Listing Report:Supplement No. 32 dated Dec 05, 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 528580
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): 4 First credit line: Jan-1977 Debt/Income ratio: 17%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 8Length of status:16y 11m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,017Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: CVMountain 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: 35 ( 100% ) 700-719 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
911SC
Purpose of loan:
This loan will be used to...Pay off 2 high interest credit cards

My financial situation: Good
Even though my debt is high I always pay my bills ontime. I am a good candidate for this loan because... Additionally I'm paying off 2 credit cards that will take almost 7 years as opposed to this loan which will take 3 years.


Monthly net income: $4095.00
Monthly expenses: $3497.00
Housing: $1600.00
Insurance: $247.00
Car expenses: $0.00
Utilities: $85.00
Phone, cable, internet: $115.00
Food, entertainment: $600.00
Clothing, household expenses: $100.00
Credit cards and other loans: $700.00
Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 540894
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: 60 months  
 
Lender yield: 20.51% Borrower rate/APR: 21.51% / 23.48% Monthly payment: $410.12
 
Lender servicing fee: 1.00% Effective Yield*: 20.15%  
Estimated return*: 14.20%  
* 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-1981 Debt/Income ratio: 15%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 16Length of status:19y 7m
Amount delinquent: $0 Total credit lines: 52 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $104,647Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: top-sensible-leverage 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
Bridge Loan
Purpose of loan:
This loan will be used to refund an IRA account and pay for property taxes, both due in December.

My financial situation:
I am a good candidate for this loan because I will receive a payout from employer in February that exceeds the requested loan amount. I have paid off student and auto loans early and am current on mortgage.


Monthly net income: $8642.67
Monthly expenses: $8235
Housing: $3668
Insurance: $310
Car expenses: $200
Utilities: $275
Phone, cable, internet: $280
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $2500
Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 541650
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: $21,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $15,050 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 11.54% Borrower rate/APR: 12.54% / 15.38% Monthly payment: $719.67
 
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): 8 First credit line: May-1989 Debt/Income ratio: 22%
Credit score: 800-819 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 16 Occupation: Executive
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $10,551Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: orderly-dime16 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Adoption Loan
Purpose of Loan: Adoption. This loan will be used to... finance our second domestic infant adoption. We paid the first out of pocket. This loan is to pay the adoption agency for adoption fees. Our home study and supervision is complete and the birthparents have waived their parental rights.

My financial situation: Stable, we do not live paycheck to paycheck and typically have money in the bank. We also have retirement money saved. We live within our means, our home is not underwater.

I am a good candidate for this loan because... 1. We pay our bills as our credit shows. 2. I have a good job, entry level to VP in 7.5 years. Above average income and our income to debt ratio is good. My industry is diverse which helps keep us profitable even through recession. 3. We've prepared for this new debt. We refinanced our home and traded down a car for the new payment. 4. We'll repay a portion when our taxes returns are sent back. 5. You'll be helping build our family.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542152
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.64% Borrower rate/APR: 16.64% / 19.55% Monthly payment: $177.37
 
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: Dec-1996 Debt/Income ratio: 14%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:23y 6m
Amount delinquent: $0 Total credit lines: 29 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,446Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: capital-huckleberry 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
cricboo8
Purpose of loan:
This loan will be used to...debt consolidation
My financial situation:
I am a good candidate for this loan because...


Monthly net income: $6812
Monthly expenses: $
Housing: $1700
Insurance: $
Car expenses: $490
Utilities: $300
Phone, cable, internet: $175
Food, entertainment: $150
Clothing, household expenses: $180
Credit cards and other loans: $300
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542240
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: $9,400.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,400 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $376.78
 
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: Oct-1996 Debt/Income ratio: Not calculated
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 48Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,016 
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: sympathetic-yield897 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off all my unsecured debt.

My financial situation:
I am a good candidate for this loan because I am current with all my credit cards and car payments. I have been rebuilding my credit for years. Once I pay off my credit cards, they will no longer be used.


Monthly net income: $1750
Monthly expenses: $1500
Housing: $250
Insurance: $100
Car expenses: $350
Utilities: $0
Phone, cable, internet: $70
Food, entertainment: $225
Clothing, household expenses: $150
Credit cards and other loans: $350
Other expenses: $95
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542494
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): 2 First credit line: Jun-1997 Debt/Income ratio: 37%
Credit score: 780-799 (Nov-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 10Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 59 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,175Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: vangoghfan Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
$7500 to get a family on their feet
Purpose of loan:
In June of 2010 a truck ran into our home, hitting me and my wife. We were both seriously injured, and I was hospitalized for about 5 months. My wife received serious injuries too, and found out she was pregnant that night in the ER. Anyway, we have medical and other bills that we need to get taken care of and are hoping this will help.


I am a good candidate for this loan because...I have a fantastic job and have been there for just over 4 years. My credit score is over 700 and I always pay my bills on time, usually well in advance. We did just purchase a home. We are very stable financially, we just need a little help at this point.

Monthly net income: $4000
Monthly expenses: $2200
Housing: $1140
Insurance: $100
Car expenses: $0
Utilities: $100
Phone, cable, internet: $75
Food, entertainment: $400
Clothing, household expenses: $150
Credit cards and other loans: $150
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542506
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 11.54% Borrower rate/APR: 12.54% / 15.38% Monthly payment: $836.82
 
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: Nov-1997 Debt/Income ratio: 11%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 30 Occupation: Dentist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: yield-promiser0 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
Lump sum medical payment.
Purpose of loan:
This loan will be used to pay an unexpected medical related expense.

My financial situation:
I am a good candidate for this loan because...
I have a very secure and profitable position as an associate dentist.
Having just been through a divorce my "reserve" capital has been depleted. I am in need for this loan to pay a medical related expense. This requires a lump sum payment which I simply do not have currently on hand. My gross monthly income is 18,000 and after debt service my remaining income is more than sufficient to cover this loan. My credit history is clean and I am a responsible and hard working person. I always pay my bills on time and have never defaulted on any loan. Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542510
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): 3 First credit line: May-1984 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 4 Current / open credit lines: 2 / 3Length of status:2y 9m
Amount delinquent: $27,106 Total credit lines: 51Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0 
Delinquencies in last 7y: 5 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: burgeoning-marketplace4 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
car purchase
Purpose of loan:
This loan will be used to... I am in need of a replacement car in order to continue my mobile auto repair business. The car I have now is about to give up its motor.

My financial situation:
I am a good candidate for this loan because...
I am technically unemployed but I have been an auto mechanic for 40 years and have been picking up repair jobs for people in my community for thirty plus months and have not had any difficulty in paying my bills, but I can prove my income since I get paid in cash. I will not fail to pay this loan off and on time. Yes my credit score is poor due to my divorce a few years ago, but I am back on my feet and business is good and growing.

Monthly net income: $2000.00
Monthly expenses: $1200
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542554
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 30.23% Borrower rate/APR: 31.23% / 35.24% Monthly payment: $194.08
 
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): 1 First credit line: Dec-2001 Debt/Income ratio: 38%
Credit score: 620-639 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 8Length of status:29y 3m
Amount delinquent: $1,551 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,783Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: peso-electron 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 / 1 On-time: 23 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,500.00< 31 days late: 0 ( 0% )  
680-699 (Nov-2009)
 
Principal balance: $684.29 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Christmas vacation & consolidation
Purpose of loan:
This loan will be used to...I will donsolidate the few credit cards I have and take my family on cruise for holidays!!!

My financial situation:
I am a good candidate for this loan because...I currently have a loan through prosper that I will payoff if I get this loan. My husband pays for all household bills and loans so I only have my credit cards.


Monthly net income: $1200
Monthly expenses: $350
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542576
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: D Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $360.75
 
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-1997 Debt/Income ratio: 35%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 15 Occupation: Student - College G...
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: benjamins-czar Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help us get married!
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542616
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: Sep-2007 Debt/Income ratio: 21%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 17 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,458Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: enticing-exchange9 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
Funds for a Car
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1400
Monthly expenses: $300
Housing: $0
Insurance: $63
Car expenses: $434
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542624
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $220.46
 
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: Oct-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,547Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: newest-asset-festival 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
my prosper loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542630
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $100.21
 
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-1992 Debt/Income ratio: 6%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:21y 10m
Amount delinquent: $0 Total credit lines: 51 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $624Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: healthy-trade368 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
Travel VVES
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542700
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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.08% Borrower rate/APR: 31.08% / 35.09% Monthly payment: $107.61
 
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: Feb-1968 Debt/Income ratio: 38%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 35 / 25Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 84 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $45,967Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: spiritual-dinero6 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $4,900
Monthly expenses: $
Housing: $950
Insurance: $360
Car expenses: $100
Utilities: 200
Phone, cable, internet: $203
Food, entertainment: $400
Clothing, household expenses: $250
Credit cards and other loans: $1400/monthly
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542708
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: B Listing Duration: 14 days
Minimum Amount to Fund: $8,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.64% Borrower rate/APR: 16.64% / 19.55% Monthly payment: $283.79
 
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: Aug-2002 Debt/Income ratio: 21%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 11 / 11Length of status:3y 0m
Amount delinquent: $1,892 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,594Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: Rdragon Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Accord 03
Purpose of loan:
This loan will be used to... buy a car because my old car broke down and i dont wanna put more money into it

My financial situation:
I am a good candidate for this loan because... i make good money and can afford it and im a good paying all my bills on time never late. but i lost my job back in 05 and had to declare bankrupt and its been tough ever since to get stuff on credit even so i went perfect credit to bankcrupcy


Monthly net income: $4000
Monthly expenses: $2000
Housing: $1150
Insurance: $50
Car expenses: $50
Utilities: $150
Phone, cable, internet: $60
Food, entertainment: $40
lothing, household expenses: $0
Credit cards and other loans: $300
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542724
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): 2 First credit line: Dec-1995 Debt/Income ratio: 23%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:21y 2m
Amount delinquent: $0 Total credit lines: 39 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,430Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: the-fabulous-greenback Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolation
Purpose of loan:
This loan will be used to...pay off unsecured debt/credit cards

My financial situation:
I am a good candidate for this loan because...I make good money and i have never been late on my current payments i want to reduce the amount of payments i have.


Monthly net income: $3800.00
Monthly expenses: $ 3000.00
Housing: $1200.00
Insurance: $55.00
Car expenses: $ 345.00
Utilities: $ 50.00
Phone, cable, internet: $ na
Food, entertainment: $ 150.00
Clothing, household expenses: $ na
Credit cards and other loans: $ 400.00
Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542746
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.08% Borrower rate/APR: 31.08% / 35.09% Monthly payment: $215.23
 
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): 1 First credit line: Sep-1995 Debt/Income ratio: 23%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:3y 8m
Amount delinquent: $9,545 Total credit lines: 22 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: dollar-enthusiast6 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical Expenses
Purpose of loan: Medical Expenses
This loan will be used to...Pay for delivery of child

My financial situation: State Employees Credit Union
I am a good candidate for this loan because...I have full time joby and willing to pay back loan


Monthly net income: 2900
Monthly expenses: $
Housing: $1277.00
Insurance:
Car expenses: $
Utilities: $110.00
Phone, cable, internet: $50.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: Citibank, in dispute; $103.00 student loan
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.08% Borrower rate/APR: 31.08% / 35.09% Monthly payment: $279.79
 
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-1999 Debt/Income ratio: 27%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 14 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,745Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: silver-excellency8 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
madhatter06
Purpose of loan:
This loan will be used to...

My financial situation:Navy Federal Credit Union
I am a good candidate for this loan because...I've been in Military 10 yrs


Monthly net income: $6500
Monthly expenses: $150
Housing: $1850
Insurance: $97
Car expenses: $412
Utilities: $185
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $325
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542764
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 20.51% Borrower rate/APR: 21.51% / 23.48% Monthly payment: $410.12
 
Lender servicing fee: 1.00% Effective Yield*: 20.15%  
Estimated return*: 14.20%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-2005 Debt/Income ratio: 18%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Car Dealer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,316Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: adorable-finance4 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Small Business Start-up Loan
Purpose of loan:
This loan will be used to fund a small start-up business specializing in pet based furniture. Funding will be utilized to purchase lease space and materials. As well as fund web-store hosting.

My financial situation:
I am a good candidate for this loan because this will be a "side" business start up. I intend on staying employed during the first stages of growth. This business is a hobby to start-up venture. I've maintained a break even strategy with this start-up as of this far. Rolling profits back into equipment and materials. I've built the complete wood and metal working workshop in this fashion and intend to use it in this venture.


Monthly net income: $4067
Monthly expenses: $2600
Housing: $500.00
Insurance: $200
Car expenses: $180
Utilities: $150
Phone, cable, internet: $70
Food, entertainment: $550
Clothing, household expenses: $250
Credit cards and other loans: $700
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542768
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,000 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 11.54% Borrower rate/APR: 12.54% / 15.38% Monthly payment: $267.78
 
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): 8 First credit line: Jun-1978 Debt/Income ratio: 26%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:15y 8m
Amount delinquent: $0 Total credit lines: 36 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,441Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: footballfan-lsu Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Combining Bills with Lower Rate
Purpose of loan:
This loan will be used to combine my monthly bills into one lower interest rate payment.

My financial situation:
I am a good candidate for this loan because I have a good credit rating, I pay my debts on time and in full, and I don't spend foolishly.

I have been at my current job for more than 15 years. I am married and have two awesome children.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542770
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $100.21
 
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: May-1983 Debt/Income ratio: 26%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:20y 9m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,696Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: order-baron943 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
mandelay
Purpose of loan: I need to buy out of my lease in order to relocate closer to work
This loan will be used to...

My financial situation: I have adequate income to cover expenses and my monthly expenses will be lower when I move
I am a good candidate for this loan because...I have never not paid my debts


Monthly net income: $4,100.00
Monthly expenses: $
Housing: $ 1,020 (this will change if I can cancel lease)
Insurance: $
Car expenses: $ 347.00
Utilities: $ 120.00
Phone, cable, internet: $ 80.00
Food, entertainment: $ 80.00
Clothing, household expenses: $ 100.00
Credit cards and other loans: $ 10,000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542790
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): 4 First credit line: Oct-1986 Debt/Income ratio: 45%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 22 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,389Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: first-urbane-finance Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Countrygirl50
Purpose of loan:
This loan will be used to... Consolidate some smaller debts and have some dental work done with any remaining monies.

My financial situation:
I am a good candidate for this loan because...
I have strived diligently to get out of debt over the past 8 years and was well on the way to being debt free.
I am a hard worker and I try to stay current on bills.


Monthly net income: $1500.00
Monthly expenses: $80.00
Housing: $250,00
Insurance: $0
Car expenses: $309.00
Utilities: $42.00
Phone, cable, internet: $75.00
Food, entertainment: $ 80.00
Clothing, household expenses: $20.00
Credit cards and other loans: $140.00
Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542792
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.64% Borrower rate/APR: 16.64% / 19.55% Monthly payment: $248.32
 
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: Feb-1989 Debt/Income ratio: 4%
Credit score: 680-699 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 18 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $137Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: bill-fertilizer 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
Finish Home repair
Purpose of loan:
This loan will be used to finish a current construction project at my home. We had a contractor and he walked off the job with some of our money. Right now it is raining season starting and I have holes in my roof and my children do not have bedrooms to sleep in. We are progressing with the project, but due to lack of funds, completion will not be able to be achieved until after Jan 1 without this loan. With this loan, kids will be in bedrooms and have functional bathroom before Christmas.

My financial situation:
I am a good candidate for this loan because I have a consistent income and I am in sales and my revenues are growing and so will my income so I will be able to afford the payments

Monthly net income: $12000 Monthly expenses: 4500 $
Housing: $5100 Insurance: $500 Car expenses: $300
Utilities: $200 Phone, cable, internet: $150
Food, entertainment: $150 Clothing, household expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542794
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% 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: Oct-1993 Debt/Income ratio: 19%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:15y 0m
Amount delinquent: $0 Total credit lines: 23 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,493Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: leverage-mushroom7 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
COOK
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542800
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: D Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $280.58
 
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: Nov-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,543Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: unafraid-euro9 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt consolidation
Purpose of loan:
This loan will be used to pay debts...

My financial situation:
I am a good candidate for this loan because my credit is good and i have no living expenses...


Monthly net income: $1200
Monthly expenses: 0
Housing: $0
Insurance: $100
Car expenses: $80
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542804
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.64% Borrower rate/APR: 16.64% / 19.55% Monthly payment: $177.37
 
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: Jun-1998 Debt/Income ratio: 8%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 39 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $226Stated income:$25,000-$49,999
Delinquencies in last 7y: 44 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: community-fuse7 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Reclaim & Repair
Purpose of loan: Redeem pawns, new tires
This loan will be used to redeem heirlooms placed in pawn and pay off an auto title loan. The pawn loans have been taken out for some vehicle repairs and to help a disabled family member. I would also like to purchase four tires for my car. I would like to purchase a dremel, paints, and some additional supplies to create wildlife art. I would like to purchase some christmas gifts.
My financial situation: I am a good candidate for this loan because after the outrageous pawns are redeemed, I will have minimal bills. I live in staff housing & my rent, utilities, and trash are all included and deducted from each pay check before net pay ($424 bi-weekly). I have been at my job for over 5 years.
Monthly net income: $1260 (+overtime)
Monthly expenses: $630 (as detailed below)
Insurance: $50
Car expenses: $100
Phone, cable, internet: $150
Food, entertainment: $150
Clothing, household expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542828
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 15.09% Borrower rate/APR: 16.09% / 18.99% Monthly payment: $211.21
 
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): 6 First credit line: Jul-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 12 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $946Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: PeerValue 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: 6 ( 100% ) 760-779 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
800-819 (May-2011)
 
Principal balance: $5,981.83 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Payoff higher interest loan
Purpose of loan:
This loan will be used to payoff a higher interest loan.

My financial situation:
I am a good candidate for this loan because I have a great history of on time payments and will continue to do so for this loan.
I would be grateful to lower my interest expense, payoff debt faster and build up my savings.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542846
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: D Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $280.58
 
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: Sep-1990 Debt/Income ratio: 10%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:11y 2m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $71,152Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: greenback-accordion 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
Abundance 2012
Purpose of loan:
This loan will be used to... clear up some debt & medical bill.

My financial situation:
I am a good candidate for this loan because... I have character and responsibility, have been a successful executive for 37 years, pay my bills on time and walk with integrity.


Monthly net income: $8,380
Monthly expenses: $4600
Housing: $2400
Insurance: $60
Car expenses: $ none
Utilities: $250
Phone, cable, internet: $200
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $1,500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $240.50
 
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: Sep-1997 Debt/Income ratio: 22%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $77,299Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: order-launcher063 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
Loan
Purpose of loan: To consolidate credit cards
This loan will be used to... To pay off two credit cards

My financial situation: Getting better
I am a good candidate for this loan because... Because I'm a good person that this new economy made it hard with the lay off of 2009 I'm getting better with this loan my payments drop by $200


Monthly net income: $ 4,500
Monthly expenses: $3900
Housing: $1933
Insurance: $100
Car expenses: $303
Utilities: $200
Phone, cable, internet: $275
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $900
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 529273
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $8,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $320.67
 
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-1989 Debt/Income ratio: 26%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:13y 3m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,012Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: payment-numero-uno2 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation
Purpose of loan:
This loan will be used to consolidate bills

My financial situation:
I am a good candidate for this loan because I have a good history of making payments and remain reliable.


Monthly net income: $ 5600
Monthly expenses: $ 4100
Housing: $ 1800
Insurance: $ 175
Car expenses: $ 190
Utilities: $ 140
Phone, cable, internet: $ 275
Food, entertainment: $ 500
Clothing, household expenses: $ 75
Credit cards and other loans: $ 950
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 531849
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: $15,000 Estimated loss*: 2.00%  
Term: 60 months  
 
Lender yield: 13.65% Borrower rate/APR: 14.65% / 16.49% Monthly payment: $354.10
 
Lender servicing fee: 1.00% Effective Yield*: 13.60%  
Estimated return*: 11.60%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-1996 Debt/Income ratio: 15%
Credit score: 700-719 (Nov-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,179Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: MacFabian Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 12 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
660-679 (Mar-2010)
660-679 (Feb-2010)
640-659 (Dec-2009)
640-659 (Sep-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Carpet Cleaning Business
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 533139
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $120.25
 
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: Not calculated
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 31 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,659Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: No  
Screen name: openness-marsupial8 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan- Relocatioon
Purpose of loan: Relocating from Michigan to Arizona
This loan will be used to help with travel costs to Arizona. My car needs repairs to make the trip, as well as gas money and lodging for the ride out to Arizona.

My financial situation: Fair.
I am a good candidate for this loan because I have a job lined up in Arizona already. I will be working for the family business, and living with my brother, so living costs will be low. I am also currently employed here in Michigan and will be working up until the day I am scheduled to make my trip to AZ. I am 28 years old and needing a fresh start to get my life on track personally and financially.


Monthly net income: $2000
Monthly expenses: $771
Housing: $0
Insurance: $97
Car expenses: $394
Utilities: $0
Phone, cable, internet: $80
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $200 (student loans)
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542487
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 24.37% Borrower rate/APR: 25.37% / 29.24% Monthly payment: $99.89
 
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-2008 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 8 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,634Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: No  
Screen name: fantastic-cash 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: 1 / 2 On-time: 25 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2011)
640-659 (Apr-2010)
640-659 (Nov-2009)
640-659 (Oct-2009)
 
Principal balance: $2,726.38 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
3rd Prosper Loan
Purpose of loan: Auto Loan
This loan will be used to... Lease an Auto and make the initial down payment on the lease, a Ford Fiesta 2011. Monthly payment will be $179 and my dad will pay gas and insurance. I will use the rest of the loan proceeds to pay down my second prosper loan.

My financial situation: I always pay all my bills on time, every payment from prosper is of the highest priority. I get paid $350 every two weeks from the family business. I still live with my parents and I pay no rent. I am a college graduate and am working on my masters degree.
I am a good candidate for this loan because... If you look at my previous loans from prosper I have paid them on time and when I can, I try to make advance payments.


Monthly net income: $ 700
Monthly expenses: $ 550 After taking this loan and leasing car. 150+ Surplus.
Car expenses: $170
entertainment: $ 100
Credit cards and other loans: $ 250
Other expenses: $ 25
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542503
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: $10,400.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,280 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 16.44% Borrower rate/APR: 17.44% / 19.33% Monthly payment: $260.93
 
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: Oct-1989 Debt/Income ratio: Not calculated
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 19Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $657 
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: benjamins-wonder0 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to...

My financial situation: I need money to remodel my house.
I am a good candidate for this loan because...I have outstanding credit.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542517
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.64% Borrower rate/APR: 16.64% / 19.55% Monthly payment: $461.16
 
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: Jul-2001 Debt/Income ratio: 17%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:12y 3m
Amount delinquent: $0 Total credit lines: 10 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $549Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: BA2008 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
BA
Purpose of loan:
This loan will be used to...Consolidate my other loans and make one payment to prevent various interest rates with credit cards as well as car loan.

My financial situation: Is Excellent. I am able to make monthly payments for past 5 years without missing a single term.
I am a good candidate for this loan because...My intention is to go debt free in 2 years. I don't want to pay small amounts and higher interest rates to various credit cards and car loan. I want to consolidate.


Monthly net income: $4,100
Monthly expenses: $150
Housing: $1,400
Insurance: $130
Car expenses: $250
Utilities: $200
Phone, cable, internet: $250
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $12,000
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542663
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: Jun-1999 Debt/Income ratio: 18%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 4Length of status:3y 3m
Amount delinquent: $15,470 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $222Stated income:$25,000-$49,999
Delinquencies in last 7y: 34 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: TheShadow7478 Borrower's state: NewJersey Borrower's group: nyccashflow
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 debts for faster payoff
Purpose of loan:
This loan will consolidate my girlfriend's debts for faster payoff and more monthly cashflow. 3 years ago She had surgery and was out of work for 4 months. She fell behind, and several small bills went into collections.

Right now she is working to rebuild her financial strength, this will allow it to happen faster. She has had no late payments on her car or anything in the last 18 months. She has a steady job for a military contractor and is going to school at night.

My financial situation:
I am a good candidate for this loan because I will assist her if she does fall behind. I am on disability and receive a steady check from them and also work part time in a casino (where most of my income is from tips). I have rebuilt my financial history in order to get closer to buying my first house. I have put a lot of effort into fixing my debt, and do not intend on ruining it.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542679
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 9.74% Borrower rate/APR: 10.74% / 13.54% Monthly payment: $212.00
 
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: Sep-1994 Debt/Income ratio: 13%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:11y 2m
Amount delinquent: $0 Total credit lines: 50 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $50,894Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: restless-dollar2 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
740-759 (May-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
Loan for Used Car Purchase for Cmas
Purpose of loan:
This loan will be used to purchase a pre-owned vehicle for my 17 year old daughter, who is heading to college in just a few months.

My financial situation:
I am a good candidate for this loan because I have successfully paid off a Prosper loan and my income is more than sufficient to handle a small monthly payment.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542681
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.61% Borrower rate/APR: 25.61% / 29.49% Monthly payment: $100.21
 
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 8m
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 542703
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: 60 months  
 
Lender yield: 20.51% Borrower rate/APR: 21.51% / 23.48% Monthly payment: $410.12
 
Lender servicing fee: 1.00% Effective Yield*: 20.15%  
Estimated return*: 14.20%  
* 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: 21%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:8y 9m
Amount delinquent: $0 Total credit lines: 22 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,277Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: agreement-firestarter 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
Home Improvement Loan
Purpose of loan:
This loan will be used for Home Improvement

My financial situation:
I am a good candidate for this loan because I am a responsible person. I understand I'll be at my home for some time and this gives me the opportunity to do what I need to do for resale value. I have a great credit score and have always paid on time.


Monthly net income: $4100
Monthly expenses: $
Housing: $900
Insurance: $100
Car expenses: $0
Utilities: $80
Phone, cable, internet: $140
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542733
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): 5 First credit line: Aug-1991 Debt/Income ratio: 10%
Credit score: 660-679 (Nov-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:10y 0m
Amount delinquent: $0 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: equitable-duty5 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
personal loan
Purpose of loan:
This loan will be used to...pay off new roof.

My financial situation:
I am a good candidate for this loan because...it has been over 2 years since we filed our bankruptcy and have kept all of our bills up to date.


Monthly net income: 1200.00
Monthly expenses: 0.000
Housing: Insurance: $0.00
Car expenses:
Utilities:
Phone,50.00
cable, internet:
Food,120.00
entertainment:
Clothing,50.00
household expenses: 220.00
credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542743
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 24.37% Borrower rate/APR: 25.37% / 29.24% Monthly payment: $259.71
 
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: Jul-1999 Debt/Income ratio: 12%
Credit score: 620-639 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 7Length of status:0y 5m
Amount delinquent: $5,857 Total credit lines: 10 Occupation: Analyst
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $3,766Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: SummerStar75 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 620-639 (Latest)
Principal borrowed: $1,100.00< 31 days late: 0 ( 0% )  
640-659 (Jan-2010)
 
Principal balance: $556.60 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
My gift to myself = clearing debt
Purpose of loan: start 2012 off right
This loan will be used to get ahead on my mortgage, pay off recent credit card debt (at a 31.99% APR).

My financial situation: I recently stopped working for myself and started working for a large company. That has lowered my total income but has put me in a great path moving forward.

I am a good candidate for this loan because I've never missed a payment with my existing Prosper loan and have no intentions on missing any with this one. My new job provide a lot of stability and security.

Monthly net income: $5,000 (approximately)

My expenses are as follows:
Housing: $1,500
Insurance: $150
Car expenses: $300
Utilities: $250
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $125
Credit cards and other loans: $350
Other expenses: $1500 (alimony to my ex-wife)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542747
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 30.23% Borrower rate/APR: 31.23% / 35.24% Monthly payment: $323.46
 
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): 1 First credit line: Jun-1981 Debt/Income ratio: 78%
Credit score: 620-639 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 7Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 33 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,370Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 111%  
   Homeownership: No  
Screen name: fredt2008 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 620-639 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
680-699 (Feb-2011)
540-559 (Apr-2008)
 
Principal balance: $4,092.34 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
My 2nd Prosper Loan
Purpose of loan: Build credit
This loan will be used to... Consolidate debt

My financial situation:
I am a good candidate for this loan because...I make all my payments on time and have good income. I have not missed a payment with my last loan.


Monthly net income: $5,400
Monthly expenses: $3.450
Housing: $1,000
Insurance: $0
Car expenses: $0
Utilities: $100
Phone, cable, internet: $140
Food, entertainment: $800
Clothing, household expenses: $300
Credit cards and other loans: $1,000
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542749
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: 60 months  
 
Lender yield: 20.51% Borrower rate/APR: 21.51% / 23.48% Monthly payment: $410.12
 
Lender servicing fee: 1.00% Effective Yield*: 20.15%  
Estimated return*: 14.20%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Aug-1999 Debt/Income ratio: 8%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 8 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,822Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: liberty-workhorse7 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
Wedding Loan
Purpose of loan:
This loan will be used to finance a portion of my wedding.

My financial situation:
I am a good candidate for this loan because I have a very good credit history and earn more than sufficient income to support on-time monthly payments.


Monthly net income: $6,200
Monthly expenses: $3,500
Housing: $2,100
Insurance: $110.00 (health and renter's)
Car expenses: $0 (use company-paid car: insurance, gas covered too)
Utilities: $75.00 (electric)
Phone, cable, internet: $129.00
Food, entertainment: $400.00
Clothing, household expenses: $100.00
Credit cards and other loans: $370.00
Other expenses: $119.00 (Parking)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542755
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): 1 First credit line: Feb-1997 Debt/Income ratio: 22%
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 39 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,556Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: felicity-course6 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
Video Production Consolidation
Purpose of loan:
This loan will be used to... pay off high cc

My financial situation:
I am a good candidate for this loan because... I always make my payments on time and pay more than the minimum


Monthly net income:
Monthly expenses:
Housing:
Insurance:
Car expenses:
Utilities:
Phone, cable, internet:
Food, entertainment
Clothing, household expenses:
Credit cards and other loans:
Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542769
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 15.09% Borrower rate/APR: 16.09% / 18.99% Monthly payment: $70.40
 
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): 6 First credit line: Mar-1990 Debt/Income ratio: 10%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 2 / 2Length of status:9y 8m
Amount delinquent: $1,207 Total credit lines: 28 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 15 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: rettyford Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2011)
 
Principal balance: $1,615.53 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
help finance my online tshirt busin
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542773
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): 2 First credit line: Jan-1996 Debt/Income ratio: 28%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,065Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: established-loyalty721 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
debt consolidation, auto repairs
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542783
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: Oct-1991 Debt/Income ratio: 12%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,643Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: authentic-dough039 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
mugsy
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542797
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% 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): 5 First credit line: Nov-1998 Debt/Income ratio: 27%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 16 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,894Stated income:$25,000-$49,999
Delinquencies in last 7y: 46 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: benefit-sage4 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to pay off outstanding balances, eliminate credit card debt and regain controll over my finances.

My financial situation:
I am a good candidate for this loan because I am a determined, hard working, responsible individual and simply want to get myself back on track.

Monthly net income: $2,475
Monthly expenses: $2,147.83
Housing: $0.00
Insurance: $257.83
Car expenses: $370.00
Utilities: $200.00
Phone, cable, internet: $190.00
Food, entertainment: $100.00
Clothing, household expenses: $200.00
Credit cards and other loans: $430.00
Other expenses: $400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542803
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: $12,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 20.51% Borrower rate/APR: 21.51% / 23.48% Monthly payment: $328.09
 
Lender servicing fee: 1.00% Effective Yield*: 20.15%  
Estimated return*: 14.20%  
* 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-1983 Debt/Income ratio: 44%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 16Length of status:8y 8m
Amount delinquent: $0 Total credit lines: 48 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,363Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: engaging-velocity2 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
Debt Consolidation
Purpose of loan:
This loan will be used to...consolidate debt

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

Monthly net income: $ 1800
Monthly expenses: $
Housing: $ 545
Insurance: $ 50
Car expenses: $ 0
Utilities: $ 200
Phone, cable, internet: $ 50
Food, entertainment: $ 100
Clothing, household expenses: $
Credit cards and other loans: $ 300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542833
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): 5 First credit line: Jan-1975 Debt/Income ratio: 48%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,757Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: special-fund9 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
red bull
Purpose of loan:
This loan will be used to...pay IRS

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542849
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: May-1992 Debt/Income ratio: Not calculated
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 22 / 20Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 43Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,569 
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: orange-fairness-deployment Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
taz
Purpose of loan:
This loan will be used to...

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


Monthly net income: $5200
Monthly expenses: $600.00
Housing: $
Insurance: $131.00
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 542873
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): 5 First credit line: Mar-2000 Debt/Income ratio: 32%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:20y 7m
Amount delinquent: $0 Total credit lines: 30 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,456Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: successful-liberty8 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
lelo
Purpose of loan: small business
This loan will be used to...sit up up a company for my family

My financial situation: very well
I am a good candidate for this loan because...not looking foward of being in debit


Monthly net income: $5,263
Monthly expenses: $400
Housing: $1200
Insurance: $350
Car expenses: $260
Utilities: $200
Phone, cable, internet: $80
Food, entertainment: $380
Clothing, household expenses: $400
Credit cards and other loans: $0
Other expenses: $150
Information in the Description is not verified.