Listing Report:Supplement No. 33 dated Jan 02, 2012 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 543840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $318.54
 
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: Sep-1992 Debt/Income ratio: 8%
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 24 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,314Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: organized-revenue1 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Eliminate Credit Card debt
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546568
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 18.48% Monthly payment: $227.21
 
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: Jan-1989 Debt/Income ratio: 16%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 36 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $20,994Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: Coffee4two Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 81 ( 100% ) 720-739 (Latest)
Principal borrowed: $11,500.00< 31 days late: 0 ( 0% )  
660-679 (Nov-2010)
700-719 (Jul-2008)
720-739 (Dec-2007)
 
Principal balance: $1,047.53 31+ days late: 0 ( 0% )
Total payments billed: 81  
Description
Cold floors, need insulation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547494
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 3.80%  
Term: 36 months  
 
Lender yield: 10.54% Borrower rate/APR: 11.54% / 14.36% Monthly payment: $428.94
 
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): 9 First credit line: Sep-1993 Debt/Income ratio: 14%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 19 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,044Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: flexible-social2 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
Purchase snowcone business
This loan will be used to purchase an existing snowcone business with huge profit potential.

My financial situation: I'm employed with a household income of $62,000 plus a yearly bonus paid in March.

I am a good candidate for this loan because I?m an honest, dependable, hardworking individual, with good credit history. The snow cone shop is located in Houston, Texas where summers are brutally hot and people look for any way to cool off. Last summer the shop averaged sales of $5,200 per month, but it has the potential to make so much more. The current owner has health issues which prevented him from open on regular bases. That is why he is selling the shop. Please help me acquire this snow cone shop with enormous potential.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547870
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $88.15
 
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-1995 Debt/Income ratio: 13%
Credit score: 680-699 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:18y 10m
Amount delinquent: $0 Total credit lines: 12 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,794Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: hard-working-pound574 Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
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: $ 2160.00
Monthly expenses: $
Housing: $ 630.00
Insurance: $ 70.00
Car expenses: $ 0
Utilities: $ 90.00
Phone, cable, internet: $ 140.00
Food, entertainment: $ 200.00
Clothing, household expenses: $ 50.00
Credit cards and other loans: $ 11000.00
Other expenses: $ 0.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Dec-1991 Debt/Income ratio: 14%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:8y 5m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
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: moola-association2 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 18.48% Monthly payment: $349.55
 
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: May-1984 Debt/Income ratio: 38%
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 34 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $149,565Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: cutthecards 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: 35 ( 100% ) 740-759 (Latest)
Principal borrowed: $25,000.00< 31 days late: 0 ( 0% )  
800-819 (Dec-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Family Medical
Purpose of loan: Beat high credit rates from big banks
This loan will be used to...pay unexpected, outstanding medical costs

My financial situation: Strong employment, no major outlays save mortgage and big bank credit
I am a good candidate for this loan because...


Monthly net income: $8,000
Monthly expenses: $
Housing: $2,000
Insurance: $80
Car expenses: $0
Utilities: $250
Phone, cable, internet: $40
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $3500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547998
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $79.64
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-2004 Debt/Income ratio: Not calculated
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,840Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: bold-triumphant-commitment Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Card Debt Consolidation
Purpose of loan:
This loan will be used to pay off a high interest credit card bill.

My financial situation:
I am a good candidate for this loan because I always pay on time and have enough money left over each month to pay back this loan.

Monthly net income: $ 1500
Monthly expenses: $ 1400
Housing: $ 800
Insurance: $ 200
Car expenses: $ 0
Utilities: $ 100 (heating is expensive on the east coast)
Phone, cable, internet: $ 50 (free with rent)
Food, entertainment: $ 150
Clothing, household expenses: $ 0
Credit cards and other loans: $ 100 per month towards credit card
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548066
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Nov-1997 Debt/Income ratio: 19%
Credit score: 680-699 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 21Length of status:11y 3m
Amount delinquent: $0 Total credit lines: 52 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,688Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: dime-cell 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
prepare home for sale
Purpose of loan:
This loan will be used to...prepare home for sale so that I can move home to Texas to be with my family.

My financial situation:
I am a good candidate for this loan because...I do not want to have a bad credit rating and it would my it difficult for me to obtain a job if my credit is bad because I am a insurance adjuster.


Monthly net income: $4000.00
Monthly expenses: $
Housing: $1400.00
Insurance: $100.00
Car expenses: $150.00
Utilities: $400.00
Phone, cable, internet: $300.00
Food, entertainment: $250.00
Clothing, household expenses: $100.00
Credit cards and other loans: $450.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548084
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 15.21% Borrower rate/APR: 16.21% / 19.11% Monthly payment: $105.78
 
Lender servicing fee: 1.00% Effective Yield*: 14.95%  
Estimated return*: 9.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-1989 Debt/Income ratio: 5%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 6Length of status:13y 5m
Amount delinquent: $0 Total credit lines: 18 Occupation: Teacher
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $772Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: discrete-diversification9 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
Pay Off Bills
Purpose of loan:
This loan will be used to...
Pay off excess bills
My financial situation:
I have a hospital bill, credit card bills, and an online bill that has been becoming burdens to me. I do not believe in being delinquent on any of my bills. I have an opportunity to better my credit score and I don't want to blow it.
Monthly net income: $3,200
Monthly expenses: $1,956
Housing: $1,148
Insurance: $188
Car expenses: $171
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $249
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548090
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Jun-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Jan-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,959Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: tremendous-funds1 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal Loan
Purpose of loan:
This loan will be used help me start a small business.

My financial situation:
I am a good candidate for this loan because I will make things happen with it and I will make all monthly payments.


Monthly net income: $1,200-$1,500
Monthly expenses: $700
Housing: $400
Insurance: $600 biannually
Car expenses: $100-200 a month
Utilities: $0- paid with rent money
Phone, cable, internet: $50
Food, entertainment: $50-100 a month
Clothing, household expenses: $20-40 a month
Credit cards and other loans: $155 a month
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548144
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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-1964 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:23y 9m
Amount delinquent: $0 Total credit lines: 8 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,014Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 110%  
   Homeownership: No  
Screen name: radiant-liberty768 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
Medical Bills
Purpose of loan:
This loan will be used to...

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


Monthly net income: $4000
Monthly expenses: $500
Housing: $1000
Insurance: 500
Car expenses: $200
Utilities: $400
Phone, cable, internet: $200Food, entertainment: $
Clothing, household expenses: $300
Credit cards and other loans: $400
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 546233
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: $4,000 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): 5 First credit line: Apr-2000 Debt/Income ratio: 31%
Credit score: 720-739 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 8Length of status:0y 9m
Amount delinquent: $15 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,142Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: kdenton85 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Sep-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 55 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $52,466Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 114%  
   Homeownership: Yes  
Screen name: OracleDBA 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 / 2 On-time: 6 ( 100% ) 640-659 (Latest)
Principal borrowed: $13,000.00< 31 days late: 0 ( 0% )  
780-799 (Apr-2011)
620-639 (Sep-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Business expansion
Purpose of loan:
This loan will be used to expand my business by increasing marketing and hiring a Jr. Technician for my business, www.actualbestllc.com
My financial situation:
I am a good candidate for this loan because I have never being late on single payment
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $172.60
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Oct-2003 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Dec-2011) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 5 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,447Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: calm-liberty072 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
Purpose of loan:
This loan will be used to pay off 3 credit card debts so that I can only have one fixed payments and would payoff when I am capable of.

My financial situation:
I am a good candidate for this loan because I have been working continuously as an Independent Contractor, and I just graduated with an MBA degree and currently seeking a new opportunity with a higher income.


Monthly net income: $2400
Monthly expenses:
Housing: $300 (Married and wife is taking care most of the housing expense)
Insurance: $45
Car expenses: $80
Utilities: $50
Phone, cable, internet: $30
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $400
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547957
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 10.50%  
Term: 36 months  
 
Lender yield: 23.87% Borrower rate/APR: 24.87% / 28.73% Monthly payment: $99.23
 
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): 2 First credit line: Apr-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Jan-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 44 Occupation: Attorney
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,383Stated income:$75,000-$99,999
Delinquencies in last 7y: 6 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: newaptsobe1 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 / 2 On-time: 51 ( 100% ) 660-679 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
640-659 (Aug-2011)
780-799 (Jul-2010)
760-779 (Dec-2009)
760-779 (Jul-2009)
 
Principal balance: $1,768.05 31+ days late: 0 ( 0% )
Total payments billed: 51  
Description
Marketing for new title company
Purpose of loan: Marketing of new title company
This loan will be used to fund a newly licensed title company and establishing a short sale negotiation department. I have identified this area as a growth area for South Florida legal and title market. By combining title, legal and negotiation work, the new company can achieve significant market share and meet the needs of realtors throughout South Florida.

My financial situation:
I am a good candidate for this loan because I have steady cash flow from operation of two separate law and CPA practices.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547971
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 2 First credit line: Oct-1993 Debt/Income ratio: 18%
Credit score: 680-699 (Jan-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 3Length of status:6y 9m
Amount delinquent: $298 Total credit lines: 27 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 56 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: principal-mover Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547977
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 4 First credit line: Sep-2003 Debt/Income ratio: 65%
Credit score: 660-679 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,148Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: capital-winner4 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay bills
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 547983
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: C Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 8.50%  
Term: 36 months  
 
Lender yield: 20.21% Borrower rate/APR: 21.21% / 24.98% Monthly payment: $415.61
 
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): 3 First credit line: Jun-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 61 Occupation: Other
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $37,414Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: GradStudent34 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 15 ( 100% ) 700-719 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
700-719 (Jun-2010)
660-679 (Dec-2009)
700-719 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Bringing accounts together
Purpose of loan: To lessen lines of credit open
This loan will be used to... Allow for more free cash to be used on payments

My financial situation: Pretty good. I make a good sallary, but would like a small break on cash going out.

I am a good candidate for this loan because...
I don't default

Monthly net income: $ 7150.00
Monthly expenses: $6000.00
Housing: $ 800.00
Insurance: $ 250.00
Car expenses: $ 366.00
Utilities: $ 200.00
Phone, cable, internet: $ 150.00
Food, entertainment: $ 300.00
Clothing, household expenses: $ 300.00
Credit cards and other loans: $ 1000.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 5.95%  
Term: 12 months  
 
Lender yield: 10.13% Borrower rate/APR: 11.13% / 18.84% Monthly payment: $176.88
 
Lender servicing fee: 1.00% Effective Yield*: 9.97%  
Estimated return*: 4.02%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1999 Debt/Income ratio: 10%
Credit score: 660-679 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 2Length of status:0y 2m
Amount delinquent: $174 Total credit lines: 10 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $59Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: enforcer779 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
Purpose of loan:
This loan will be used to...household expenses

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


Monthly net income: $1,800
Monthly expenses: $300
Housing: $300
Insurance: $0
Car expenses: $0
Utilities: $200
Phone, cable, internet: $50
Food, entertainment: $25
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548027
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 24.11% Borrower rate/APR: 25.11% / 28.97% Monthly payment: $219.00
 
Lender servicing fee: 1.00% Effective Yield*: 23.52%  
Estimated return*: 12.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-1988 Debt/Income ratio: 2%
Credit score: 780-799 (Jan-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,399Stated income:$100,000+
Delinquencies in last 7y: 17 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: peaceful-transparency0 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
DAUGHTERS DENTAL WORK
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548051
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 6 First credit line: Oct-2009 Debt/Income ratio: 2%
Credit score: 660-679 (Jan-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: top-dime-swashbuckler 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
house building
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548063
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.27% Borrower rate/APR: 31.27% / 35.28% Monthly payment: $172.60
 
Lender servicing fee: 1.00% Effective Yield*: 28.50%  
Estimated return*: 12.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Apr-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Jan-2012) Inquiries last 6m: 7Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:11y 1m
Amount delinquent: $0 Total credit lines: 19 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,815Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: marketplace-karate8 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
start new business
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548075
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Sep-1971 Debt/Income ratio: Not calculated
Credit score: 800-819 (Jan-2012) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 12 / 9Length of status:29y 8m
Amount delinquent: $0 Total credit lines: 25Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,099 
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: p2ploan-lion0 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
homr improvement loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548087
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 4 First credit line: Mar-1992 Debt/Income ratio: 5%
Credit score: 660-679 (Jan-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 2 Current / open credit lines: 2 / 0Length of status:36y 6m
Amount delinquent: $1,004 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: new-affluence-smasher 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 Misc Debts
Purpose of loan: Pay Misc Debts
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...I was employed with the State of California for 33 years prior to me retiring. I receive a monthly retirement check and I am agreeable to have the monthly payments taken directly from my monthly warrant.

Monthly net income: $2300
Monthly expenses: $885 (total from below expences)
Housing: $400
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $35
Food, entertainment: $200
Clothing, household expenses: $150
Credit cards and other loans: $0
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548099
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 1 First credit line: May-2002 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:12y 2m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,186Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: bold-handy-duty Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
vacation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548129
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 2 First credit line: Sep-1964 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Jan-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 2 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: youthful-loan1 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
HOUSEHOLD
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
I NEVER TOOK OUT A LOAN N I REALLY NEED TO PAY FOR MY BILLS N TAKE CARE OF MY KIDS.

Monthly net income: 6200
Monthly expenses: $3000
Housing: $1500
Insurance: $
Car expenses: $800
Utilities: $300
Phone, cable, internet: $300
Food, entertainment: $600
Clothing, household expenses: $2000
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 548147
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.27% Borrower rate/APR: 30.27% / 32.99% Monthly payment: $276.42
 
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-2000 Debt/Income ratio: 17%
Credit score: 640-659 (Dec-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 4 Current / open credit lines: 5 / 5Length of status:3y 9m
Amount delinquent: $1,549 Total credit lines: 15 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,581Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: No  
Screen name: proud-dollar4 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
My UnFinished Business
Purpose of loan:
This loan will be used to...re-open my business. My partner and I used to own a restaurant. We were young and was not business oriented yet. We closed down in less than a year..I have unfinished business with this restaurant. Who wouldn't love being a boss?

My financial situation:
I am a good candidate for this loan because...I have a good head on my shoulder. I wasted money and time but now I've given all of that up I'm responsible now and know what my goals are now. I'm so sick of living from paycheck to paycheck. Hopefully one day I can be on here lending money


Monthly net income: 3770
Monthly expenses: $2300
Housing: $0
Insurance: $125
Car expenses: $500
Utilities: $150
Phone, cable, internet: $125
Food, entertainment: $500
Clothing, household expenses: $250
Credit cards and other loans: $350
Other expenses: $300
Information in the Description is not verified.