Listing Report:Supplement No. 7 dated Dec 19, 2011 to Prospectus dated Dec 15, 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 Dec 15, 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 Dec 15, 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 520653
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: 20.21% Borrower rate/APR: 21.21% / 24.98% Monthly payment: $188.91
 
Lender servicing fee: 1.00% Effective Yield*: 19.74%  
Estimated return*: 11.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-2000 Debt/Income ratio: 37%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 32 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $60,839Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: flan5 Borrower's state: Delaware Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 19 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2010)
640-659 (Dec-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
Reliable Borrower
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 528231
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $18,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $12,600 Estimated loss*: 2.00%  
Term: 60 months  
 
Lender yield: 13.65% Borrower rate/APR: 14.65% / 16.49% Monthly payment: $424.92
 
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: Apr-1998 Debt/Income ratio: 4%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 3 / 3Length of status:12y 9m
Amount delinquent: $46,255 Total credit lines: 24 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $186Stated income:$100,000+
Delinquencies in last 7y: 23 Bankcard utilization: 2%  
   Homeownership: Yes  
Screen name: ncsu_dvmstr 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 780-799 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (May-2006)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Car Loan
Purpose of loan:
This loan will be used to replace my existing vehicle, which as 214000 miles on it currently.

My financial situation:
I divorced 3 years ago, which resulted in several negative entries on my credit report. Since that time, I have maintained an excellent record (Experian rating of 791). I own my own home and have been employed with the same company for the last 6 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 535191
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $79.64
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1993 Debt/Income ratio: 13%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:11y 7m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,061Stated income:$50,000-$74,999
Delinquencies in last 7y: 38 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: unassuming-revenue3 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
My loan auto repair
Purpose of loan:
This loan will be used to repair vehicle.

My financial situation:
I am a good candidate for this loan because I am an employed family-man, with rising credit score.


Monthly net income: $3675
Housing: $950
Insurance: $96
Car expenses: $390
Utilities: $120
Phone, cable, internet: $150
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $120
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 537021
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $398.18
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* 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: Dec-1999 Debt/Income ratio: 15%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 4 Current / open credit lines: 8 / 6Length of status:1y 3m
Amount delinquent: $44,734 Total credit lines: 38 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,799Stated income:$75,000-$99,999
Delinquencies in last 7y: 26 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: ut151469 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
My loan for debt consolidation
Purpose of loan:
This loan will be used to pay off five different loans.

My financial situation:
I am a good candidate for this loan because my wife and I have steady jobs and do not anticipate losing them to the economy.


Monthly net income: $ 7600.00
Monthly expenses: $
Housing: $ 2093.19
Insurance: $ 381.00 (Auto, Home and Life)
Car expenses: $ 250.00
Utilities: $ 200.00
Phone, cable, internet: $ 250.00
Food, entertainment: $ 1200.00
Clothing, household expenses: $ 100.00
Credit cards and other loans: $ 900.00 (Credit card and Car Loan)
Other expenses:
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 543733
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $199.09
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-1997 Debt/Income ratio: 10%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,668Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: first-favorable-commerce 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
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: $2785.
Monthly expenses: $
Housing: $923.
Insurance: $250
Car expenses: $190
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $25.
Credit cards and other loans: $3700.
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544981
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: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $105.78
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* 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): 8 First credit line: May-1991 Debt/Income ratio: 12%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:26y 11m
Amount delinquent: $116 Total credit lines: 21 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,211Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: historic-deal3 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
Business Loan
Purpose of loan: Business
This loan will be used to...consolidate debt and pay yearly taxes

My financial situation:
I am a good candidate for this loan because...
My business is in good standing with the BBB and we are listed as Texas HUB and SBE with the city of Houston and the Port of Houston Authority. We have done business with city, county, state and federal governnments

Monthly net income: $1900
TOTAL Monthly expenses: $1,150
Housing: $ no mortgage
Insurance: $ 200
Car expenses: $ 200
Utilities: $ 150
Phone, cable, internet: $ 50
Food, entertainment: $ 150
Clothing, household expenses: $ 100
Credit cards and other loans: $200
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545071
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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 8.50%  
Term: 36 months  
 
Lender yield: 20.21% Borrower rate/APR: 21.21% / 24.98% Monthly payment: $94.46
 
Lender servicing fee: 1.00% Effective Yield*: 19.74%  
Estimated return*: 11.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-2000 Debt/Income ratio: 26%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:16y 11m
Amount delinquent: $0 Total credit lines: 16Stated income:$1-$24,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,562 
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: No  
Screen name: coyotebob Borrower's state: Ohio Borrower's group: 123 GET FUNDED
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 41 ( 98% ) 700-719 (Latest)
Principal borrowed: $9,800.00< 31 days late: 1 ( 2% )  
720-739 (May-2011)
640-659 (Dec-2007)
620-639 (May-2007)
620-639 (Mar-2007)
 
Principal balance: $2,551.88 31+ days late: 0 ( 0% )
Total payments billed: 42  
Description
funeral & hospital bills
Purpose of loan: My daughter had colon & liver cancer and passed
away in july of this year. she didn't have any money or life insurance to pay these bills. as her father who loved her. i wanted to pay off these bills.
My financial situation:
I am a good candidate for this loan because..i am very honest and have paid off two previous loans with proster and am current in my present loan.


Monthly net income: $ 2,500
Monthly expenses: $ 400
Housing: $ 750
Insurance: $ 140
Car expenses: $200
Utilities: $ 150
Phone, cable, internet: $130
Food, entertainment: $ 200
Clothing, household expenses: $ 50
Credit cards and other loans: $ 100
Other expenses: $ n/a
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545237
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: C Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 8.50%  
Term: 36 months  
 
Lender yield: 20.21% Borrower rate/APR: 21.21% / 24.98% Monthly payment: $566.74
 
Lender servicing fee: 1.00% Effective Yield*: 19.74%  
Estimated return*: 11.24%  
* 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-2000 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: 7 / 7Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 18 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,918Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: MyConstructionCompany Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 700-719 (Latest)
Principal borrowed: $25,000.00< 31 days late: 0 ( 0% )  
760-779 (Feb-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
consolidating business debt
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545289
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 10.70%  
Term: 12 months  
 
Lender yield: 18.00% Borrower rate/APR: 19.00% / 28.92% Monthly payment: $184.31
 
Lender servicing fee: 1.00% Effective Yield*: 17.58%  
Estimated return*: 6.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-2006 Debt/Income ratio: 28%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 17 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $710Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: the-platinum-gazelle Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Miscellaneous expenses
Purpose of loan:
This loan will be used to make miscellaneous purchases.

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

I have essentially no living expenses, besides my student loans and life insurance premium, and I have excellent credit when you consider its relatively short length (score of 735 with only about 5 years of history).

Monthly net income: $2,500
Monthly expenses: $807
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $607 (entirely student loans)
Other expenses: $100 life insurance payment
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545295
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $528.91
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* 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): 8 First credit line: May-2004 Debt/Income ratio: 9%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 9 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,844Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: currency-enlightenment4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off my debts so I only need to worry about one payment.

My financial situation:
I am a good candidate for this loan because I have a good stable job, my credit is good. I just made a couple small mistakes that got me making multiple payments on cards and bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545309
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 14.70%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $205.47
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1994 Debt/Income ratio: 45%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 1 Current / open credit lines: 15 / 15Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,785Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: exciting-dollar199 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my business
Purpose of loan:
This loan will be used to...

Help fund a startup Business and purchase equipment. Concessions For Veterans- Warrior Dawgs will provide small business opportunities and jobs for our many Wounded Warriors and Veterans and their families.The funds will be used to purchase (2) vending carts to be used as a test market here in Texas. I am working with StreetEats for placement of these concession carts in many large retail markets.I am hoping to gain support from many Veterans groups. These units will only be staffed by Veterans and will hold all applicable permits, insurance and licenses.

I am very excited and passionate about these opportunites for our Veterans and am seeking a financial partner that might share the interest and see the potential in this project. I see this going nationwide in a very short period of time...

Thank you for your consideration
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545333
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: 10.54% Borrower rate/APR: 11.54% / 14.36% Monthly payment: $824.88
 
Lender servicing fee: 1.00% Effective Yield*: 10.51%  
Estimated return*: 6.71%  
* 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: Nov-1995 Debt/Income ratio: 35%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 37 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,312Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: Yes  
Screen name: rupee-tamer 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
debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545343
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: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $278.73
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* 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: Dec-1996 Debt/Income ratio: 25%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,985Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: sympathetic-truth4 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
Pay Down Credit Card
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545345
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $79.64
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1989 Debt/Income ratio: 11%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,318Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: peace-sniffer1 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
until I return to work Jan 12
Purpose of loan:
This loan will be used to...

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


Monthly net income: $ 7100
Monthly expenses:
Housing: $2580
Insurance: $107
Car expenses: $609
Utilities: $145
Phone, cable, internet: $120
Food, entertainment: $500
Clothing, household expenses: $300
Credit cards and other loans: $145
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545349
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $79.64
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* 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: 5%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 54 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: currency-merman 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
Extra Money for moving expenses
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545355
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: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $238.91
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* 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-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 28 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,364Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: generosity-topper6 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
Company Workhorse Upgrade
Purpose of loan:
This loan will be used to...
Purchase a newer truck. 2005 Chevy 2500 HD and a newer snow plow to maintain my contracts for the winter of 2011-2012
My financial situation: I have steady summer work and prepaid contracts in the winter for driveway snow removal. Regular income with peaks and valleys.
I am a good candidate for this loan because...
I have been financing my business on credit cards for four years and paying regular monthly payments every month. The Vehicle and snow plow I plan to purchase with the money are valued 50% higher than the purchase price I have nagotiated and I put $3000 cash down on the investment.


Monthly net income: $6250
Monthly expenses: $3888
Housing: $1899
Insurance: $150
Car expenses: $
Utilities: $300
Phone, cable, internet: $89
Food, entertainment: $250
Clothing, household expenses: $150
Credit cards and other loans: $950
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545361
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: A Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $192.87
 
Lender servicing fee: 1.00% Effective Yield*: 8.72%  
Estimated return*: 6.72%  
* 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): 8 First credit line: Oct-1986 Debt/Income ratio: 14%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 26 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,606Stated income:$100,000+
Delinquencies in last 7y: 34 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: community-universe1 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
760-779 (Mar-2011)
 
Principal balance: $4,063.05 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
My loan for home improvement
Purpose of loan:
This loan will be used to...refinance my existing Prosper loan at a lower rate. Prosper sent me an invitation to see if I could refinance into a lower rate...and apparently I can.

My financial situation:
I am a good candidate for this loan because...I recently finished paying off a car loan and a credit card. I'm current on all financial obligations. I'll use this money to pay of my existing Prosper loan and apply the rest to a higher interest rate credit card.

Thanks for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545363
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.54% Borrower rate/APR: 11.54% / 14.36% Monthly payment: $362.95
 
Lender servicing fee: 1.00% Effective Yield*: 10.51%  
Estimated return*: 6.71%  
* 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: Jan-2000 Debt/Income ratio: 22%
Credit score: 800-819 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $517Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: credit-lotus6 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
dentist
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545367
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: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $199.09
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Dec-1999 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:2y 3m
Amount delinquent: $0 Total credit lines: 4 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,432Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: deal-wildebeest6 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
Car and Dept conslidation..
Purpose of loan:
This loan will be used to pay off the balances on my car and credit cards..

My financial situation:
I am a good candidate for this loan because i have a very steady job with ever growing advancements and I am determined to get out of dept as quickly as possible...


Monthly net income: $4250.00
Housing: $850.00
Insurance: $120.00
Car expenses: $100.00
Utilities: $90.00
Phone, cable, internet: $170.00
Food, entertainment: $600.00
Clothing, household expenses: $300.00
Credit cards and other loans: $600.00
Other expenses: $300.00
Total monthly expenses: $3130.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545373
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $159.27
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-1991 Debt/Income ratio: 3%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 10 Occupation: Civil Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: worth-cupcake0 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
fix house
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545415
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: $5,600 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 18.48% Monthly payment: $279.64
 
Lender servicing fee: 1.00% Effective Yield*: 14.34%  
Estimated return*: 9.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1999 Debt/Income ratio: 22%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 30 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,575Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: hendrixgrl Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 33 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
680-699 (Oct-2011)
740-759 (Apr-2010)
680-699 (Apr-2008)
680-699 (Mar-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate payments on several lines of credit/credit cards. I am currently paying off some medical procedures as well as charges for some home repairs/improvements that had to be made unexpectedly.

My financial situation:
I am a good candidate for this loan because I am a CPA and Corporate Financial Analyst and actually do budgeting for a living. I am obsessive about all the bills getting paid first and on time. I have no trouble currently making my payments, however I would like to consolidate them all down to one payment - just for simplicity's sake. I currently always make more than the minimum payment on my accounts and will continue to do so with this loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545421
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: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $99.55
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-2005 Debt/Income ratio: 20%
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,628Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: vivid-exchange762 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
other
Purpose of loan:
This loan will be used to.for the surgery of a fmily member..

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 545443
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $149.69
 
Lender servicing fee: 1.00% Effective Yield*: 28.22%  
Estimated return*: 13.52%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1989 Debt/Income ratio: 26%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,879Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: FullyDedicated 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
Auto Repairs / Medical Bills
Purpose of loan:
This loan will be used to for an engine rebuild and hospital bills

My financial situation:
I am a good candidate for this loan because I am a professional with a steady job and steady income. I have a very strong credit score of over 700 and have never missed or been late on any payment. I have taken out a personal loan for a vacation in May '11 for $5k over 24 months with Fulton Financial in PA who I have been with for over 8 years and was paid back in 5 months. Life has thrown a lot of financial hurdles my way in a short time period that I now have to manage. God Bless.

Monthly net income: $2,200
Monthly expenses: $650
Housing: $0...Living at home past 3 years paying off all college debt
Insurance: $
Car expenses: $140/month
Utilities: $0
Phone, cable, internet: $100 - cell
Food, entertainment: $less than $50
Clothing, household expenses: $0
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545485
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 20.51% Borrower rate/APR: 21.51% / 23.48% Monthly payment: $205.06
 
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: Sep-1992 Debt/Income ratio: 22%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:22y 0m
Amount delinquent: $0 Total credit lines: 27 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,708Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: geemac 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 Cons
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545491
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: $16,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $16,000 Estimated loss*: 1.50%  
Term: 60 months  
 
Lender yield: 10.54% Borrower rate/APR: 11.54% / 11.76% Monthly payment: $352.20
 
Lender servicing fee: 1.00% Effective Yield*: 10.53%  
Estimated return*: 9.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jul-1995 Debt/Income ratio: 9%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:14y 7m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,863Stated income:$50,000-$74,999
Delinquencies in last 7y: 8 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: return-trader5 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating Revolving & Auto
I plan to use this loan to consolidate all revolving accounts into one payment as well as the remaining balance on my auto loan. I am on a fixed income from retirement, and it will make my life much easier.

I also plan to sock-drawer all credit cards and no longer use them.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545509
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 14.90%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $239.72
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jun-1991 Debt/Income ratio: 59%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 3 Current / open credit lines: 7 / 8Length of status:16y 0m
Amount delinquent: $4,672 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,265Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: tender-trade0 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 20 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
720-739 (Sep-2010)
720-739 (Mar-2010)
 
Principal balance: $2,394.48 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
Consolidate debt
This loan will be used to consolidate other debts.

I am a good candidate for this loan because I am still on track to be out of all debt (home and auto included) within the next ~6 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545527
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: $6,500 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $258.82
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1995 Debt/Income ratio: 14%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,408Stated income:$50,000-$74,999
Delinquencies in last 7y: 8 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: responsible-moola3 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Revolving 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 am a retiree with a fixed income. I am just trying to consolidate everything to one payment. I plan to close revolving accounts and pay this loan off and be done with credit.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545533
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $398.18
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1999 Debt/Income ratio: 28%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 8 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,639Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: visionary-euro558 Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Clear debt & start nursing career!
Purpose of loan:
This loan will be used to...get out of debt and have only one monthy payment!

My financial situation:
I am a good candidate for this loan because...I am an honest hardwwoking person who has a bachelors degree in nursing, just need to get on my feet!


Monthly net income: $
Monthly expenses: $
Housing: living with family
Insurance: covered with job
Car expenses: payed off
Utilities: living with family
Phone, cable, internet: living with family
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $9,000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545551
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: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $106.92
 
Lender servicing fee: 1.00% Effective Yield*: 28.22%  
Estimated return*: 13.52%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1984 Debt/Income ratio: 250%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 3 Current / open credit lines: 5 / 6Length of status:13y 5m
Amount delinquent: $90 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,860Stated income:$1-$24,999
Delinquencies in last 7y: 10 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: equitable-diversification492 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto Repair
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545563
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: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $219.00
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1982 Debt/Income ratio: 24%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:8y 4m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: unassuming-commerce8 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
winterizing home/ disable veteran
Purpose of loan:
This loan will be used to update heating furnace and insulate home

My financial situation:
I am a good candidate for this loan because I am on disability SS and it is hard for me to come up with the purchase price of a new furnace at one time, but can make installments on loan


Monthly net income: $1,673
Monthly expenses: $899
Housing: $0
Insurance: $59
Car expenses: $100
Utilities: $150
Phone, cable, internet: $120
Food, entertainment: $400
Clothing, household expenses: $70
Credit cards and other loans: $00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544298
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: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $172.60
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* 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): 3 First credit line: Oct-1989 Debt/Income ratio: 20%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 2Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 30 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 34 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: hope-trident5 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 debt consolidation.

My financial situation:
I am employed.

Monthly net income: $4,200.00
Monthly expenses: $ 2,315.00
Housing: $1165.00
Insurance: $ 45.00
Car expenses: $
Utilities: $ 125.00
Phone, cable, internet: $ 130.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 850.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544620
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $352.61
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* 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): 8 First credit line: Jun-2005 Debt/Income ratio: 15%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 9 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,345Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: openness-warrior5 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: Consolidate my different lines of credit debt into one easy payment.
My financial situation:
I am a good candidate for this loan because I am a reliable hard working employee at an established company. I have brought my debt down from $20K+ completely on my own without settling any of it. I do not believe in reneging on anything and money owed is money that must be paid back. I incurred this debt when I was young and immature and am now trying to reestablish my credit and financial reputation. This loan will allow me to consolidate my remaining debt in to one monthly payment that will be paid directly from an account set aside for this loan that will receive direct payments from my paycheck.

Monthly net income:$4800
Monthly expenses:$4600
Housing:$1600
Insurance:$215
Car expenses:$300
Utilities:$190
Phone, cable, internet:$250
Food, entertainment:$800
Clothing, household expenses:$300
Credit cards and other loans:$740
Other expenses:$200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545076
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: 14.59% Borrower rate/APR: 15.59% / 18.48% Monthly payment: $209.73
 
Lender servicing fee: 1.00% Effective Yield*: 14.34%  
Estimated return*: 9.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Dec-1999 Debt/Income ratio: 47%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 21 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,744Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: flexible-credit2 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
720-739 (Feb-2011)
 
Principal balance: $3,180.58 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Refinance and Debt Consolidation
I currently have a prosper loan with an interest rate of 26.99%. I have had the loan for nearly a year and every payment is made with automatic direct deposit, so not a single payment has been late. Prosper has given me the opportunity to refinance at 15.99%, which offers considerable savings.

I would like to refinance my prosper loan, which has a balance of $3,189.00 and also pay off a credit card which has a balance of $2,800 and a high interest rate so that I can close the credit card account and consolidate my debt.

A little information -

I'm currently a 4th year Regional Airline pilot at Republic Airlines. Gross income to date for 2011 is $38,900. I am married, own a townhome with my wife with no kids. We have been cutting expenses for a year, have eliminated cable tv channels, run the A/C and heat much less and we're working to eliminate our debt and prepare to have children.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545312
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $398.18
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* 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-1996 Debt/Income ratio: 26%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 15Length of status:12y 5m
Amount delinquent: $0 Total credit lines: 50 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,734Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: social-rhythm Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Funds for debt consolidation
Purpose of loan:
This loan will be used to payoff some medical debts my wife and I accrued trying to get pregnant

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 545316
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $199.09
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* 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: Feb-1993 Debt/Income ratio: 14%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 1Length of status:4y 7m
Amount delinquent: $23,415 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: assembler738 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
need Quick cash to pay a bill!
Purpose of loan: Impliments for a tractor-
This loan will be used to...pay a welder for his services, for welding a new cage on a work tractor

My financial situation: good
I am a good candidate for this loan because...I need fast cash! this time of year retailers are paying slow.


Monthly net income: $3,400
Monthly expenses: $2,000.00
Housing: $848.00
Insurance: $200.00
Car expenses: $0
Utilities: $190.0
Phone, cable, internet: $50.0
Food, entertainment: $300.0
Clothing, household expenses: $??
Credit cards and other loans: $0
Other expenses: $??
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545328
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: $14,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 8.50%  
Term: 60 months  
 
Lender yield: 24.89% Borrower rate/APR: 25.89% / 28.49% Monthly payment: $418.26
 
Lender servicing fee: 1.00% Effective Yield*: 24.30%  
Estimated return*: 15.80%  
* 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): 4 First credit line: Oct-1998 Debt/Income ratio: 60%
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 10Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 45 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,771Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: diversification-axis5 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 17 ( 100% ) 760-779 (Latest)
Principal borrowed: $26,500.00< 31 days late: 0 ( 0% )  
780-799 (Jun-2011)
780-799 (Nov-2010)
 
Principal balance: $10,663.16 31+ days late: 0 ( 0% )
Total payments billed: 17  
Description
Debt Payoff
Purpose of loan:
This loan will be used to payoff credit cards that I have only been able to pay minimum balance and not get ahead on.

My financial situation:
I am a good candidate for this loan because I have a great job that pays a salary. I have NEVER missed a payment on any loan.



Monthly net income: $5000
Monthly expenses: $3000

This loan will clear off my credit card debts.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545354
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: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $172.60
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* 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-1990 Debt/Income ratio: 78%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 15Length of status:19y 7m
Amount delinquent: $0 Total credit lines: 70 Occupation: Nurse (LPN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,818Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: persistent-generosity2 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
Bill Consolidation
Purpose of loan: To Pay off bills
This loan will be used to...

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


Monthly net income: $2200
Monthly expenses: $ 1200
Housing: $ 0
Insurance: $ 0
Car expenses: $ 200
Utilities: $ 0
Phone, cable, internet: $ 0
Food, entertainment: $ 200
Clothing, household expenses: $ 150
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545358
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 29.73% Borrower rate/APR: 30.73% / 34.73% Monthly payment: $235.69
 
Lender servicing fee: 1.00% Effective Yield*: 28.37%  
Estimated return*: 13.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 23 / 22Length of status:9y 11m
Amount delinquent: $0 Total credit lines: 51 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,077Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: blue-reverent-funds Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 14 ( 88% ) 660-679 (Latest)
Principal borrowed: $4,800.00< 31 days late: 2 ( 13% )  
660-679 (Jul-2010)
640-659 (Aug-2009)
660-679 (Jul-2009)
 
Principal balance: $3,142.89 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
Debt Consolidation
Purpose of loan: To combine several of my high-interest debts into one loan to expedite and simplify repayment.
My financial situation: I am a self-employed personal trainer, and teach full-time in my own studio.
I am a good candidate for this loan because I manage my payments well, despite my high level of debt to income. My personal debt is high at the moment due to expenses which arose in the business, which were easier to finance personally than throught business financing, which is very hard to obtain in my field.

Monthly net income: $3500
Monthly expenses: $3100
Housing: $850
Insurance: $250
Car expenses: $240
Utilities: $150
Phone, cable, internet: $110
Food, entertainment: $600
Clothing, household expenses: $150
Credit cards and other loans: $750
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545370
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $8,050 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 20.51% Borrower rate/APR: 21.51% / 23.48% Monthly payment: $314.42
 
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-1975 Debt/Income ratio: 7%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:15y 4m
Amount delinquent: $0 Total credit lines: 12 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,752Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: skillful-note222 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
Emergency Person Loan
Purpose of loan:
This loan will be used to...help my family members that are in need of my financial help

My financial situation:
I am a good candidate for this loan because...I make $83,000 a year and my expenses are very minimal


Monthly net income: $6,000
Monthly expenses: $2,000
Housing: $925
Insurance: $ 260
Car expenses: $50
Utilities: $260
Phone, cable, internet: $40
Food, entertainment: $125
Clothing, household expenses: $60
Credit cards and other loans: $60
Other expenses: $60
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545372
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: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $86.30
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* 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): 3 First credit line: Jun-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 2 Current / open credit lines: 8 / 7Length of status:1y 4m
Amount delinquent: $33 Total credit lines: 17 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,807Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: sensational-worth3 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
Debt Consolidation
Purpose of loan: Debt Consolidation
This loan will be used to...pay off debts

My financial situation: good
I am a good candidate for this loan because...I am getting my life straight


Monthly net income: $4150
Monthly expenses: $600
Housing: $0
Insurance: $65
Car expenses: $0
Utilities: $85
Phone, cable, internet: $150
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $250
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545402
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: 60 months  
 
Lender yield: 20.51% Borrower rate/APR: 21.51% / 23.48% Monthly payment: $136.71
 
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: Oct-1997 Debt/Income ratio: 16%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 14 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,894Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: value-magnifico7 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
American Express Payoff
Purpose of loan:
This loan will be used to...
Pay Amex
My financial situation:
I am a good candidate for this loan because...
I pay my bills ontime and am very respomsible

Monthly net income: $3600.00
Monthly expenses: $2000.00
Housing: $1100.00
Insurance: $100.00
Car expenses: $50.00
Utilities: $100.00
Phone, cable, internet: $140.00
Food, entertainment: $150.00
Clothing, household expenses: $25.00
Credit cards and other loans: $300.00
Other expenses: $35.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545406
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,900.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,900 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $102.26
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* 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): 9 First credit line: Apr-2004 Debt/Income ratio: 10%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 14 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,984Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: peace-rocker6 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
auto and home repair
Purpose of loan:
This loan will be used to...repair vehicle and garage

My financial situation:
I am a good candidate for this loan because...i have held the same position for the same company through 3 different owners for a total of 18 years


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 545420
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $398.18
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* 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: Dec-1987 Debt/Income ratio: 17%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:24y 7m
Amount delinquent: $0 Total credit lines: 17 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,025Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: urbane-gold2 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
Home improvement, finnish basement
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...I have long term employment and signigicant income.


Monthly income: 24300
Monthly expenses: $
Housing: $5880
Insurance: $900
Car expenses: $2100
Utilities: $600
Phone, cable, internet: $200
Food, entertainment: $800
Clothing, household expenses: $800
Credit cards and other loans: $1500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545424
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $528.91
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* 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): 8 First credit line: Dec-1998 Debt/Income ratio: 22%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:0y 7m
Amount delinquent: $6,223 Total credit lines: 23 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,115Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: power-statesperson0 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
Consolidation of bills
Purpose of loan:
This loan will be used to...

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


Monthly net income: $4765.00
Monthly expenses: $3200.00
Housing: $975.00
Insurance: $125.
Car expenses: $590.
Utilities: $250
Phone, cable, internet: $170.
Food, entertainment: $550
Clothing, household expenses: $150.
Credit cards and other loans: $250
Other expenses: $150.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545426
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: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $320.77
 
Lender servicing fee: 1.00% Effective Yield*: 28.22%  
Estimated return*: 13.52%  
* 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: Oct-2001 Debt/Income ratio: 13%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:0y 3m
Amount delinquent: $30 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $125Stated income:$25,000-$49,999
Delinquencies in last 7y: 20 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: liberty-bull7 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
Cosmetic Surgery
Purpose of loan:
This loan will be used for Cosmetic Surgery

My financial situation:
I am a good candidate for this loan because... I pay my bills on time and even ahead of schedule in many cases.


Monthly net income: $3000
Monthly expenses: $1200
Housing: $891
Insurance: $97
Car expenses: $0
Utilities: $40
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $106
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545428
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 14.70%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $188.35
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,255Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: unbeatable-yield2 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
A new home for my family
Purpose of loan:
This loan will be used to...help us move closer to my son's special education school

My financial situation:
I am a good candidate for this loan because...my wife and I are able to commit to the montly payments and her job is very secure and long term. I never ask for more than I can handle. This is a modest loan that we can pay back easily.

Monthly net income: $3627
Monthly expenses: $2712
Housing: $2100
Insurance: $170
Car expenses: $0
Utilities: $87
Phone, cable, internet: $105
Food, entertainment: $170
Clothing, household expenses: $
Credit cards and other loans: $75
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545432
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: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $199.09
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1989 Debt/Income ratio: Not calculated
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 8Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $396 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: market-observatory9 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
funds for christmas
Purpose of loan: holiday shopping
This loan will be used to...
finish christmas shopping
My financial situation:
I am a good candidate for this loan because...i have excellent credit


Monthly net income: $4600
Monthly expenses: $
Housing: $700
Insurance: $
Car expenses: $300
Utilities: $
Phone, cable, internet: $200
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545434
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: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $172.60
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* 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: Jun-1986 Debt/Income ratio: 29%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:18y 3m
Amount delinquent: $0 Total credit lines: 12 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $920Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: best-justice-broker 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
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545438
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: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $172.60
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* 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: Apr-1991 Debt/Income ratio: 25%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:12y 11m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,872Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: velocity-broadcaster352 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Required repairs for home
Purpose of loan:
This loan will be used to repair a roof, plumbing, and kitchen work.

My financial situation:
I am a good candidate for this loan because I have a consistent job, I am reliable, and I have low debt.


Monthly net income: $5000
Monthly expenses: $200
Housing: $2075
Insurance: $250
Car expenses: $150
Utilities: $125
Phone, cable, internet: $35
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $280
Other expenses: $500 (Medical)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545458
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,600.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,520 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $153.97
 
Lender servicing fee: 1.00% Effective Yield*: 28.22%  
Estimated return*: 13.52%  
* 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: Oct-1990 Debt/Income ratio: 42%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:13y 9m
Amount delinquent: $0 Total credit lines: 30 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,745Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: first-ingenious-rupee Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545464
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,100.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,170 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 18.48% Monthly payment: $108.36
 
Lender servicing fee: 1.00% Effective Yield*: 14.34%  
Estimated return*: 9.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1997 Debt/Income ratio: 25%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 9Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 32 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,033Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: loan-tom-tom Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 700-719 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
700-719 (Mar-2011)
 
Principal balance: $2,406.57 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Vacation
Purpose of loan:
This loan will be used to visit my sisters and their families for Christmas with remaining money after paying off current Prosper loan balance.

My financial situation:
I am a good candidate for this loan because I have a good stable job and have been employed there for over ten years.

Monthly net income: $3400
Monthly expenses: $2300
Housing: $1150
Insurance: $63
Car expenses: $455
Utilities: $110
Phone, cable, internet: $60
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545488
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-1991 Debt/Income ratio: 24%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,432Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: orbital-reward9 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
Personal loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545500
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: 60 months  
 
Lender yield: 25.87% Borrower rate/APR: 26.87% / 29.49% Monthly payment: $197.97
 
Lender servicing fee: 1.00% Effective Yield*: 25.23%  
Estimated return*: 14.73%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Mar-1996 Debt/Income ratio: 38%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 41Stated income:$25,000-$49,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,367 
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: crazyray1 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 61 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
680-699 (Aug-2009)
600-619 (Jul-2008)
600-619 (Jan-2008)
620-639 (Dec-2007)
 
Principal balance: $333.81 31+ days late: 0 ( 0% )
Total payments billed: 61  
Description
Home Improvement Loan
Purpose of loan: I am wanting to add a patio and carport to our home.
This loan will be used to...

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


Monthly net income: $3780
Monthly expenses: $
Housing: $535
Insurance: $180
Car expenses: $475
Utilities: $165
Phone, cable, internet: $210
Food, entertainment: $580
Clothing, household expenses: $230
Credit cards and other loans: $365
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545506
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $70.52
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* 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): 8 First credit line: Mar-2006 Debt/Income ratio: 6%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 7 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,863Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: monger242 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
HOLIDAYS
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545512
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: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $105.78
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* 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): 8 First credit line: Jun-2003 Debt/Income ratio: 9%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 3Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 12 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $422Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: No  
Screen name: capital-financier3 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545524
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 1.50%  
Term: 36 months  
 
Lender yield: 7.04% Borrower rate/APR: 8.04% / 8.38% Monthly payment: $470.32
 
Lender servicing fee: 1.00% Effective Yield*: 7.04%  
Estimated return*: 5.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Oct-1999 Debt/Income ratio: 20%
Credit score: 840-859 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 39 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,852Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: Yes  
Screen name: TriMT7 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
Starting a New Web-Based Business
This loan will be used to fund an online startup, that focuses on charitable driven e-commerce. I have approached and obtained a proposal package from a web development company. This loan will be used to fund the custom development and programming for the website based business.

I am an attorney with an average annual salary of approximately $110,000.00. I have excellent credit (800+).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545542
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: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $320.77
 
Lender servicing fee: 1.00% Effective Yield*: 28.22%  
Estimated return*: 13.52%  
* 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: 25%
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.
 
Borrower Payment Dependent Notes Series 545548
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: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $256.84
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.67%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Nov-1999 Debt/Income ratio: 60%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 7 Current / open credit lines: 5 / 8Length of status:14y 3m
Amount delinquent: $3,818 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,721Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: trustworthy714 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,223.85< 31 days late: 0 ( 0% )  
740-759 (May-2011)
 
Principal balance: $3,768.23 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Complete Home Improvement 4 Kids
No description is available.
Information in the Description is not verified.