Listing Report:Supplement No. 10 dated Jan 18, 2012 to Prospectus dated Jan 12, 2012
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 Jan 12, 2012 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 Jan 12, 2012 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 548080
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: $7,800.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $5,460 Estimated loss*: 5.20%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $268.45
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 8.06%  
* 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-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Jan-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,197Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: social-allotment 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 86% ) 720-739 (Latest)
Principal borrowed: $11,946.74< 31 days late: 1 ( 14% )  
780-799 (May-2011)
 
Principal balance: $11,293.96 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
need loan to settle back taxes
Purpose of loan:
This loan will be used to...

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


Monthly net income: $6800.00
Monthly expenses: $
Housing: $1200.00
Insurance: $580.00
Car expenses: $320.00
Utilities: $140.00
Phone, cable, internet: $150.00
Food, entertainment: $300.00
Clothing, household expenses: $
Credit cards and other loans: $379.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 550024
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: $12,400.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $8,680 Estimated loss*: 5.95%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $317.92
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.20%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1988 Debt/Income ratio: 11%
Credit score: 760-779 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $53,450Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: hope-point294 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan for my business
Purpose of loan:
This loan will be used to make a payment on a planter

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


Monthly net income: $15000
Monthly expenses: $
Housing: $1900
Insurance: $163
Car expenses: $1440
Utilities: $329
Phone, cable, internet: $291
Food, entertainment: $894
Clothing, household expenses: $530
Credit cards and other loans: $6000
Other expenses: $5000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 550600
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: C Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $218.73
 
Lender servicing fee: 1.00% Effective Yield*: 23.12%  
Estimated return*: 14.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-1999 Debt/Income ratio: 18%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 6Length of status:7y 5m
Amount delinquent: $298 Total credit lines: 19 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,028Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: sensational-capital364 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
privale loan
Purpose of loan:
This loan will be used to..expand home business.

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


Monthly net income: $3000
Monthly expenses: $320
Housing: $600
Insurance: $80
Car expenses: $0
Utilities: $100
Phone, cable, internet: $80
Food, entertainment: $120
Clothing, household expenses: $75
Credit cards and other loans: $200
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551762
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Nov-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 22 Occupation: Professional
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: trade-pecan Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business expansion loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551920
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*: 11.90%  
Term: 36 months  
 
Lender yield: 24.52% Borrower rate/APR: 25.52% / 29.39% Monthly payment: $400.35
 
Lender servicing fee: 1.00% Effective Yield*: 23.92%  
Estimated return*: 12.02%  
* 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): 6 First credit line: Jun-2001 Debt/Income ratio: 18%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 14 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,402Stated income:$50,000-$74,999
Delinquencies in last 7y: 9 Bankcard utilization: 102%  
   Homeownership: No  
Screen name: return-treaty2 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
inquiry
Purpose of loan:
This loan will be used to pay off existing credit card debt previously used for home improvements and to reduce my overall debt and financial strain.

My financial situation:
I am a good candidate for this loan because im currently up to date on all my loan payments and other financial obligations and i have excellent work history with stable employment.


Monthly net income: $4000
Monthly expenses: $
Housing: $925
Insurance: $100
Car expenses: $250
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $550
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552086
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: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $384.58
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.20%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Apr-2002 Debt/Income ratio: 18%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 21 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,894Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: friendly-wampum7 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
Product Design loan
Purpose of loan:
This loan will be used to help finance the production of a prototype of a risk based model to be pitched to financial firms to identify areas of profit and misnomers in the market to form arbitrage opportunies.

My financial situation:
I am a good candidate for this loan because I live at home have a good salary in a safe role at my current firm. I'm not in any type of financial array.


Monthly net income: $4900
Monthly expenses: $
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552104
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 14.90%  
Term: 36 months  
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 35.00% Monthly payment: $107.49
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 13.71%  
* 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): 1 First credit line: Jul-2001 Debt/Income ratio: 33%
Credit score: 680-699 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 40 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,485Stated income:$25,000-$49,999
Delinquencies in last 7y: 22 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: Slimebaul Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 23 ( 100% ) 680-699 (Latest)
Principal borrowed: $1,250.00< 31 days late: 0 ( 0% )  
600-619 (Aug-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 23  
Description
Consolidating
Purpose of loan:
This loan will be used to payoff various smaller debts so that I can just pay on one. That way I can be debt free sooner.

My financial situation:
I am a good candidate for this loan because I have been building my credit for years and am now monitoring it. My score is getting close to 700.


Monthly net income: $2900
Monthly expenses: $250
Housing: $575
Insurance: $140
Car expenses: $80
Utilities: $100
Phone, cable, internet: $160
Food, entertainment: $300
Clothing, household expenses: $75
Credit cards and other loans: $350
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552176
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $262.48
 
Lender servicing fee: 1.00% Effective Yield*: 23.12%  
Estimated return*: 14.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-1999 Debt/Income ratio: 16%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 13 / 13Length of status:6y 4m
Amount delinquent: $1,500 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,508Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: credible-felicity7 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
debt conslodation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $ 4800
Monthly expenses:
Housing: $1350
Insurance: $0
Car expenses: $0
Utilities: $200
Phone, cable, internet: $300
Food, entertainment: $300
Clothing, household expenses: $ 100
Credit cards and other loans: $ not paid by me
Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552178
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: 8.99% Borrower rate/APR: 9.99% / 12.78% Monthly payment: $419.41
 
Lender servicing fee: 1.00% Effective Yield*: 8.97%  
Estimated return*: 5.17%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1999 Debt/Income ratio: 34%
Credit score: 800-819 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 22 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,791Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: first-purposeful-camaraderi 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
emerald23
Purpose of loan:
This loan will be used to consolidate debt at a lower interest rate and into one payment that is more manageable.

My financial situation:
I am a good candidate for this loan because my credit is very good, I am steadily employed with a good salary and no dependants, and I am trying to get out of debt permanently
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $108.57
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1998 Debt/Income ratio: 24%
Credit score: 680-699 (Jan-2012) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 44 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,719Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: nimble-moola1 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
Gemini
Purpose of loan:
This loan will be used to... pay someone back

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


Monthly net income: $2,600
Monthly expenses: $
Housing: $400.00
Insurance: $160.00
Car expenses: $250.00
Utilities: $50.00
Phone, cable, internet: $100.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552200
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $206.50
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-1999 Debt/Income ratio: 12%
Credit score: 720-739 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:13y 10m
Amount delinquent: $0 Total credit lines: 28 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,269Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: successful-commitment072 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
fun in the sun
Purpose of loan:
This loan will be used to...
vacation in Hawaii
My financial situation:
I am a good candidate for this loan because...
We own our Home and our both employed with excellent credit

Monthly net income: $4300
Monthly expenses: $2100
Housing: $470
Insurance: $530
Car expenses: $200
Utilities: $125
Phone, cable, internet: $72
Food, entertainment: $230
Clothing, household expenses: $100
Credit cards and other loans: $180
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552214
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $151.99
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-2002 Debt/Income ratio: 6%
Credit score: 680-699 (Jan-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:12y 0m
Amount delinquent: $3,485 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $81Stated income:$50,000-$74,999
Delinquencies in last 7y: 17 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: reward-renaissance 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
JMSD
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552224
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): 8 First credit line: Jul-1997 Debt/Income ratio: 10%
Credit score: 640-659 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 35 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,574Stated income:$50,000-$74,999
Delinquencies in last 7y: 25 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: wise-payout-taiko 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
TJ
Purpose of loan: Pay off bills
This loan will be used to...To consildate bills

My financial situation: Good
I am a good candidate for this loan because...I am retired and also have a biweekly income.


Monthly net income: $5000
Monthly expenses: $3438
Housing: $1600
Insurance: $74
Car expenses: $300
Utilities: $214
Phone, cable, internet: $257
Food, entertainment: $350
Clothing, household expenses: $50
Credit cards and other loans: $443
Other expenses: $72
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552226
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: $7,700 Estimated loss*: 5.20%  
Term: 60 months  
 
Lender yield: 17.45% Borrower rate/APR: 18.45% / 20.36% Monthly payment: $282.03
 
Lender servicing fee: 1.00% Effective Yield*: 17.15%  
Estimated return*: 11.95%  
* 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-1996 Debt/Income ratio: 29%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $95,902Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: maker032 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 700-719 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
800-819 (May-2011)
 
Principal balance: $13,679.99 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
New Year New Begining
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $145.82
 
Lender servicing fee: 1.00% Effective Yield*: 23.12%  
Estimated return*: 14.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-2004 Debt/Income ratio: 13%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 14 / 12Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 18 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $4,680Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: orange-excellent-fairness Borrower's state: Kentucky 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 my debts so i can pay them off and then this will be the only current account apart from my mortgage.

My financial situation:
I am a good candidate for this loan because I am responsible and I have 100% payment records on all my credit card account for over 2 years.


Monthly net income: $2979.16
Monthly expenses: $2747.92
Housing: $1028.51
Insurance: $106.41
Car expenses: $298.00
Utilities: $275.00
Phone, cable, internet: $240
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552256
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-1995 Debt/Income ratio: 20%
Credit score: 680-699 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:14y 6m
Amount delinquent: $0 Total credit lines: 21 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 13 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: commanding-social 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
mjf 75
Purpose of loan: consolidate 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: 400
Housing: $529
Insurance: $90
Car expenses: $563
Utilities: $120
Phone, cable, internet: $87
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: 370
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552260
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: 29.99% Borrower rate/APR: 30.99% / 35.00% Monthly payment: $171.98
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%  
Estimated return*: 13.71%  
* 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): 3 First credit line: Jul-1998 Debt/Income ratio: 9%
Credit score: 640-659 (Jan-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 6 Current / open credit lines: 4 / 4Length of status:1y 3m
Amount delinquent: $11,995 Total credit lines: 25 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $329Stated income:$75,000-$99,999
Delinquencies in last 7y: 17 Bankcard utilization: 109%  
   Homeownership: No  
Screen name: purposeful-payment6 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
660-679 (Mar-2011)
 
Principal balance: $5,725.36 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Home Business start up.
Purpose of loan:
This loan will be used to...start a new business.

My financial situation:
I am a good candidate for this loan because...I have a steady, secure employment status. Starting a side business to supplement current income.


Monthly net income: $4800
Housing: $ 1070
Insurance: $ 340
Car expenses: $ 150
Utilities: $ 150
Phone, cable, internet: $ 180
Food, entertainment: $ 800
Clothing, household expenses: $ 250
Credit cards and other loans: $ 400
Other expenses: $ 1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552292
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): 6 First credit line: Mar-1994 Debt/Income ratio: 17%
Credit score: 660-679 (Jan-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 17 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,862Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: debtfree-at-40 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
Starting 40 Debt Free
Purpose of loan: This loan will be used to consolidate my debt

My financial situation: I am a good candidate for this loan because I pay my debts consistently and due to a bonus I will receive I expect to pay this loan prior to the end of the year. This year, I will have a significant birthday and I would like to begin my new year debt free.

Monthly net income: $6,833
Monthly expenses: $3,000
Housing: $1,100
Insurance: $150
Car expenses: $500
Utilities: $250
Phone, cable, internet: $250
Food, entertainment: $150
Clothing, household expenses: $ 200
Credit cards and other loans: $ 350
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552298
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1995 Debt/Income ratio: 12%
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 12 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,708Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: green-tom-tom071 Borrower's state: NewHampshire 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
Guaranteed repayment.
Purpose of loan:
Consolidate debt.

My financial situation:
Ability to repay - $140,000 annual salary plus bonus.


Monthly net income: $11000
Monthly expenses: $3000
Housing: $1000
Insurance: $150
Car expenses: $200
Utilities: $200
Phone, cable, internet: $50
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $750
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552306
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1997 Debt/Income ratio: 46%
Credit score: 760-779 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 33 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,482Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: dollar-trader5 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
Insurance Agency Purchase
Purpose of loan:
This loan will be used to purchase an existing Book of business from an Independent Insurance Agency. The annual commissions generated from this book are $35,000 with an 85% retention ratio year over year

My financial situation:
I am a good candidate for this loan because My credit is wonderful, my payment history is wonderful, the loan is used to buy income and it will pay off this loan by itself. plus we will see 100% growth


Monthly net income: $3,000
Monthly expenses: $1,200
Housing: $1,100
Insurance: $120
Car expenses: $400
Utilities: $190
Phone, cable, internet: $80
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $6,000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 549715
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*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $561.21
 
Lender servicing fee: 1.00% Effective Yield*: 19.04%  
Estimated return*: 10.14%  
* 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: Jul-1995 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 16Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,333 
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: clean-bazaar4 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
Small business startup
Purpose of loan:
This loan will be used to...Start up a small business

My financial situation:
I am a good candidate for this loan because...I have 12 years experience in running a business with 13 million in generated revenue.


Monthly net income: $2960
Monthly expenses: $
Housing: $775
Insurance: $65
Car expenses: $355
Utilities: $100
Phone, cable, internet: $160
Food, entertainment: $240
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $140
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 551645
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*: 11.90%  
Term: 60 months  
 
Lender yield: 28.97% Borrower rate/APR: 29.97% / 32.68% Monthly payment: $323.35
 
Lender servicing fee: 1.00% Effective Yield*: 28.24%  
Estimated return*: 16.34%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1987 Debt/Income ratio: 48%
Credit score: 760-779 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 18 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,765Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: UncleClay Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan: debt consolidation
This loan will be used to...help pay off some bills

My financial situation: a little shaky at this time, which is why I need this help
I am a good candidate for this loan because...I have never defaulted on ANYTHING in my finnancial life; my credit history is good, and I work hard to meet my financial oblications


Monthly net income: $1540
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 552065
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1997 Debt/Income ratio: 22%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 42 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,101Stated income:$100,000+
Delinquencies in last 7y: 5 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: payment-sundae3 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
Loan
Purpose of loan: Consolidate some Debt
This loan will be used to... Pay off some bills

My financial situation:
I am a good candidate for this loan because... I have steady employment, work hard at paying off my debt and I will eventually come back to use your services for future loans.

Monthly net income: $ 6153.33
Monthly expenses: $3039.00
Housing: $950.00
Insurance: $170.00
Car expenses: $813.00
Utilities: $85.00
Phone, cable, internet: $125.00
Food, entertainment: $75.00
Clothing, household expenses: $35.00
Credit cards and other loans: $225.00
Other expenses: $561.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552077
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $9,000 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 12.96% Borrower rate/APR: 13.96% / 15.78% Monthly payment: $209.23
 
Lender servicing fee: 1.00% Effective Yield*: 12.91%  
Estimated return*: 9.11%  
* 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: Apr-1983 Debt/Income ratio: 17%
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 56 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $55,540Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: bazaar-capo 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
home improvement loan
Purpose of loan:
This loan will be used to... replace our HVAC system. We are refinishing our basement into an apartment for my mother and need to make some other upgrades to our existing mechanicals.

My financial situation:
I am a good candidate for this loan because...
I have excellent credit and always pay my bills on time. I have a substantial credit history that proves this. I am spending quite a bit of money to accomodate moving my mother in with my family and just need some extra funding to finish the job.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552129
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*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $561.21
 
Lender servicing fee: 1.00% Effective Yield*: 19.04%  
Estimated return*: 10.14%  
* 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: Jan-2000 Debt/Income ratio: 13%
Credit score: 680-699 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 7 / 7Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 20 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $220Stated income:$50,000-$74,999
Delinquencies in last 7y: 30 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: newest-credit-library 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
My personal loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552139
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 1.50%  
Term: 36 months  
 
Lender yield: 5.49% Borrower rate/APR: 6.49% / 6.83% Monthly payment: $766.11
 
Lender servicing fee: 1.00% Effective Yield*: 5.49%  
Estimated return*: 3.99%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jul-2000 Debt/Income ratio: 8%
Credit score: 820-839 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 31 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,955Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 25%  
   Homeownership: Yes  
Screen name: silver-ninja3 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
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552179
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: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 8.90%  
Term: 60 months  
 
Lender yield: 23.68% Borrower rate/APR: 24.68% / 27.25% Monthly payment: $291.64
 
Lender servicing fee: 1.00% Effective Yield*: 23.12%  
Estimated return*: 14.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-2001 Debt/Income ratio: 8%
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:6y 6m
Amount delinquent: $34 Total credit lines: 16 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,571Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: first-class-justice8 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
Home Renovation
Purpose of loan:
This loan will be used to... We started renovating our home last year and have done all the work our self. We feel taking a loan for the finishing work (Kitchen cabinets, bath fixtures)would make the project faster

My financial situation:
I am a good candidate for this loan because...
I pay my bills on time and would be able to fund the rest of the work myself , it would just take longer.

Monthly net income: $8200
Monthly expenses: $3360
Housing: $1600
Insurance: $260
Car expenses: $
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $400
Clothing, household expenses: $300
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552181
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1999 Debt/Income ratio: 19%
Credit score: 660-679 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 14 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: bid-magnate5 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
EMT
Purpose of loan: consolidate some bills
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: $
Housing: $ 645.00
Insurance: $146.00
Car expenses: $245.00
Utilities: $40.00
Phone, cable, internet: $19.99
Food, entertainment: $200.00
Clothing, household expenses: $
Credit cards and other loans: $120.00
Other expenses: $400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552199
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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-2005 Debt/Income ratio: 17%
Credit score: 700-719 (Dec-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 22 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,598Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: ferocious-credit0 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
Credit card consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552207
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*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $74.83
 
Lender servicing fee: 1.00% Effective Yield*: 19.04%  
Estimated return*: 10.14%  
* 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: May-1987 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 12Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,243 
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: resolute-value4 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
unexpected
Purpose of loan:
This loan will be used to...take care of unexpected family problem

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


Monthly net income: $600
Monthly expenses: $60
Housing: $0
Insurance: $40
Car expenses: $60
Utilities: $100
Phone, cable, internet: $220
Food, entertainment: $60
Clothing, household expenses: $
Credit cards and other loans: $60
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552219
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: B Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $189.29
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1991 Debt/Income ratio: 14%
Credit score: 760-779 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 15 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,531Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: market-seahorse3 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
Consolidation Effort
Purpose of loan:
This loan will be used to consolidate debt.

My financial situation:
I am a good candidate for this loan because I pay my bills ontime and typically pay more than the required minimum.


Monthly net income: $2900.00
Monthly expenses: $200.00
Housing: $600.00
Insurance: $50.00
Car expenses: $375.00
Utilities: $130.00
Phone, cable, internet: $150.00
Food, entertainment: $200.00
Clothing, household expenses: $25.00
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552233
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 12.96% Borrower rate/APR: 13.96% / 15.78% Monthly payment: $348.71
 
Lender servicing fee: 1.00% Effective Yield*: 12.91%  
Estimated return*: 9.11%  
* 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-2001 Debt/Income ratio: 15%
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 12 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,671Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: integrity-enthusiast3 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
Sr. Credit Analyst
Purpose of loan:
This loan will be used to make home improvements.

My financial situation:
I am a good candidate for this loan because.I have the capacity to repay the loan, I am in a stable position with my employer with stability.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552253
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2010 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jan-2012) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 3Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: magnificent-commitment2 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
Need to get a used vehicle
Purpose of loan:
This loan will be used to...
buy a used vehicle so I am able to move and start my new job
My financial situation:
I am a good candidate for this loan because...
I hit hardship and had to move back in with my parents but recently I got a call for a job 3 hours away. I just need a used vehicle to get me there where I'll be sharing an apartment with a friend. Splitting the rent and other bills will leave me more money to pay back my loan. I am responsible and I have no debts. I will be working full-time making about $1700/mo.

Monthly net income: $1700
Monthly expenses: $50
Housing: $200
Insurance: $0
Car expenses: $50/mo for gas
Utilities: $50
Phone, cable, internet: $15
Food, entertainment: $50/mo
Clothing, household expenses: $40
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552267
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 16.50%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1992 Debt/Income ratio: 19%
Credit score: 660-679 (Dec-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:21y 3m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $47Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: mogul737 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
My personal loan
Purpose of loan:medicalbill consolidation
This loan will be used to. pay off medical expenses..

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


Monthly net income:1,764.00
Monthly expenses:
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $40.00
Food, entertainment: $100.00
Clothing, household expenses: $
Credit cards and other loans: $100.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552269
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: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 8.06%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1976 Debt/Income ratio: 55%
Credit score: 780-799 (Jan-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 14 / 9Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $52,640Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: kind-independent-bill Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 780-799 (Latest)
Principal borrowed: $12,564.77< 31 days late: 0 ( 0% )  
720-739 (Feb-2011)
 
Principal balance: $9,902.86 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt free 3 years
Purpose of loan: To be debt free.

My financial situation:
I am a good candidate for this loan because... I have a perfect record with Prosper.With this loan I will be debt free in three years or less.
I will only have my mortgage left. Thank you , Prosper Lenders.

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 552271
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 17.36% Monthly payment: $172.08
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* 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-2007 Debt/Income ratio: 39%
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 13 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,773Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: responsive-deal6 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Graduate, Strong Credit History
Purpose of loan:
Looking to further develop credit profile. Purpose of loan is to supplement relocation expenses for post-graduation.

My financial situation:
Strong credit history (744), supported by parents. looking to further develop credit profile and fund relocation expenses for post-graduation. Presently work 2 part-time positions. Graduate in June 2012 with a degree in Logistics Management and Business Administration. Full-time offer obtained from present employer.


Monthly net income: $ 1500.00
Monthly expenses: $
Housing: $ 0.00
Insurance: $ 0.00
Car expenses: $ 200.00/month gasoline
Utilities: $ 0.00
Phone, cable, internet: $ 110.53/month
Food, entertainment: $ 100.00/month
Clothing, household expenses: $ 75.00/month
Credit cards and other loans: $500.00 CC + $ 288.20/month auto loan
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552289
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: 5.49% Borrower rate/APR: 6.49% / 6.83% Monthly payment: $153.22
 
Lender servicing fee: 1.00% Effective Yield*: 5.49%  
Estimated return*: 3.99%  
* 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-1992 Debt/Income ratio: 2%
Credit score: 820-839 (Jan-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $902Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: bold-gain-gatherer 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
change house
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552301
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: $7,250.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,075 Estimated loss*: 8.90%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $271.25
 
Lender servicing fee: 1.00% Effective Yield*: 19.04%  
Estimated return*: 10.14%  
* 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: Apr-1994 Debt/Income ratio: 18%
Credit score: 720-739 (Jan-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:10y 0m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,367Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: direct-market2 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
Debt Consolidation
Purpose of loan: To consolidate credit cards, medical bills and other credit type bills.
This loan will be used to... To pay off all my creditors and have one easily managed fixed monthly payment versus having several payments to manage.

My financial situation: Has been steady for 23 years (since I was 18) and I make $4,500 a month plus $5,000 bonus every quarter.
I am a good candidate for this loan because...Have had steady employment all my life...after serving 8 years in the USAF I have worked in the same industry the last 15 years for two employers...first for 5 years and my current employer for the last 10.


Monthly net income: $4,500
Monthly expenses: $
Housing: $604
Insurance: $60
Car expenses: $325
Utilities: $55
Phone, cable, internet: $60
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 552315
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: C Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 8.50%  
Term: 60 months  
 
Lender yield: 23.43% Borrower rate/APR: 24.43% / 26.99% Monthly payment: $377.24
 
Lender servicing fee: 1.00% Effective Yield*: 22.87%  
Estimated return*: 14.37%  
* 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: May-1999 Debt/Income ratio: 41%
Credit score: 740-759 (Jan-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 15Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 54 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,854Stated income:$100,000+
Delinquencies in last 7y: 3 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: crazyjj2000 Borrower's state: Washington Borrower's group: Vets helping Vets
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: 32 ( 89% ) 740-759 (Latest)
Principal borrowed: $3,000.00< 31 days late: 4 ( 11% )  
640-659 (May-2008)
600-619 (Mar-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Consolidating Loan
Purpose of loan:
This loan will be used to consolidating credit cards into one payment

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

I had a prosper loan in the past that I paid off. I have had a steady job in a sector that will continue to grow for many years

Monthly net income: $ 9200
Monthly expenses: $ 1000
Housing: $ 2700
Insurance: $ 110
Car expenses: $ 616
Utilities: $ 200
Phone, cable, internet: $ 55
Food, entertainment: $ 50
Clothing, household expenses: $ 350
Credit cards and other loans: $ 800
Other expenses: $
Information in the Description is not verified.