-moola859 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
My loan for home improvement
Purpose of loan:
This loan will be used to complete home renovations. I will be paying cash for 50% of the renovation and would like this loan for the remaining half of the cost. I do not want to pay cash for the entire renovation as it will tap into my emergency savings slightly and those are funds I wish not to use.

My financial situation:
I am a good candidate for this loan because I have a great credit, no late payments ever and a low debt to income ratio. I have a stable job and have been in the same industry for over 7 years with no employment gaps.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 533661
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: 30.08% Borrower rate/APR: 31.08% / 35.09% Monthly payment: $172.18
 
Lender servicing fee: 1.00% Effective Yield*: 28.70%  
Estimated return*: 14.00%  
* 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-1982 Debt/Income ratio: 34%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 20 / 17Length of status:11y 0m
Amount delinquent: $10,961 Total credit lines: 42 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,247Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: leverage-happiness Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Purpose of loan: pay debt, fix items in house, fix care
This loan will be used to.do a little of everything, pay bills, fix car and plumbing in the house..

My financial situation: Employed paying on time
I am a good candidate for this loan because.I believe I can still make the payments and accomplish what I need to repair at this time...


Monthly net income: $4,340.
Monthly expenses: $
Housing: $706.00
Insurance: $364.00
Car expenses: $317.00
Utilities: $265.00
Phone, cable, internet: $140.00
Food, entertainment: $300.00
Clothing, household expenses: $50.00
Credit cards and other loans: $1004.00
Other expenses: $40.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537209
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.64% Borrower rate/APR: 16.64% / 19.55% Monthly payment: $319.26
 
Lender servicing fee: 1.00% Effective Yield*: 15.37%  
Estimated return*: 9.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1994 Debt/Income ratio: 20%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 21Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,629Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: top-tremendous-loot Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan 2011
Purpose of loan:
This loan will be used to... pay off high interest cards and for some appliances

My financial situation:
I am a good candidate for this loan because...I have paid all my credit cards on time. I have a full time job and am very responsible. I just want to pay off my high interest cards. I thank you in advance


Monthly net income: $ 3800
Monthly expenses: $
Housing: $900
Insurance: $
Car expenses: $- gas 100
Utilities: $ 56
Phone, cable, internet: $125
Food, entertainment: $300
Clothing, household expenses: $125
Credit cards and other loans: $600
Other expenses: $ 130
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 538653
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: $7,400.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,180 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 9.74% Borrower rate/APR: 10.74% / 13.54% Monthly payment: $241.36
 
Lender servicing fee: 1.00% Effective Yield*: 9.71%  
Estimated return*: 7.71%  
* 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-1989 Debt/Income ratio: 10%
Credit score: 740-759 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 6Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 19 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $598Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: nickel-acrobat Borrower's state: California Borrower's group: LendersClub
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 4 ( 100% ) 740-759 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
740-759 (Apr-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
2nd Prosper loan for Business use
Purpose of loan:
This loan will be used to...
start a security guard company. I have qualified for a private patrol operator license with the California Bureau of Security and Investigative Services. Will start business with a friend who has 15 years experience in industry. This will be a side job for me and I won?t depend on it for any income. And about 20% of loan will be used for holiday spending.

My financial situation:
I am a good candidate for this loan because...
This will be my 2nd Prosper loan. I paid-off my first prosper loan early. I?ve also been investing in Prosper for 2 years. I will easily pay-off this loan. I have a big bonus coming at the end of February through my employer (I already reached my sales targets for 2011, so money is guaranteed).
I am financially responsible, and about 3 years ago I walked away from my mortgage, as it did not make financial sense for me to pay for a property that was 40% underwater.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 538683
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 9.74% Borrower rate/APR: 10.74% / 13.54% Monthly payment: $326.16
 
Lender servicing fee: 1.00% Effective Yield*: 9.71%  
Estimated return*: 7.71%  
* 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-1995 Debt/Income ratio: 22%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 8Length of status:15y 6m
Amount delinquent: $0 Total credit lines: 32 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,769Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: JTSRDS Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 54 ( 100% ) 700-719 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
720-739 (Mar-2010)
680-699 (Jun-2008)
 
Principal balance: $5,560.83 31+ days late: 0 ( 0% )
Total payments billed: 54  
Description
Removing credit cards
I will use this loan to rid myself of one large credit institution. I have one card at $2,300 at a 29.99% rate and I will refinance a 23% rate on my last prosper loan. I will layer use the rest to finally eliminate debt from my wife's name.

You want in on this loan because you can view my last two Prosper experiences. I have been faithful for years and will continue to be as I work my family out of debt while I raise two young men, 13 & 11, to never go where I have gone in debt.

Thank you so much for helping a fellow slave make it out.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539525
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: 15.64% Borrower rate/APR: 16.64% / 19.55% Monthly payment: $106.42
 
Lender servicing fee: 1.00% Effective Yield*: 15.37%  
Estimated return*: 9.42%  
* 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-2008 Debt/Income ratio: 10%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 9 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,862Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: hard-working-euro0 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Rental Propery Investment
Purpose of loan:
This loan will be used to purchase an investment property.

My father has been purchasing and renting investment properties for 15+ years and is very successful with them. About 1.5 years ago we purchased 1 together and it is very successful also. I want to expand the business and create some more income for me and my family.

My financial situation:
I am a good candidate for this loan because me and my father are experienced in investments properties. This investment will create more income. I have my priorities in order and I have never been delinquent on a payment and I do not plan on starting now.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539571
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: 30.08% Borrower rate/APR: 31.08% / 35.09% Monthly payment: $322.84
 
Lender servicing fee: 1.00% Effective Yield*: 28.70%  
Estimated return*: 14.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-2005 Debt/Income ratio: 16%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,490Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: heavenly-justice4 Borrower's state: DistrictOfColumbia 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
Loulou
Purpose of loan:
This loan will be used to...
Pay off my credit card debt

My financial situation:
I am a good candidate for this loan because...I have a reliable source of income and can afford the monthly payments.


Monthly net income: $2200.00
Monthly expenses: $1610.00
Housing: $1350.00
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $ 85.00
Food, entertainment: $75.00
Clothing, household expenses: $ 25.00
Credit cards and other loans: $
Other expenses: $ 75.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539629
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*: 10.50%  
Term: 36 months  
 
Lender yield: 24.37% Borrower rate/APR: 25.37% / 29.24% Monthly payment: $159.82
 
Lender servicing fee: 1.00% Effective Yield*: 23.77%  
Estimated return*: 13.27%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1977 Debt/Income ratio: 13%
Credit score: 620-639 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 10 / 7Length of status:2y 4m
Amount delinquent: $372 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 6 Revolving credit balance: $10,532Stated income:$100,000+
Delinquencies in last 7y: 9 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: dpm Borrower's state: Michigan Borrower's group: BORROWERS - LARGEST 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 15 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
600-619 (Feb-2007)
580-599 (Jan-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Hurdle Help
Purpose of loan:
This loan will be used to help me address several pressing obligations by consolidating several existing loans into one.

My financial situation:
I am a good candidate for this loan because I have an adequate income that will enable me to pay off the loan in a timely fashion. My job is secure, and my income is consistent and predictable. I had a previous Prosper loan for $2000 in 2007. This loan was paid off early.


Monthly net income: $6000
Monthly expenses: $5000
Housing: $1250
Insurance: $ 140 (car, renter's)
Car expenses: $540 (car payment and fuel)
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $500
Clothing, household expenses: $300
Credit cards and other loans: $900
Other expenses: $ 400 (alimony)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539803
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jun-1999 Debt/Income ratio: 12%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: p2p-willow Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Good Purpose
Purpose of loan: Used computer and work equipment.
This loan will be used to...Allow me to plan my future while I work in Alaska this winter,and work to my best ability.

My financial situation: Part-time temp.
I am a good candidate for this loan because...
I plan to return to college and have an upcoming four-month contract in Alaska.

Monthly net income: $800
Monthly expenses: $0
Housing: $80
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $25
Credit cards and other loans: $0
Other expenses: $40
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $108.57
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1996 Debt/Income ratio: 22%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 8Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 31 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,944Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: fair-treasure6 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
Not sure what this means
Purpose of loan: To take my wife on a well deserved vacation.
This loan will be used to...

My financial situation: Is good.
I am a good candidate for this loan because... I have shown that I will payback my debts regardless of any bad situation.


Monthly net income: $3200
Monthly expenses: $
Housing: $650 my half
Insurance: $ paid by employer
Car expenses: $150 for gas on average
Utilities: $ wife pays
Phone, cable, internet: $ wife pays
Food, entertainment: $ wife pays
Clothing, household expenses: $ 100
Credit cards and other loans: $ 400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539837
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: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jun-1986 Debt/Income ratio: 27%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 14Length of status:4y 7m
Amount delinquent: $25 Total credit lines: 48 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,867Stated income:$100,000+
Delinquencies in last 7y: 14 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: new-income-paddle Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate debt and lower payments
Purpose of loan:
This loan will be used to pay off some debt that is currently $600 a month.

My financial situation:
I am a good candidate for this loan because my husband and I both have full-time jobs. We just want to lower our monthly outflows to give us a bit of breathing room every month.


Monthly net income: $7,100
Monthly expenses: $
Housing: $1,500
Insurance: $300
Car expenses: $500
Utilities: $200
Phone, cable, internet: $300
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539865
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.64% Borrower rate/APR: 16.64% / 19.55% Monthly payment: $88.68
 
Lender servicing fee: 1.00% Effective Yield*: 15.37%  
Estimated return*: 9.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1998 Debt/Income ratio: 22%
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:16y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,812Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: proper-benefit542 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
Attorney
Purpose of loan:
This loan will be used to...Pay attorney fees

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


Monthly net income: $3600.00
Monthly expenses:
Housing: $1600.00
Insurance: $
Car expenses: $237.00
Utilities: $
Phone, cable, internet: $300
Food, entertainment: $70.00
Clothing, household expenses: $
Credit cards and other loans: $15000.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539867
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: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $80.17
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* 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-2001 Debt/Income ratio: 37%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:31y 0m
Amount delinquent: $0 Total credit lines: 25 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,030Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: smart-loan464 Borrower's state: SouthDakota 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
shortham
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539869
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: 15.09% Borrower rate/APR: 16.09% / 18.99% Monthly payment: $246.41
 
Lender servicing fee: 1.00% Effective Yield*: 14.83%  
Estimated return*: 9.63%  
* 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: May-1985 Debt/Income ratio: 41%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 29 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,300Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: cntrygirl63 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 / 3 On-time: 42 ( 100% ) 720-739 (Latest)
Principal borrowed: $16,000.00< 31 days late: 0 ( 0% )  
720-739 (Apr-2011)
680-699 (Sep-2009)
660-679 (Jul-2009)
660-679 (Apr-2008)
 
Principal balance: $6,576.03 31+ days late: 0 ( 0% )
Total payments billed: 42  
Description
One Last Time
Purpose of loan:
This loan will be used to consolidate my payments into one and lower my monthly payment by approximately $200. My personal situation has changed so that it is a real struggle to work my part time job and also devote time to my mother who is in failing health.

My financial situation:
I am a good candidate for this loan because I have worked hard at paying off debt the past few years and am proud of what I have accomplished. There is also an increase in the process for me at my job, so that would make my monthly income increase.

Monthly net income: $2050
Monthly expenses: $
Housing: $550
Insurance: $77
Car expenses: $250 (commute to work)
Utilities: $81
Phone, cable, internet: $186
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $436
Other expenses: $
I have not included the amounts for the things I would pay off with this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539871
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: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $80.17
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* 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-1994 Debt/Income ratio: 17%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $552Stated income:$25,000-$49,999
Delinquencies in last 7y: 19 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: honorable-camaraderi3 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
pay off school loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539895
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* 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-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:5y 8m
Amount delinquent: $12,467 Total credit lines: 50 Occupation: Homemaker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,840Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: productive-deal111 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
Starting New Business
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539915
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: 30.08% Borrower rate/APR: 31.08% / 35.09% Monthly payment: $258.27
 
Lender servicing fee: 1.00% Effective Yield*: 28.70%  
Estimated return*: 14.00%  
* 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-1982 Debt/Income ratio: 13%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 3 Current / open credit lines: 14 / 12Length of status:17y 10m
Amount delinquent: $40,919 Total credit lines: 41 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $251,378Stated income:$100,000+
Delinquencies in last 7y: 46 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: wealth-dancer3 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
car
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539939
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* 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: Jul-1988 Debt/Income ratio: 19%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 2 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: truth-oath9 Borrower's state: DistrictOfColumbia 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 loan for garden; easy payback
Purpose of loan: To improve my house's backyard
This loan will be used to...purchase materials and pay for small renovations

My financial situation: Good and increasingly consistent
I am a good candidate for this loan because...I have no intention of taking longer than three years to re-pay this loan. I think it will be possible for me to pay this back within the year considering my improved savings habits and increase in time spent working.


Monthly net income: $1000
Monthly expenses: $615
Housing: $400
Insurance: $
Car expenses: $20 (zipcar)
Utilities: $100
Phone, cable, internet: $25
Food, entertainment: $40
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539945
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: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $400.83
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* 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-1993 Debt/Income ratio: 26%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:20y 11m
Amount delinquent: $0 Total credit lines: 26 Occupation: Pharmacist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,337Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: repayment-enforcer 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
Buck88
Purpose of loan:
This loan will be used to...

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


Monthly net income: $7000
Monthly expenses: $
Housing: $2000
Insurance: $207
Car expenses: $349
Utilities: $200
Phone, cable, internet: $54
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $700
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539957
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*: 10.70%  
Term: 12 months  
 
Lender yield: 18.36% Borrower rate/APR: 19.36% / 29.29% Monthly payment: $184.66
 
Lender servicing fee: 1.00% Effective Yield*: 17.93%  
Estimated return*: 7.23%  
* 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-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:12y 6m
Amount delinquent: $0 Total credit lines: 30 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,248Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: intuitive-trade2 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
new life
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539981
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 13.85%  
Term: 12 months  
 
Lender yield: 24.76% Borrower rate/APR: 25.76% / 35.84% Monthly payment: $715.60
 
Lender servicing fee: 1.00% Effective Yield*: 23.64%  
Estimated return*: 9.79%  
* 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: Jun-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Nov-2011) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:12y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,133Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: bold-tolerant-rupee 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
Wedding Expenses
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539987
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: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $200.42
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1986 Debt/Income ratio: Not calculated
Credit score: 820-839 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 30 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: top-special-funds 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
bussiness loan
Purpose of loan:
This loan will be used to...help me start my website bussiness.

My financial situation:
I am a good candidate for this loan because... I always pay off loans and keep my credit in good standing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 540005
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 24.37% Borrower rate/APR: 25.37% / 29.24% Monthly payment: $199.78
 
Lender servicing fee: 1.00% Effective Yield*: 23.77%  
Estimated return*: 13.27%  
* 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: Mar-1996 Debt/Income ratio: 20%
Credit score: 640-659 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 4 Current / open credit lines: 6 / 6Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 36 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,445Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: steady-bill3 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2011)
 
Principal balance: $1,659.12 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
medical
Purpose of loan: pay off my daughters medical bills
This loan will be used to...

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


Monthly net income: $ 2,120.00
Monthly expenses: $
Housing: $ 545.00
Insurance: $86.00
Car expenses: $0.00
Utilities: $115.00
Phone, cable, internet: $75.00
Food, entertainment: $125.00
Clothing, household expenses: $
Credit cards and other loans: $50.00
Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 540013
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: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* 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-1976 Debt/Income ratio: 38%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 39 / 32Length of status:38y 8m
Amount delinquent: $0 Total credit lines: 67 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,156Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: balance-sergeant4 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
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 540025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $380.79
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-2011 Debt/Income ratio: 18%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:18y 7m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $319Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: unabashed-asset094 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home inprovement
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2,900
Monthly expenses: $1,500
Housing: $0
Insurance: $150
Car expenses: $ 300
Utilities: $275
Phone, cable, internet: $170
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $100
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 540055
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: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $400.83
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* 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-1984 Debt/Income ratio: 11%
Credit score: 720-739 (Oct-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 4 Current / open credit lines: 7 / 7Length of status:0y 1m
Amount delinquent: $46,666 Total credit lines: 44 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,712Stated income:$50,000-$74,999
Delinquencies in last 7y: 13 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: p2p-orbiter5 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
robonurse45
Purpose of loan:
This loan will be used to...debt consolidation

My financial situation:
I am a good candidate for this loan because... I will pay back!


Monthly net income: $4400
Monthly expenses: $1200
Housing: $500
Insurance: $35
Car expenses: $0
Utilities: $0
Phone, cable, internet: $70
Food, entertainment: $400
Clothing, household expenses: $65
Credit cards and other loans: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 540067
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: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $200.42
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* 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-2008 Debt/Income ratio: 10%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 2 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $114Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: agreement-symphony8 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.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...Pay off 2 small loans i have. I will also fix my car for transportaion back and forth to work.

My financial situation:
I am a good candidate for this loan because... I take loans very seriously and stay on top of keeping my credit in line, i've just ran into some hard times. I've only been employeed with this company for 23 months, but was at my previous job for 5 years.


Monthly net income: $ 1,000
Monthly expenses: $
Housing: $383
Insurance: $87
Car expenses: $65
Utilities: $75
Phone, cable, internet: $
Food, entertainment: $150
Clothing, household expenses: $150
Credit cards and other loans: $200
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 533312
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: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 9.74% Borrower rate/APR: 10.74% / 13.54% Monthly payment: $163.08
 
Lender servicing fee: 1.00% Effective Yield*: 9.71%  
Estimated return*: 7.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1986 Debt/Income ratio: 12%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,082Stated income:$100,000+
Delinquencies in last 7y: 7 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: kxcoop2 Borrower's state: Colorado Borrower's group: Debt Consolidators Unite!
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: 55 ( 100% ) 680-699 (Latest)
Principal borrowed: $12,700.00< 31 days late: 0 ( 0% )  
740-759 (May-2008)
680-699 (Sep-2006)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 55  
Description
My personal loan for my business
Purpose of loan:
This loan will be used to...funding for business inventory.

My financial situation:
I am a good candidate for this loan because...I've utilized Prosper loans twice previously, never missed a payment ( auto pay) and paid off both on time or early. Thank you.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537362
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: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-2000 Debt/Income ratio: 33%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 14 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,136Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 71%  
   Homeownership: No  
Screen name: bold-encouraging-income 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
credit Card Consolidation
Purpose of loan:
This loan will be used to Consolidation credit Card

My financial situation:
I am a good candidate for this loan because, Full Time employment, seeking to establish my credit worthiness


Monthly net income: $ 4118.40
Monthly expenses: $ 150.00
Housing: $ 100.00
Insurance: $ 120.00
Car expenses: $ 600.00
Utilities: $ 120.00
Phone, cable, internet: $ 150.00
Food, entertainment: $ 150.00
Clothing, household expenses: $ 120.00
Credit cards and other loans: $ 600.00
Other expenses: $ 50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537730
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 11.54% Borrower rate/APR: 12.54% / 15.38% Monthly payment: $502.09
 
Lender servicing fee: 1.00% Effective Yield*: 11.50%  
Estimated return*: 7.70%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-2001 Debt/Income ratio: 17%
Credit score: 740-759 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,290Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: champion020 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
The purpose of this loan is to secure a lower interest rate, secure a fixed interest rate and for the convenience of servicing only one loan. The advantage of a fixed time frame will allow me to pay off the debt incurred prior to my college graduation sooner.

My financial situation:
I am a good candidate for this loan due to my sizable, verifiable monthly income and exemplary history of credit and repayment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 538420
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: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $400.83
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2002 Debt/Income ratio: Not calculated
Credit score: 760-779 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 2 / 2Length of status:0y 1m
Amount delinquent: $1,201 Total credit lines: 13 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,181Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: twister167 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 helping the family
This loan will be used to help my mom pay for debt
I am a good candidate for this loan because I have grown up to fully understand the financial obligations one has. I am wiser and admit I made mistakes. It was not until the economy was low that I realized what my mother had been going through. First my grandfather died of lung cancer. Months later my father had a heart attack and was unable to work anymore leaving the only working people in the household my mother and me. That time I was only employed at a retail store. I witnessed my mom push her limits trying to make ends meet and then some. She currently has three jobs and while I admire her strength it pains me to see her becoming unwell. I have now a well paying job and can stand on my own. I can promise that any loan I receive would be returned in good faith and gratitude. I appreciate any help and thank you.
Monthly net income: $3000
Monthly expenses:$100
Phone, cable, internet:$320
Credit cards and other loans:$230
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 538694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 16.44% Borrower rate/APR: 17.44% / 19.33% Monthly payment: $376.35
 
Lender servicing fee: 1.00% Effective Yield*: 16.37%  
Estimated return*: 12.57%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1986 Debt/Income ratio: 31%
Credit score: 780-799 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,930Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: scholarly-trade9 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
Consolidating
The purpose of this loan is to help my grandson by consolidating his credit card debts into one lower monthly payment, along with a lesser interest rate as well.

I am a good candidate for this loan because I have very little overhead, a good job that I've had for the past 6 1/2 years, and am in the habit of paying a little extra each month to help get that principal down a little faster.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 538994
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $380.79
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* 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-1993 Debt/Income ratio: 27%
Credit score: 640-659 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,921Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: adorable-credit987 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
adorable-credit987
Purpose of loan:
This loan will be used to...
Increase monthly cash flow after consolidate debt - pay off balances. Loan will eliminate need to pay several monthly sums toward balances. Achieves repayment of the loan, investment in inventory, and saving monthly
My financial situation:
I am a good candidate for this loan because...
I have permanent income monthly. I have discipline to tighten belt if necessary to stay within monthly budget regardless of circumstances. Hard-nosed objective to pay bills on time and I always achieve it.

Monthly net income: $945 to $2,300
Monthly expenses: $779
Housing: $234
Insurance: $70
Car expenses: $300
Utilities: $0
Phone, cable, internet: $100
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $75
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539802
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 8.50%  
Term: 36 months  
 
Lender yield: 20.71% Borrower rate/APR: 21.71% / 25.49% Monthly payment: $190.20
 
Lender servicing fee: 1.00% Effective Yield*: 20.22%  
Estimated return*: 11.72%  
* 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: Dec-1983 Debt/Income ratio: 62%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: ryegrass 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 32 ( 48% ) 700-719 (Latest)
Principal borrowed: $14,500.00< 31 days late: 17 ( 25% )  
680-699 (Jul-2008)
680-699 (Jun-2008)
660-679 (Dec-2007)
620-639 (Jan-2007)
 
Principal balance: $0.00 31+ days late: 18 ( 27% )
Total payments billed: 67  
Description
New Career
Purpose of loan:
This loan will be used to...To attend IITR, a Truck Driving School in Clackamas, Or. This four week course will allow me to acheive a CDL to apply for a large variety of truck driving positions in my area.

My financial situation:
I am a good candidate for this loan because...I already have a steady source of income and I'm looking to double my bring home amount in two months.


Monthly net income: $2500
Monthly expenses: $
Housing: $750
Insurance: $78
Car expenses: $130
Utilities: $58
Phone, cable, internet: $200
Food, entertainment: $275
Clothing, household expenses: $75
Credit cards and other loans: $80
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539862
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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,520 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 24.37% Borrower rate/APR: 25.37% / 29.24% Monthly payment: $143.84
 
Lender servicing fee: 1.00% Effective Yield*: 23.77%  
Estimated return*: 13.27%  
* 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: Mar-2003 Debt/Income ratio: 34%
Credit score: 620-639 (Oct-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 12Length of status:3y 6m
Amount delinquent: $1,523 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,829Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: PatrickJ141 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 70 ( 99% ) 620-639 (Latest)
Principal borrowed: $6,200.00< 31 days late: 1 ( 1% )  
600-619 (Sep-2008)
600-619 (Aug-2008)
640-659 (May-2007)
640-659 (Apr-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 71  
Description
Consolidate revolving accounts
I seek $3600 to restructure revolving debt that is weighing on my credit score. The balances are ghosts of my college days, when my income was considerably less. This this will allow for credit improvement while remaining liquid. Within the next year I would like to buy a house, and this will help me achieve that goal.

Monthly net income: $2275
Monthly expenses: $1264
Housing: $ 300
Car expenses: $ 349
Utilities: $ 20
Phone, cable, internet: $ 73
Food, entertainment: $ 75
Clothing, household expenses: $ 50
Credit cards/Student Loans: $ 397

The delinquent account has been a long game of whack-a-mole. It has been successfully proven invalid and removed, but winds up getting re-sold to other collectors who list it again. The dubious cost/benefit/efficacy of the legal route has held me back from that approach. At present it appears I may just have to let it exhaust the statute of limitations, of which it is half-way.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539880
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: 24.37% Borrower rate/APR: 25.37% / 29.24% Monthly payment: $399.56
 
Lender servicing fee: 1.00% Effective Yield*: 23.77%  
Estimated return*: 13.27%  
* 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: Dec-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 18 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,756Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: bkind 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: 0 / 1 On-time: 34 ( 97% ) 680-699 (Latest)
Principal borrowed: $10,000.00< 31 days late: 1 ( 3% )  
660-679 (Mar-2011)
700-719 (Oct-2010)
740-759 (Jul-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Mobile Development Company
Purpose of loan:
I have been running a mobile development company for the last 2 plus years and I am looking to grow the company to take on more projects and have some cushion. We will be hiring two more developers to handle a oncoming project and won't be paid for their work for net 60 and need 10k to cover their expense for the first two months.

My financial situation:
I have done a prosper loan before and have always paid in full and have personal accountability in everything I do.


Monthly net income: $50,000
Monthly expenses: $ 45,000

The company is apollomatrix.com and the new product we are developing and launching is http://seqrpay.tumblr.com
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539882
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.64% Borrower rate/APR: 16.64% / 19.55% Monthly payment: $337.00
 
Lender servicing fee: 1.00% Effective Yield*: 15.37%  
Estimated return*: 9.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Nov-1993 Debt/Income ratio: 4%
Credit score: 700-719 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 2Length of status:2y 10m
Amount delinquent: $1,140 Total credit lines: 8 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $204Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: green-helpful-loan 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
Jeff ISU
Purpose of loan:

This loan will be used to assist with the purchase of a used Auto/Motorcycle for economic transportation. I will also place a cash deposit of 3K - 5K with the approved loan.

My financial situation has been solid for the past three years. I am an accountant by trade with steady employment. My credit score is fair because I have not carried any sizeable debt for the past 7 years showing a steady payment history.

I am a good candidate for this loan because I carry little debt and have steady employment.

Monthly net income: $8,000
Monthly expenses: $ Please see below detail of monthly expenses
Housing: $ 1,800
Insurance: $ 300
Car expenses: $ NA
Utilities: $ 125
Phone, cable, internet: $ 125
Food, entertainment: $ 2000 per month - Single no dependent
Clothing, household expenses: $500
Credit cards and other loans: $500 (total line)
Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539904
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: $2,200.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,200 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $88.18
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1995 Debt/Income ratio: 301%
Credit score: 800-819 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $933Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: cognizant-diversification7 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
auto loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539912
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: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $160.33
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* 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-1998 Debt/Income ratio: 7%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 1Length of status:0y 2m
Amount delinquent: $15,739 Total credit lines: 15 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,835Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: punctual-affluence0 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
GC Loan
Purpose of loan: Home Improvement
This loan will be used to...
Assist in purchasing new furniture and improving my living situation
My financial situation: is getting better. I recently relocated to Florida to be closer to my family. My wife and I have just secured full-time jobs and this loan will help us get back on our feet.
I am a good candidate for this loan because...I want to improve my credit rating and am planning on paying this back in a timely manner.


Monthly net income: $ 3800
Monthly expenses: $ 2300
Housing: $ 1300
Insurance: $ 200
Car expenses: $ 300
Utilities: $100
Phone, cable, internet: $60
Food, entertainment: $ 400
Clothing, household expenses: $ 0
Credit cards and other loans: $ 0
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539946
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*: 10.50%  
Term: 36 months  
 
Lender yield: 24.37% Borrower rate/APR: 25.37% / 29.24% Monthly payment: $319.65
 
Lender servicing fee: 1.00% Effective Yield*: 23.77%  
Estimated return*: 13.27%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1997 Debt/Income ratio: 19%
Credit score: 620-639 (Nov-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 15 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,238Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: transaction-labyrinth9 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: 0 / 1 On-time: 10 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
680-699 (Jul-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Loan Consolidation
Purpose of loan:

I'd like to consolidate any outstanding balances into one payment.

I had a great experience with my previous Prosper loan, made all of my payments on time and paid off the loan without any issues.

I am a good candidate for this loan because I make a good salary, have no dependents or mortgages (or neg. equity). In a pinch, I always have the option to borrow from my retirement but am preferring to keep as much as possible in the market right now.

Monthly net income: $ 3696.33; Housing plus Util: $790.00; Insurance: $125.00; Car expenses: $482.25; Roughly $8,000 in credit cards i'd like to consolidate using a Prosper loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539960
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: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $180.37
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* 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-2000 Debt/Income ratio: Not calculated
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 4Length of status:16y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,387Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: epic-bonus193 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
car expenses: $
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539962
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: 15.64% Borrower rate/APR: 16.64% / 19.55% Monthly payment: $532.11
 
Lender servicing fee: 1.00% Effective Yield*: 15.37%  
Estimated return*: 9.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-2001 Debt/Income ratio: 28%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,297Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: green-steady-hope 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
Personal Loan12311
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539966
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 30.23% Borrower rate/APR: 31.23% / 35.24% Monthly payment: $129.38
 
Lender servicing fee: 1.00% Effective Yield*: 28.84%  
Estimated return*: 13.94%  
* 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: Dec-1998 Debt/Income ratio: 33%
Credit score: 620-639 (Nov-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:9y 1m
Amount delinquent: $0 Total credit lines: 41 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,337Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: Kevn3435 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 89% ) 620-639 (Latest)
Principal borrowed: $4,000.00< 31 days late: 1 ( 11% )  
640-659 (Jan-2011)
520-539 (Apr-2008)
 
Principal balance: $3,322.00 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Pay off debt
Purpose of loan:
Payy off smaller credit cards and a small loan

My financial situation: I am working on getting rid of small credit card debt and a small loan.
I am a good candidate for this loan because I pay my bills monthly. I had a few small loans that lowere my credit rating but I do pay my debts and this loan will help me get ahead.


Monthly net income: $ 3200
Monthly expenses: $2500
Housing: $350
Insurance: $79
Car expenses: $347
Utilities: $75
Phone, cable, internet: $100
Food, entertainment: $250
Clothing, household expenses: $100
Credit cards and other loans: $1199
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539978
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: $4,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $160.33
 
Lender servicing fee: 1.00% Effective Yield*: 24.00%  
Estimated return*: 12.80%  
* 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: 26%
Credit score: 740-759 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,683Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: compassion-rhythm Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
silvereagle10
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1600
Monthly expenses: $100
Housing: $360
Insurance: $100
Car expenses: $
Utilities: $50
Phone, cable, internet: $100
Food, entertainment: $100
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 539984
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*: 4.70%  
Term: 12 months  
 
Lender yield: 10.08% Borrower rate/APR: 11.08% / 18.79% Monthly payment: $176.84
 
Lender servicing fee: 1.00% Effective Yield*: 9.92%  
Estimated return*: 5.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1998 Debt/Income ratio: 20%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 21Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $205,759Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: felicity-venus Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 4 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
680-699 (Mar-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
home improvement
Purpose of loan:
This loan will be used to...replace hotwater heater that is near its end of life, replace with new tankless and obtain this year's energy tax credit

My financial situation: excellent
I am a good candidate for this loan because...I paid of a personal loan this year timely and within 5 months, have excellent job stability and seniority with the same firm for approximately 10 years


Monthly net income: $7800.00
Monthly expenses: $5824.00
Housing: $2300.00
Insurance: $122.00
Car expenses: $588.00
Utilities: $486.00 inc heat
Phone, cable, internet: $128.00
Food, entertainment: $600.00
Clothing, household expenses: $250.00
Credit cards and other loans: $1350.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 540002
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $151.99
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* 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: Jul-1999 Debt/Income ratio: 29%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:20y 3m
Amount delinquent: $0 Total credit lines: 23 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,566Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: wise-progressive-dough 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
Debt recovery
Purpose of loan:
This loan will be used to... Debt consolidation

My financial situation:
I am a good candidate for this loan because... I always pay my bills on time and would like to reduce some debt.


Monthly net income: $ 9,969
Monthly expenses: $
Housing: $ 1311
Insurance: $ 112
Car expenses: $ 800
Utilities: $ 350
Phone, cable, internet: $ 250
Food, entertainment: $ 300
Clothing, household expenses: $ 200
Credit cards and other loans: $ 400
Other expenses: $
Child Support: 1600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 540016
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: 30.08% Borrower rate/APR: 31.08% / 35.09% Monthly payment: $322.84
 
Lender servicing fee: 1.00% Effective Yield*: 28.70%  
Estimated return*: 14.00%  
* 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-1999 Debt/Income ratio: Not calculated
Credit score: 760-779 (Oct-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: market-xylophone 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
Better Home for the Grandchildren
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
I am a widow who are need help before my triplet great grandbabies get home I am a hard working woman who wants the best for not only me but my great grandbabies

Monthly net income: $1416
Monthly expenses: $ 109.50
Housing: $750
Insurance: $20.50
Car expenses: $0
Utilities: $55
Phone, cable, internet: $34.00
Food, entertainment: $367
Clothing, household expenses: $80
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 540028
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: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* 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-1991 Debt/Income ratio: 17%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:3y 7m
Amount delinquent: $4,354 Total credit lines: 16 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $601Stated income:$50,000-$74,999
Delinquencies in last 7y: 19 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: red-mystical-payment 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
want to be a realestate investor.
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
want to be a realestate investor

Monthly net income: $3000
Monthly expenses: $more than net income
Housing: $1424 in a shortsale now.
Insurance: $133 car and 124 health
Car expenses: $400
Utilities: $150
Phone, cable, internet: $125
Food, entertainment: $600
Clothing, household expensesCredit cards and other loans: $50.00/mth
Other expenses: $345 and 150 misc.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 540058
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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 9.74% Borrower rate/APR: 10.74% / 13.54% Monthly payment: $97.85
 
Lender servicing fee: 1.00% Effective Yield*: 9.71%  
Estimated return*: 7.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1996 Debt/Income ratio: 8%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 0Length of status:23y 1m
Amount delinquent: $0 Total credit lines: 11 Occupation: Food Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: grandmajs Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
680-699 (May-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
grandmajs
Purpose of loan:
This loan will be used to...purchase living room furniture at a lower intrest rate than stores charge

My financial situation:
I am a good candidate for this loan because...I have had a previous loan which was paid in full and on time with prosper never any problems
Information in the Description is not verified.