Listing Report:Supplement No. 21 dated Dec 27, 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 537982
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Mar-1996 Debt/Income ratio: 21%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 32 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,121Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: peace-grove 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
Debt Considation
Purpose of loan:
This loan will be used to...
Consolidate debt into one fixed rate payment from credit cards with variable rates.
My financial situation:
I am a good candidate for this loan because I have been with the same employer for over 12 years. I pay all of my bills on time every month andam extremely reliable.


Monthly net income: $10000
Monthly expenses: $3000
Housing: $1120
Insurance: $133
Car expenses: $500
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 543790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.54% Borrower rate/APR: 11.54% / 14.36% Monthly payment: $131.98
 
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: Jun-1987 Debt/Income ratio: 22%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:17y 5m
Amount delinquent: $0 Total credit lines: 15 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $15,641Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: value-banjo2 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
Manager
Purpose of loan:
This loan will be used to pay off high-interest credit cards.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545658
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $160.73
 
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): 9 First credit line: May-1991 Debt/Income ratio: 18%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 15Length of status:15y 3m
Amount delinquent: $0 Total credit lines: 61 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,343Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: ouacita12 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 26 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2010)
660-679 (Oct-2010)
660-679 (Oct-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Payoff credit cards
Purpose of loan:
This loan will be used to payoff high interest rate Discover Card. I am trying to payoff all my debt and this is the fastest way to do it.

My financial situation:
I am a good candidate for this loan because I have stable job - same employer for 15 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545756
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $160.73
 
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-1983 Debt/Income ratio: 24%
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,399Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: marketplace-american5 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: 0 / 1 On-time: 8 ( 100% ) 760-779 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
800-819 (Dec-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Home Loan
Purpose of loan:
This loan will be used to...consolidate debts that were borrowed for home repairs.

My financial situation:
I am a good candidate for this loan because...I have excellent credit, a stable employment record and the home repairs have doubled the value of the property so far.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546100
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.27% Borrower rate/APR: 30.27% / 32.99% Monthly payment: $325.19
 
Lender servicing fee: 1.00% Effective Yield*: 28.53%  
Estimated return*: 17.33%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1986 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 1 Current / open credit lines: 14 / 13Length of status:1y 2m
Amount delinquent: $27,021 Total credit lines: 49Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,990 
Delinquencies in last 7y: 5 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: cougar13 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 all the debt I have on credit cards at high interest rate & consolidate them into one payment. This will put a stop to an unnecessary bank interest charges & balance transfer fees.

My financial situation:
I am a good candidate for this loan because I never missed a payment. In fact, the bank continued to charge me fees (balance transfer, interest charges) and yet, I pay them on time. This will go the same way with Prosper with just one payment.

Here?s my income breakdown: $1,600 from SSDI & $400 from pension. With this loan, I can afford $400 dollars a month which is pretty much from my pension directly.

Other costs below are already covered by my husband.

Monthly expenses: $1,160
Housing: $750
Insurance: $60
Car expenses: $100
Utilities: $ 120
Phone, cable, internet: $130
Food, entertainment: $
Clothing, household expenses: $0
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546194
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: B Listing Duration: 14 days
Minimum Amount to Fund: $11,000 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 20.51% Borrower rate/APR: 21.51% / 23.48% Monthly payment: $300.75
 
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: Feb-2002 Debt/Income ratio: 26%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 9Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 50 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,107Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: newest-special-pound9 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to... consolidate debt
My financial situation:
I am a good candidate for this loan because...


Monthly net income: $5000
Monthly expenses: $1600
Housing: $1000
Insurance: $89
Car expenses: $
Utilities: $100
Phone, cable, internet: $
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546814
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Nov-1988 Debt/Income ratio: 10%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 3Length of status:9y 9m
Amount delinquent: $283 Total credit lines: 12 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $370Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: blue-dollar-gravitas Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Clearing all debt before college
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546830
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $107.88
 
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): 5 First credit line: Aug-1995 Debt/Income ratio: 30%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 7 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $617Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: deal-friend8 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
Teacher in progress
Purpose of loan:
This loan will be used to pay bills during my husbands student teaching time.

My financial situation:
I am a good candidate for this loan because my husband has taught in private schools for many years and is excited to get his state certification


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 546856
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 23.87% Borrower rate/APR: 24.87% / 28.73% Monthly payment: $119.07
 
Lender servicing fee: 1.00% Effective Yield*: 23.28%  
Estimated return*: 12.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1999 Debt/Income ratio: 27%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 9 / 8Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,129Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: cash-encore Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 100% ) 640-659 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2010)
680-699 (May-2010)
 
Principal balance: $1,819.61 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
TK's 2012 Improvement Plan
Purpose of loan:
This loan will be used to... Assist in consolidating debt to become a more efficient.

My financial situation: Is good, secure. We are a two income household.
I am a good candidate for this loan because...I take pride in paying my debtor on time.


Monthly net income: $ 2,714
Monthly expenses: $ 2000 (Total of Below)
Housing: $250.
Insurance: $75
Car expenses: $75
Utilities: $250
Phone, cable, internet: $148
Food, entertainment: $ 300
Clothing, household expenses: $ 150
Credit cards and other loans: $ 350
Other expenses: $ 400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546896
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 60 months  
 
Lender yield: 29.27% Borrower rate/APR: 30.27% / 32.99% Monthly payment: $325.19
 
Lender servicing fee: 1.00% Effective Yield*: 28.53%  
Estimated return*: 17.33%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1984 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:20y 6m
Amount delinquent: $0 Total credit lines: 31Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $58,665 
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: lively-market5 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
Mom's loan
Purpose of loan:
This loan will be used to...

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


Monthly net income: $ 3,500
Monthly expenses: $
Housing: $ 0
Insurance: $ 150
Car expenses: $ 350
Utilities: $ 150
Phone, cable, internet: $40
Food, entertainment: $ 300
Clothing, household expenses: $ 100
Credit cards and other loans: $ 500
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546898
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: $10,500 Estimated loss*: 8.50%  
Term: 60 months  
 
Lender yield: 24.89% Borrower rate/APR: 25.89% / 28.49% Monthly payment: $448.13
 
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): 2 First credit line: Jun-1994 Debt/Income ratio: 47%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 9Length of status:15y 3m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,237Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: payment-observatory3 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: 0 / 1 On-time: 1 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
720-739 (Jun-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2000.00
Monthly expenses: $0
Housing: $0
Insurance: $
Car expenses: $313.00
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 546908
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Jan-1992 Debt/Income ratio: 17%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 5 Current / open credit lines: 12 / 7Length of status:7y 0m
Amount delinquent: $13,022 Total credit lines: 33 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $33,771Stated income:$100,000+
Delinquencies in last 7y: 35 Bankcard utilization: 123%  
   Homeownership: Yes  
Screen name: witty-hope3 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...consolidate debt

My financial situation:
I am a good candidate for this loan because...I earn a good salary but i have a few outstanding debts i would like to consolidate


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 546912
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 29.73% Borrower rate/APR: 30.73% / 34.73% Monthly payment: $171.41
 
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): 2 First credit line: Mar-1996 Debt/Income ratio: 36%
Credit score: 600-619 (Dec-2011) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,513Stated income:$25,000-$49,999
Delinquencies in last 7y: 17 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: duty-ninja Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 600-619 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
660-679 (Jan-2011)
 
Principal balance: $3,452.96 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
I can pay you rather than the citi.
Purpose of loan:
This loan will be used to...
consolidate credit cards
My financial situation: Wells Fargo
I am a good candidate for this loan because...I am a proven customer with Prosper


Monthly net income: $2070
Monthly expenses: $0
Housing: $0
Insurance: $0
Car expenses: $50
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $250
Clothing, household expenses: $150
Credit cards and other loans: $600
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546920
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Jun-1993 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 4 Current / open credit lines: 3 / 2Length of status:14y 3m
Amount delinquent: $10,333 Total credit lines: 34 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,205Stated income:$50,000-$74,999
Delinquencies in last 7y: 16 Bankcard utilization: 75%  
   Homeownership: Yes  
Screen name: heartpounding-yield5 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
business improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546926
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 29.73% Borrower rate/APR: 30.73% / 34.73% Monthly payment: $171.41
 
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: Apr-1990 Debt/Income ratio: 33%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 6 / 6Length of status:5y 6m
Amount delinquent: $36,514 Total credit lines: 35 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 29 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: Bellasmom Borrower's state: Washington Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
560-579 (Jan-2007)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Looking to consolidate.
Purpose of loan:
I am going to use this loan to consolidate the last of my credit card bills. In the past two years I have finally taken control of my finanaces and would love to pay off my last two credit cards. Working hard to become debt free!!

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


Monthly net income: $ 4,700.00
Monthly expenses: $
Housing: $ 850.00
Insurance: $ 140.00
Car expenses: $ 400.00
Utilities: $ 150.00
Phone, cable, internet: $ 60.00
Food, entertainment: $ 500.00
Clothing, household expenses: $ 100.00
Credit cards and other loans: $ 300.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546932
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 5 First credit line: Jul-1994 Debt/Income ratio: 5%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 0Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 24 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: cynobyter 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
Purpose of loan:
This loan will be used to...home improvement

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 546934
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $401.82
 
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: Jun-1994 Debt/Income ratio: 41%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:32y 5m
Amount delinquent: $0 Total credit lines: 46 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,610Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: Bailey4225 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 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
640-659 (Mar-2011)
 
Principal balance: $12,032.75 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Refi Existing Prosper Loan 10% less
Purpose of loan:
This loan will be used to...Refinance existing loan

My financial situation:
I am a good candidate for this loan because...Make my payments every month, and I'm just trying to take advantage of the offer Prosper has made me to refinance my current loan saving 10% on the interest rate!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,200.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,200 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 18.48% Monthly payment: $111.86
 
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): 5 First credit line: Apr-1990 Debt/Income ratio: 30%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 26 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,176Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: orange-cerebral-bid Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 90% ) 720-739 (Latest)
Principal borrowed: $7,500.00< 31 days late: 1 ( 10% )  
740-759 (Feb-2011)
 
Principal balance: $5,742.43 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Trying to get a lower interest rate
Purpose of loan: lower interest rate
This loan will be used to pay off an existing credit card balance

My financial situation: good
I am a good candidate for this loan because I pay off my debt. just paid off two loans: one was a car loan.


Monthly net income: $5,500
Monthly expenses: $500
Housing: $1300
Insurance: $100
Car expenses: $100
Utilities: $220
Phone, cable, internet: $paid via company
Food, entertainment: $500
Clothing, household expenses: $
Credit cards and other loans: $paid via company
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546954
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 29.73% Borrower rate/APR: 30.73% / 34.73% Monthly payment: $171.41
 
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: Feb-1995 Debt/Income ratio: 22%
Credit score: 620-639 (Dec-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 13Length of status:6y 7m
Amount delinquent: $3,217 Total credit lines: 27 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $18,679Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: decisive-loot120 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 4 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
700-719 (Aug-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
Consolidate
Purpose of loan:
This loan will be used to...Pay bills

My financial situation:
I am a good candidate for this loan because...I will be able to repay it in 3 months


Monthly net income: $4000
Monthly expenses: $
Housing: $1600
Insurance: $400
Car expenses: $300
Utilities: $400
Phone, cable, internet: $400
Food, entertainment: $300
Clothing, household expenses: $300
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 5 First credit line: Jul-2003 Debt/Income ratio: 27%
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 26 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,387Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: wampum-tulip789 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
Bills
Purpose of loan: Pay bills
This loan will be used to...

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


Monthly net income: $4000
Monthly expenses: $
Housing: $1200
Insurance: $130
Car expenses: $365
Utilities: $150
Phone, cable, internet: $119
Food, entertainment: $150
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546962
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $119.45
 
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: Oct-1987 Debt/Income ratio: 9%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 34 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,519Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: innocent-peso7 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
extra funds for the holidays.
Purpose of loan:
This loan will be used to...
debt
My financial situation:
I am a good candidate for this loan because...
I pay bill ontime.

Monthly net income: $2,500.00
Monthly expenses: 90.00Housing: $1,200.00
Insurance: $25.00
Car expenses: $200.00
Utilities: $70.00
Phone, cable, internet: $160.00
Food, entertainment: $100.00
Clothing, household expenses: $40.00
Credit cards and other loans: $65.00
Other expenses: $
20.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546970
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 1.50%  
Term: 36 months  
 
Lender yield: 7.04% Borrower rate/APR: 8.04% / 8.38% Monthly payment: $156.77
 
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-1983 Debt/Income ratio: 18%
Credit score: 800-819 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 9Length of status:4y 6m
Amount delinquent: $675 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,112Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: AllegroConBrio Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto Loan for a Minivan
Purpose of loan:
This loan will be used to buy a minivan to replace our old car in anticipation of the twins who will be born in a few months.

My financial situation:
I am a good candidate for this loan because I am a financially responsible person and have an excellent credit score. I just got an MBA, and it looks like we need to move out of state. We need a reliable car especially for the twins.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546986
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 5.20%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 18.48% Monthly payment: $524.32
 
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: Aug-1996 Debt/Income ratio: 29%
Credit score: 800-819 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 26 / 24Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 47 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,188Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: Yes  
Screen name: shopforsaving 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 / 2 On-time: 55 ( 100% ) 800-819 (Latest)
Principal borrowed: $11,000.00< 31 days late: 0 ( 0% )  
760-779 (Apr-2010)
740-759 (Dec-2009)
760-779 (Aug-2009)
740-759 (Jun-2008)
 
Principal balance: $2,871.91 31+ days late: 0 ( 0% )
Total payments billed: 55  
Description
Pay Off High Interest Credit Cards
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546990
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $141.04
 
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: Apr-1998 Debt/Income ratio: 18%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 37 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,027Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: lehollo 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
Wedding Funds
Purpose of loan:
This loan will be used to help pay for my wedding. My father has had medical issues over the past 5 years and is unable to help us. I thought this might be a better avenue than using credit cards. I like to avoid using credit cards and currently do not charge anything to a card unless it is an emergency.

My financial situation:
I am a good candidate for this loan because I have been employed with the same company for over 3 years and keep my accounts current and in good standing. My work is very busy so there is no threat of layoff or downsizing.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547032
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 8.50%  
Term: 36 months  
 
Lender yield: 20.21% Borrower rate/APR: 21.21% / 24.98% Monthly payment: $75.57
 
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: Feb-2000 Debt/Income ratio: 25%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 10Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 25 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,994Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: candors18 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
560-579 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Home Improvement Loan
Purpose of loan: Kitchen Improvements
This loan will be used to... repair flooring damaged by dishwasher "issue"...(flooded)

My financial situation: I'm a good position. My issue today is that I don't have the liquid funds to pay for these repairs yet it's something that needs to be done sooner than later.

I am a good candidate for this loan because... I will be able to pay this loan off much sooner than the maturity date. I know this doesn't help a potential loaner make a great deal of interest revenue from me but it's my goal to pay this off in March, when I receive my annual bonus from work.


Monthly net income: $7083
Monthly expenses: ALL BELOW
Housing: $1850
Insurance: $75
Car expenses: $1150
Utilities: $50
Phone, cable, internet: $60
Food, entertainment: $75
Clothing, household expenses: $50
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539329
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 23.87% Borrower rate/APR: 24.87% / 28.73% Monthly payment: $158.76
 
Lender servicing fee: 1.00% Effective Yield*: 23.28%  
Estimated return*: 12.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1994 Debt/Income ratio: 28%
Credit score: 600-619 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:12y 2m
Amount delinquent: $0 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,434Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: newhoudl Borrower's state: Maryland Borrower's group: Debt Consolidators
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 54 ( 100% ) 600-619 (Latest)
Principal borrowed: $8,001.00< 31 days late: 0 ( 0% )  
660-679 (May-2010)
620-639 (Mar-2007)
620-639 (Jan-2007)
 
Principal balance: $1,139.53 31+ days late: 0 ( 0% )
Total payments billed: 54  
Description
My personal loan
Purpose of loan: Household/Medical bills
This loan will be used to...pay the co-payments on a recent outpatient surgery and pay down the balance on some revolving credit cards.

My financial situation:
I am a good candidate for this loan because...I have had 2 Prosper loans in the past and paid them as agreed. While I have very little cushion for unexpected contingencies such as recent surgery, my income is steadily increasing each year and is expected to continue. My adult son will soon be able to contribute to the expenses of one car and its insurance.


Monthly net income: $ 5440
Monthly expenses: $ 4902
Housing: $ 1840
Insurance: $ 185
Car expenses: $ 1000
Utilities: $ 325
Phone, cable, internet: $ 75
Food, entertainment: $ 700
Clothing, household expenses: $ 205
Credit cards and other loans: $ 572
Other expenses: $ surgery co-pays total: 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 539973
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 18.48% Monthly payment: $524.32
 
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: Mar-1993 Debt/Income ratio: 35%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 16Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $116,559Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: fair-gain5 Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained 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: 25 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
720-739 (Oct-2009)
 
Principal balance: $1,354.60 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Reduced Intrest Rates
Purpose of loan:
This loan will be used to pay off a high intrest rate card.
My financial situation:
I am a good candidate for this loan because this would be my second loan through Propser and I have never been late.

This is a win win situation for both of us. I get a reduced rate and you earn income which does not go to a Credit Card Company.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 541773
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,300.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,010 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 18.48% Monthly payment: $150.31
 
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): 5 First credit line: Apr-1998 Debt/Income ratio: 18%
Credit score: 720-739 (Nov-2011) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,670Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: tasha30240 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
640-659 (Apr-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 2  
Description
Pay off Credit Cards
Purpose of loan:
This loan will be used to...Payoff credit cards and small home inprovements

My financial situation:
I am a good candidate for this loan because...
I had a loan with Prosper once and paid off

Monthly net income: $2700
Monthly expenses: $
Housing: $690
Insurance: $185 home and auto combined
Car expenses: $
Utilities: $225
Phone, cable, internet: $90
Food, entertainment: $450
Clothing, household expenses: $125
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 543169
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: C Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 8.50%  
Term: 36 months  
 
Lender yield: 20.21% Borrower rate/APR: 21.21% / 24.98% Monthly payment: $151.13
 
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-1985 Debt/Income ratio: 35%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 4Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,185Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: bill-excellence4 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
720-739 (May-2011)
 
Principal balance: $1,768.09 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Debt consolidation
Purpose of loan To consolidate debt
This loan will be used to...

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


Monthly net income: $ 1272.00
Monthly expenses: $ 511.00
Housing: $ 00.00 Paid off
Insurance: $ 25.00
Car expenses: $ 50.00
Utilities: $ 55.00
Phone, cable, internet: $ 51.00
Food, entertainment: $ 200.00
Clothing, household expenses: $
Credit cards and other loans: $ 130.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 544231
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,600.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,600 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $162.20
 
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: Aug-1997 Debt/Income ratio: 14%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,798Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: industrious-point478 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
My personal loan
Purpose of loan: new furnace for my home
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545297
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $119.45
 
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): 8 First credit line: Dec-2000 Debt/Income ratio: 12%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 5Length of status:26y 6m
Amount delinquent: $140 Total credit lines: 14 Occupation: Professional
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $881Stated income:$50,000-$74,999
Delinquencies in last 7y: 13 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: consummate-marketplace8 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
Home Improvement
Purpose of loan: Home Improvement
This loan will be used to...

My financial situation:
I am a good candidate for this loan because..I want to build my credit


Monthly net income: $ 5,000.00
Monthly expenses: $
Housing: $ 1856.00
Insurance: $ 471.65
Car expenses: $ 461.00
Utilities: $ 125.00
Phone, cable, internet: $ 128.00
Food, entertainment: $ 100.00
Clothing, household expenses: $ 200.00
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545311
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $257.16
 
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): 9 First credit line: Jan-1995 Debt/Income ratio: 13%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 31 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,760Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: Zukunft Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 740-759 (Latest)
Principal borrowed: $10,500.00< 31 days late: 0 ( 0% )  
740-759 (Jan-2011)
 
Principal balance: $8,016.43 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Refinancing Prosper loan
Purpose of loan:
Refinancing Prosper loan

My financial situation:
I am a good candidate for this loan because I have great credit and have never have missed a payment. I am trying to lower my current rate with Prosper by 5%.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 545453
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 5 First credit line: Feb-1994 Debt/Income ratio: Not calculated
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:12y 5m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,781Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: spartan06 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to make improvements to my home while excellent conditions exist btween competing home improvement contractors

My financial situation:
I am a good candidate for this loan because my credit score is high, my current income is over $150,000 per year, and my credit report is "clean".
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546087
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Apr-1995 Debt/Income ratio: Not calculated
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 10Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,014 
Delinquencies in last 7y: 4 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: finance-ceremony5 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
Business loan
Purpose of loan: Business
This loan will be used to a commercial kitchen exhaust cleaning business.

My financial situation:
I am a good candidate for this loan because I have experience in the pest control and hood cleaning service to restaurants.


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 546225
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $85.54
 
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): 4 First credit line: Aug-2001 Debt/Income ratio: 7%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 16 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,175Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: studious-truth1 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:
Pay off some credit cards with high interest.

My financial situation:
I am full time employed with 15 years of experience in my industry. My income is reliable and never miss a payment on any of my credit cards. I just want to pay off my debt faster.


Monthly net income: $8K
Housing: $2190
Insurance: $300
Car expenses: $500
Utilities: $800
Credit cards and other loans: $1500
Other expenses: $600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546689
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Jan-1981 Debt/Income ratio: 36%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 15Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,148Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: kindness-baby5 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
Moving to a new home
Purpose of loan: Moving expenses
This loan will be used to... cover extra expenses during the moving process

My financial situation:
I am a good candidate for this loan because...I have a long work history and credit history with previous loans being paid off on time.


Monthly net income: $4300.00
Monthly expenses: $4000.00
Housing: $1000.00
Insurance: $318.00
Car expenses: $483.00
Utilities: $150.00
Phone, cable, internet: $120.00
Food, entertainment: $50.00
Clothing, household expenses: $200.00
Credit cards and other loans: $1500.00
Other expenses: $ 79.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546809
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $179.18
 
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: Jul-2003 Debt/Income ratio: 21%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 4 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,447Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: platinum-chef2 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto Loan
Purpose of loan:
This loan will be used to buy a used to get a newer car after my current cars transmission and timing belt went.

My financial situation:
I am a good candidate for this loan because I work two jobs and am dedicated to paying of my loans quickly and on time.


Monthly net income: 1928 $
Monthly expenses: 100$
Housing: 450$
Insurance: 100$
Car expenses: 50$
Utilities: 0$
Phone, cable, internet: 0$
Food, entertainment: 100 $
Clothing, household expenses: 50$
Credit cards and other loans: 50$
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546877
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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 546889
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $385.74
 
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: Dec-2001 Debt/Income ratio: 21%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 35 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,711Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: gooseygoos Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
700-719 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Debt Consolidation
Purpose of loan: I will use this loan to pay off my credit card debt that I have accumulated from moving across the country to follow my career.

My financial situation:
I am a good candidate for this loan because I always make my payments on time. I have used this site in the past and had no problem paying off a previous loan. I have a full time job and am currently making more money than I have in the past. I am ready to be debt free.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546891
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 6.49% Borrower rate/APR: 7.49% / 7.83% Monthly payment: $622.03
 
Lender servicing fee: 1.00% Effective Yield*: 6.49%  
Estimated return*: 5.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Nov-1991 Debt/Income ratio: 17%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:14y 5m
Amount delinquent: $0 Total credit lines: 71 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,007Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: Ambassador 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 30 ( 100% ) 780-799 (Latest)
Principal borrowed: $5,100.00< 31 days late: 0 ( 0% )  
780-799 (Jun-2010)
780-799 (Oct-2009)
 
Principal balance: $1,122.23 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Pay off credit card
Purpose of loan:
This loan will be used to pay off higher APR credit cards

My financial situation:
I am a good candidate for this loan because i have paid my loans on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546893
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 60 months  
 
Lender yield: 29.27% Borrower rate/APR: 30.27% / 32.99% Monthly payment: $325.19
 
Lender servicing fee: 1.00% Effective Yield*: 28.53%  
Estimated return*: 17.33%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-2001 Debt/Income ratio: 16%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,596Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: green-alluring-leverage 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
Consolidate bills
Purpose of loan:
This loan will be used to...pay off credit card and a few other bills.

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 546901
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 2 First credit line: Oct-2003 Debt/Income ratio: 37%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:11y 8m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,784Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: palexa_mba 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
Moving fee
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546905
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: $15,000 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: Aug-1998 Debt/Income ratio: 18%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:11y 2m
Amount delinquent: $0 Total credit lines: 34 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,409Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: enticing-treasure8 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
Basement Remodel
Purpose of loan:
This loan will be used to remodel my basement. Plans consist of a theater room and bar area. This remodel has been planned for years and I finally have the time to devote towards the renovation. The plan is expected to have it completed by summer 2012.

My financial situation:
I have an excellent paying postion with the State of NY and I am eligible for retirement in 10 years. My home was purchased new in 2005 and does not have enough equity to qualify for a home equity loan. A large amount of my salary is deducted for my Deferred Compensation plan which I elect to max the benefit out for each year. My credit is almost perfect and I take pride in obtaining the best score possible. Lastly, I would prefer that an individual make the capital off the interest rather than a banking institution, I believe I may start investing in Prosper myself at some point.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 29.73% Borrower rate/APR: 30.73% / 34.73% Monthly payment: $171.41
 
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): 3 First credit line: Mar-2006 Debt/Income ratio: 60%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 29 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,991Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 120%  
   Homeownership: Yes  
Screen name: sensible-peso048 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
660-679 (Mar-2011)
 
Principal balance: $2,495.80 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Funds for Debt Consolidation
Purpose of loan:
This loan will be used to...

My financial situation: fair
I am a good candidate for this loan because...
I have may all current payments on time.

Monthly net income: $2,000
Monthly expenses: $
Housing: $560.00
Insurance: $43.00
Car expenses: $100.00
Utilities: $100.00
Phone, cable, internet: $95.00
Food, entertainment: $200.00
Clothing, household expenses: $0.00
Credit cards and other loans: $200.00
Other expenses: $0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 5.20%  
Term: 60 months  
 
Lender yield: 19.05% Borrower rate/APR: 20.05% / 21.99% Monthly payment: $397.83
 
Lender servicing fee: 1.00% Effective Yield*: 18.71%  
Estimated return*: 13.51%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jan-1989 Debt/Income ratio: 42%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:23y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,695Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: graceful-bonus8 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
720-739 (Jun-2011)
 
Principal balance: $3,536.17 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
debt consolidation
Purpose of loan:
This loan will be used to...pay off credit cards so that i can combine them into one monthly payment

My financial situation:
I am a good candidate for this loan because...I have a steady and secure job as a teacher. I have been employed for 23 years with the same school district. I am wanting to get a good grip on my financial situation.


Monthly net income: $3,149.32
Monthly expenses: $2252.53
Housing: $473.00
Insurance: $100.00
Car expenses: $165.00
Utilities: $125.00
Phone, cable, internet: $150.00
Food, entertainment: $200.00
Clothing, household expenses: $
Credit cards and other loans: $600.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546935
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,850 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $498.25
 
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-1988 Debt/Income ratio: 17%
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:12y 11m
Amount delinquent: $0 Total credit lines: 25 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,377Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: carpediem1 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 51 ( 100% ) 760-779 (Latest)
Principal borrowed: $35,000.00< 31 days late: 0 ( 0% )  
740-759 (Aug-2010)
700-719 (Sep-2009)
700-719 (Jul-2009)
680-699 (Nov-2007)
 
Principal balance: $9,080.97 31+ days late: 0 ( 0% )
Total payments billed: 51  
Description
Debt Consolidation
Proceeds from this loan will be used to pay off credit card debt I incurred for business.This loan will replace that card debt.As you can see, I have a 760+ credit score, a paid in full previous loan, a current loan,and low debt to income ratio.My site, MROCHEM.com is doing well, and has a D & B paydex of 80(out of 80), and is profitable. Of course, I am personally responsible for this loan. I have 1 loan Paid in Full with Prosper, never late. As a lender myself, I know how important it is to deal with quality borrowers who make their payments on time.
I am also the group leader of AAAA Fund America.
Mastercard- 8000
Visa- 7000
interest rates on above range from 25-29.99%,due to recent rate increases(even though I've never been late) by Chase.
I'd rather pay you.
Feel free to contact me regarding any aspect of this listing.
Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 10.50%  
Term: 60 months  
 
Lender yield: 25.87% Borrower rate/APR: 26.87% / 29.49% Monthly payment: $304.58
 
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: Apr-1997 Debt/Income ratio: 44%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 8Length of status:3y 4m
Amount delinquent: $54,881 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,210Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: bid-britches 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: 13 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
700-719 (Nov-2010)
 
Principal balance: $1,869.51 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Debt consolidation
Purpose of loan: debt consolidation

This loan will be used to pay off car and some medical bills to lower overall monthly payments

My financial situation: Good

I am a good candidate for this loan because me and my wife both work full time and have never missed a Prosper payment. It will be setup direct withdrawl.


Monthly net income: $ 5650
Housing: $ 860
Insurance: $ 200
Car expenses: $ 700
Utilities: $ 250
Phone, cable, internet: $ 150
Food, entertainment: $ 700
Credit cards and other loans: $ 300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546961
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Nov-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,062Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: shrewd-payment4 Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Expenses
Purpose of loan: Business Development
This loan will be used to...invest in marketing materials and an advertising campaign. I will also create products for distribution in local stores.

My financial situation: Fair
I am a good candidate for this loan because...my business is self sustaining on a word-of-mouth and custom order basis. I make enough to pay my bills and expenses. I know the business can grow with an expanded market and presence. I also can increase my profits with pre-made products for sale in a variety of venues.


Monthly net income: $ 3500
Monthly expenses: $3100
Housing: $ 1650
Insurance: $ 350
Car expenses: $
Utilities: $ 250
Phone, cable, internet: $ 150
Food, entertainment: $ 300
Clothing, household expenses: $ 150
Credit cards and other loans: $ 50
Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546967
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: $7,000 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.27% Borrower rate/APR: 30.27% / 32.99% Monthly payment: $227.64
 
Lender servicing fee: 1.00% Effective Yield*: 28.53%  
Estimated return*: 17.33%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1996 Debt/Income ratio: 25%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,800Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: JORGE5398 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
Debth Consolidation
Purpose of loan:
This loan will be used to Consolidate my debth

My financial situation:
I am a good candidate for this loan because I always pay on time. I am a responsible person.


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 546977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Jun-1998 Debt/Income ratio: 52%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 34 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $20,901Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: benjamins-flute1 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation
Purpose of loan:
This loan will be used to...consolidate bills so we have one payment. My wife and I need to get on track now that Christmas is over. I just want to get things paid off.

My financial situation:
I am a good candidate for this loan because...We always pay our bills on time and we are just struggling right now.


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 546979
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: AA Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 1.50%  
Term: 60 months  
 
Lender yield: 10.54% Borrower rate/APR: 11.54% / 11.76% Monthly payment: $165.10
 
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: May-1995 Debt/Income ratio: 10%
Credit score: 780-799 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:10y 11m
Amount delinquent: $188 Total credit lines: 12 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,200Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: cardiac_kids 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
Home improvement Loan
Purpose of loan: This loan will be used to repaint the interior of my home. It includes minor baseboard replacement. Upgrade the third bathroom on the main level, replace ceiling fan and light fixture in dining room and great room.My financial situation: I am a good candidate for this loan because I have a stable employment background and the ability to pay the loan back. The improvements are to prepare my home for sale in the Spring. My oldest daughter moved out and we are looking to downsize.I make $86500 Salary and$15000 in Bonus a year. I planned to wait for my bonus in April, but wanted to get the work done over the winter so the timing for sale would be better.Thank you very much
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546987
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 29.58% Borrower rate/APR: 30.58% / 34.58% Monthly payment: $171.08
 
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): 4 First credit line: May-2000 Debt/Income ratio: 21%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 12Length of status:26y 3m
Amount delinquent: $0 Total credit lines: 60 Occupation: Psychologist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,242Stated income:$75,000-$99,999
Delinquencies in last 7y: 17 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: wonderful-marketplace5 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
Medical Purposes
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 2.00%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $160.73
 
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): 9 First credit line: Jul-1995 Debt/Income ratio: 13%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 26 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,623Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: happy-gold8 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: 19 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
680-699 (Apr-2010)
 
Principal balance: $2,864.97 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate current loans (Prosper home improvements, and a couple of credit cards one for a new AC unit and one for dental work), looking for a lower interest rate and lower payments.

My financial situation:
I am a good candidate for this loan because by paying with direct debit, payments are always on time, I have a very stable employment, working for a non profit AIDS Hospice, since 2003. Have working for this agency for a total of 16 years as an RN and Director. I use credit cards minimally and only for unexpected expenses. I currently have a prosper home improvement loan from 2010, when I purchased my condo that had a high interest rate, but have working the last 5 years on improving that. I am hoping for a lower interest rate and will pay off the current loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547003
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Nov-1999 Debt/Income ratio: 27%
Credit score: 740-759 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 28 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,760Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: marketplace-proton4 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
pay off debits
Purpose of loan: pay off credit cars and vacation etc.
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...i have great credit history and


Monthly net income: $3975
Monthly expenses: $450
Housing: $800
Insurance: $140
Car expenses: $650
Utilities: $55
Phone, cable, internet: $69
Food, entertainment: $100
Clothing, household expenses: $25
Credit cards and other loans: $300
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547061
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 10.70%  
Term: 12 months  
 
Lender yield: 18.00% Borrower rate/APR: 19.00% / 28.92% Monthly payment: $368.63
 
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): 6 First credit line: Mar-1991 Debt/Income ratio: 36%
Credit score: 760-779 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:21y 8m
Amount delinquent: $0 Total credit lines: 28 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,487Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: newest-proud-responsibility 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
To pay some bills off & start savin
Purpose of loan:
This loan will be used to...pay some bills off and start a saving account.

My financial situation:
I am a good candidate for this loan because...my credit score is 762 and I always pay my loans back on time.


Monthly net income: $3,980
Monthly expenses: $475.00
Housing: $1,200.00
Insurance: $0
Car expenses: $0
Utilities: $45
Phone, cable, internet: $0
Food, entertainment: $145
Clothing, household expenses: $0
Credit cards and other loans: $300
Other expenses: $150
Information in the Description is not verified.