Listing Report:Supplement No. 12 dated Jul 26, 2012 to Prospectus dated Jul 19, 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 Jul 19, 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 Jul 19, 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 599796
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*: 17.25%  
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*: 11.71%  
* 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): 4 First credit line: Aug-1997 Debt/Income ratio: 31%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,093Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: dollar-bauble4 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
Purpose of loan:
This loan will be used to new air conditioner

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


Monthly net income: $5000
Monthly expenses: $2200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 611256
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: $3,000 Estimated loss*: 16.25%  
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*: 12.71%  
* 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): 6 First credit line: Jun-2002 Debt/Income ratio: 20%
Credit score: 640-659 (Jul-2012) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,853Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: likeable-ore0 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
Consolidate Debt
Purpose of loan: Payoff credit cards with high interest rates in a shorter time frame.

My financial situation: I am in a stable and secure job, with good income.

I am a good candidate for this loan because I try to make good choices/decisions when it comes to money, and because I want to payoff my debt ASAP.

Monthly net income: $3200.00
Monthly expenses: $1500.00
Insurance: $75
Car expenses: $0
Utilities: $150.00
Phone, cable, internet: $150.00
Food, entertainment: $150.00
Clothing, household expenses: $75.00
Credit cards and other loans: $100.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 615828
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* 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): 6 First credit line: Jun-2002 Debt/Income ratio: Not calculated
Credit score: 640-659 (Jul-2012) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 21Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,228 
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: felicity-fluffy-bunny7 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
Unemployment Loan
Purpose of loan:
This loan will be used to...
Pay Car note until employed
My financial situation:
I am a good candidate for this loan because...
I have a teaching degree and aggressively seeking employment. Worked with same district 6 years

Monthly net income: $
Monthly expenses: $
Housing: $625
Insurance: $65
Car expenses: $320
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 615960
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.75%  
Term: 60 months  
 
Lender yield: 27.67% Borrower rate/APR: 28.67% / 31.34% Monthly payment: $157.71
 
Lender servicing fee: 1.00% Effective Yield*: 26.98%  
Estimated return*: 15.23%  
* 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-1999 Debt/Income ratio: 21%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 39 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,598Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: investment-samaritan7 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
Start-up Capital for Business
Purpose of loan:
This loan will be used to...purchase a business

My financial situation:
I am a good candidate for this loan because...the business will be easily able to pay back the loan within the time allowed


Monthly net income: $2,200
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 616282
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: E Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 12.75%  
Term: 60 months  
 
Lender yield: 29.57% Borrower rate/APR: 30.57% / 33.30% Monthly payment: $327.04
 
Lender servicing fee: 1.00% Effective Yield*: 28.22%  
Estimated return*: 15.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jan-2008 Debt/Income ratio: 53%
Credit score: 640-659 (Jul-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,003Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: sublime-diversification681 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
700-719 (Sep-2011)
 
Principal balance: $6,147.63 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Payoff wedding/hnymoon&prev Prosper
Purpose of loan: Payoff wedding/honeymoon and prev Prosper acct
This loan will be used to...consolidate bills

My financial situation:
I am a good candidate for this loan because...I have a perfect record with Prosper as well as all other bills.


Monthly net income: $1600
Monthly expenses: $1070
Housing: $0
Insurance: $70
Car expenses: $0
Utilities: $300
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $300
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616362
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $465.76
 
Lender servicing fee: 1.00% Effective Yield*: 18.74%  
Estimated return*: 10.75%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1998 Debt/Income ratio: 14%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 7Length of status:1y 6m
Amount delinquent: $469 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27,780Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: vigorous-liberty623 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 Payoff
Purpose of loan: Pay off last two credit cards

My financial situation:
I am a good candidate for this loan because I have developed and achieved a good savings and debt reduction plan. Last year I became a partner at my firm and have started a plan to reduce credit card debt acquired over the previous 3 years. I have a good level of savings and my level of expenses has now stabilized.

I have a $120,000 salary plus a periodic bonus for performance. I have finalized my payments for college and graduate school debt and I am now working on the last 2 credit cards that I used to launch my business.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616536
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,850 Estimated loss*: 5.49%  
Term: 60 months  
 
Lender yield: 19.39% Borrower rate/APR: 20.39% / 22.85% Monthly payment: $414.03
 
Lender servicing fee: 1.00% Effective Yield*: 19.05%  
Estimated return*: 13.56%  
* 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-1977 Debt/Income ratio: 18%
Credit score: 760-779 (Jul-2012) Inquiries last 6m: 5Employment status:Other
Now delinquent: 1 Current / open credit lines: 12 / 10Length of status:23y 11m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,924Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 19%  
   Homeownership: Yes  
Screen name: commerce-finder1 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
Pay off debt to enjoy retirement
Purpose of loan:
This loan will be used to...pay off a number of small debts and make us more financially secure.

My financial situation:
I am a good candidate for this loan because...I have a great credit rating and I always pay my bills on time.


Monthly net income: $3200.00
Monthly expenses: $2000
Housing: $650
Insurance: $100
Car expenses: $50
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $500
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616546
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* 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): 5 First credit line: Aug-1988 Debt/Income ratio: 22%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 31 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,668Stated income:$25,000-$49,999
Delinquencies in last 7y: 17 Bankcard utilization: 48%  
   Homeownership: No  
Screen name: sculpture266 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
consolidate bills
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2400
Monthly expenses: $
Housing: $900
Insurance: $80
Car expenses: $320
Utilities: $60
Phone, cable, internet: $89
Food, entertainment: $50
Clothing, household expenses: $
Credit cards and other loans: $100
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616638
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*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $188.35
 
Lender servicing fee: 1.00% Effective Yield*: 19.52%  
Estimated return*: 11.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1961 Debt/Income ratio: 30%
Credit score: 720-739 (Jul-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:20y 0m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $191,431Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: tolerant-fund853 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
home improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616644
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: $13,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $9,450 Estimated loss*: 5.99%  
Term: 60 months  
 
Lender yield: 20.24% Borrower rate/APR: 21.24% / 23.72% Monthly payment: $367.05
 
Lender servicing fee: 1.00% Effective Yield*: 19.88%  
Estimated return*: 13.89%  
* 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-1998 Debt/Income ratio: 64%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,069Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: entertaining-commitment8 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
Home Improvement and small bills of
Purpose of loan:
This loan will be used to...taking care of smaller credit cards and to buy new windows and doors for the house. Plus some other Home Emprovement for being Green.

My financial situation:
I am a good candidate for this loan because...I can handle the amount with no problems. I usually pay extra towards any payments.


Monthly net income: $1137.00
Monthly expenses: $454.00
Housing: $00.00 paid in full
Insurance: $ partner pays this
Car expenses: $00.00 all paid for
Utilities: $85.00 to 100.00
Phone, cable, internet: $partner pays for
Food, entertainment: $100.00 month (don't eat meat)
Clothing, household expenses: $partner pays
Credit cards and other loans: $12000.00 bout what is owed
Other expenses: $49.50 Health/Link gym
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616692
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.49% Borrower rate/APR: 24.49% / 28.34% Monthly payment: $552.87
 
Lender servicing fee: 1.00% Effective Yield*: 22.91%  
Estimated return*: 11.66%  
* 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-2000 Debt/Income ratio: 17%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:23y 1m
Amount delinquent: $0 Total credit lines: 9 Occupation: Construction
Public records last 12m / 10y: 0/ 7 Revolving credit balance: $16,448Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: wampum-trailblazer4 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
Equipment
Purpose of loan:
This loan will be used to...purchase equipment in a clinic I invested in.

My financial situation:
I am a good candidate for this loan becauseI have outside sources of income.


Monthly net income: $15,000
Monthly expenses: $4,500
Housing: $0
Insurance: $275
Car expenses: $250
Utilities: $325
Phone, cable, internet: $50
Food, entertainment: $600
Clothing, household expenses: $500
Credit cards and other loans: $1600
Other expenses: $1275
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616698
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $252.15
 
Lender servicing fee: 1.00% Effective Yield*: 16.36%  
Estimated return*: 9.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2001 Debt/Income ratio: 22%
Credit score: 660-679 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 54 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,604Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: No  
Screen name: asset-renewal4 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
660-679 (Sep-2011)
 
Principal balance: $2,534.05 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Engagement Ring and Wedding
Purpose of loan: I am using this money to purchase an engagment ring and as well as start planning for a wedding.

My financial situation:
I am a good candidate for this loan because I have hand a prosper account before and it is a 3 year term and paid off in 1 year. I am looking to pay this current loan off in that same amount of time. I am also a great candidate because I have never missed a payment on any loan or credit card I have ever had. Please help me in financing this amazing ring and help to start the wedding process.


Monthly net income: $5000
Monthly expenses: $500
Housing: $500
Insurance: $100
Car expenses: $500
Utilities: $100
Phone, cable, internet: $30
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616704
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 5.99%  
Term: 12 months  
 
Lender yield: 11.79% Borrower rate/APR: 12.79% / 18.53% Monthly payment: $178.44
 
Lender servicing fee: 1.00% Effective Yield*: 11.60%  
Estimated return*: 5.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1987 Debt/Income ratio: 13%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:24y 9m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,876Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: enterprising-duty477 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
reduce credit card debt
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3200.00
Monthly expenses: $
Housing: $400.00
Insurance: $100.00
Car expenses: $100.00
Utilities: $100.00
Phone, cable, internet: $120.00
Food, entertainment: $200.00
Clothing, household expenses: $150.00
Credit cards and other loans: $300.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616894
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*: 16.25%  
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*: 12.71%  
* 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): 5 First credit line: Jan-2001 Debt/Income ratio: 60%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:14y 3m
Amount delinquent: $0 Total credit lines: 34 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,254Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: velocity-motion6 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
BACK TO SCHOOL CAR EXPENSES(TIRES)
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616988
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*: 16.25%  
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*: 12.71%  
* 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): 5 First credit line: Jul-1971 Debt/Income ratio: 8%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 15 Current / open credit lines: 2 / 2Length of status:7y 8m
Amount delinquent: $3,037 Total credit lines: 30 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 39 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: sen8rfred 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
Private School Tuition For Daughter
Purpose of loan:
This loan will be used to...For tuition, books and registration fee to send daughterto Kindergarten at St. Francis Xavier School in GA.
I am current in all known accounts and am paying 314.31 every two weeks on CH 13 Bankruptcy (which will be finished next year) directly throught employer. I can set allotment to pay payment on this every 2 weeks direct from employer, US Federal Gov't.


My financial situation:
I am a good candidate for this loan because...I can set allotment to pay payment on this every 2 weeks direct from employer


Monthly net income: $
Monthly expenses: $
Housing: $812
Insurance: $100
Car expenses: $
Utilities: $100
Phone, cable, internet: $250
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617030
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*: 16.75%  
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*: 12.21%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Apr-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jul-2012) Inquiries last 6m: 4Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:5y 11m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,531Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: well-rounded 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% ) 640-659 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
720-739 (Sep-2011)
 
Principal balance: $3,323.44 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
moving forward
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617036
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*: 16.75%  
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*: 12.21%  
* 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: Aug-1975 Debt/Income ratio: 44%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $305Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: point-orbit678 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement and appliances
Purpose of loan:
This loan will be used for home improvements and the purchase of new appliances.

My financial situation:
I am a good candidate for this loan because I am retired from job of 32 years. I have lived in home for more than 7 years. I live in a family home, therefore, I do not have a mortgage payment. I am wanting to do some updating to the home that was built in 1949.


Monthly net income: $1923
Monthly expenses: $951
Housing: $0
Insurance: $108
Car expenses: $323
Utilities: $140
Phone, cable, internet: $55
Food, entertainment: $150
Clothing, household expenses: $75
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617072
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $8,500 Estimated loss*: 0.99%  
Term: 36 months  
 
Lender yield: 6.49% Borrower rate/APR: 7.49% / 8.83% Monthly payment: $264.36
 
Lender servicing fee: 1.00% Effective Yield*: 6.49%  
Estimated return*: 5.50%  
* 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: Mar-1992 Debt/Income ratio: 13%
Credit score: 820-839 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 22 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $195Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: poetic-agreement2 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
Purchase of Used Motorcycle
Purpose of loan:
This loan will be used to...
Purchase a used Harley Davidson Heritage Softail.

My financial situation:
I am a good candidate for this loan because...
I have a long history of on-time loan repayment and a very secure position with my employer.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617080
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: B Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $888.71
 
Lender servicing fee: 1.00% Effective Yield*: 15.52%  
Estimated return*: 9.53%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Nov-1992 Debt/Income ratio: 12%
Credit score: 720-739 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $658Stated income:$75,000-$99,999
Delinquencies in last 7y: 23 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: gravity95 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
Continuation of Business Growth
Purpose of loan:
Purchase some new equipment, fund a small office warehouse space, build a better website.

My financial situation:
I have multiple contracts in process well over 80k , my business model is based on the remodel of distressed properties and flip investors. Through my own hard work and ingenuity I have managed to complete over 200k in revenue since January. I work a full time job as well as manage my business, putting in over 80 hours a week. I need 50 K and can pay it back in 10 months at 12% plus 2 points, but 25k will put me into the next phase of my plan. I am man of my word and I will not fail.



Monthly net income: $6744
Monthly expenses: $3250
Housing: $2000
Insurance: $486
Car expenses: $0
Utilities: $475
Phone, cable, internet: $200
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617096
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*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $489.71
 
Lender servicing fee: 1.00% Effective Yield*: 19.52%  
Estimated return*: 11.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1998 Debt/Income ratio: 33%
Credit score: 740-759 (Jul-2012) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 18 / 14Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,201Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: samfeline Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...consolidate and eliminate a number of credit cards

My financial situation:
I am a good candidate for this loan because..I have a fixed income more than adequate to meet all current obligations. My credit record is very good and there is no uncertainty about income sources.


Monthly net income: $3600
Monthly expenses:
Housing: $260
Insurance:260
Car expenses: $100
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $150
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617110
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*: 5.99%  
Term: 60 months  
 
Lender yield: 20.24% Borrower rate/APR: 21.24% / 23.72% Monthly payment: $149.54
 
Lender servicing fee: 1.00% Effective Yield*: 19.88%  
Estimated return*: 13.89%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1982 Debt/Income ratio: 12%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:31y 3m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,421Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: openness-cheetah5 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
wedding/debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617120
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: D Listing Duration: 14 days
Minimum Amount to Fund: $13,000 Estimated loss*: 9.75%  
Term: 36 months  
 
Lender yield: 21.59% Borrower rate/APR: 22.59% / 26.40% Monthly payment: $500.45
 
Lender servicing fee: 1.00% Effective Yield*: 21.07%  
Estimated return*: 11.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1999 Debt/Income ratio: 55%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 26 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,628Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: clean-basis319 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation Loan
This loan would be used for debt consolidation only. As a household, we started some projects for our our and also purchased some equipment for a side job that went over budget.

We would be great candidates for this loan because we are diligent, punctual, and honorable people that believe in maintaining our commitments.

Our annual gross income is $65,300 as a household. Our expenses include some of the following:

Car payment: $414
Utilities (gas, water, electric, sewer): $180
Mobile phones: $190 (large portion of this paid by my employer)
TV/Internet: $110
Insurance: $125
Mortgage: $698 (owned our home for almost 7 years)
Line of Credit: $496 (pay $171 extra on principle every month)

We are just looking for an option to amortize our debt consolidation and retire it as quickly as possible.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617132
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 10.75%  
Term: 36 months  
 
Lender yield: 22.89% Borrower rate/APR: 23.89% / 27.73% Monthly payment: $78.35
 
Lender servicing fee: 1.00% Effective Yield*: 22.33%  
Estimated return*: 11.58%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Oct-1993 Debt/Income ratio: 41%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 9Length of status:10y 9m
Amount delinquent: $0 Total credit lines: 42 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,615Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: red-attractive-return6 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
720-739 (Jan-2012)
 
Principal balance: $3,563.45 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
bill/credit card debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617134
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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 21.18% Borrower rate/APR: 22.18% / 24.68% Monthly payment: $83.16
 
Lender servicing fee: 1.00% Effective Yield*: 20.68%  
Estimated return*: 14.19%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1997 Debt/Income ratio: 13%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 32 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $640Stated income:$50,000-$74,999
Delinquencies in last 7y: 14 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: treasure-cleansing5 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
Home Improvement Loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617140
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 3.99%  
Term: 60 months  
 
Lender yield: 16.28% Borrower rate/APR: 17.28% / 19.66% Monthly payment: $625.08
 
Lender servicing fee: 1.00% Effective Yield*: 16.21%  
Estimated return*: 12.22%  
* 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): 9 First credit line: Feb-1998 Debt/Income ratio: 16%
Credit score: 720-739 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 33 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,496Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: bonafide-wampum7 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 2012
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617156
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: $4,200.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,940 Estimated loss*: 5.49%  
Term: 12 months  
 
Lender yield: 11.15% Borrower rate/APR: 12.15% / 17.88% Monthly payment: $373.46
 
Lender servicing fee: 1.00% Effective Yield*: 10.97%  
Estimated return*: 5.48%  
* 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-1986 Debt/Income ratio: 10%
Credit score: 720-739 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 40 Occupation: Psychologist
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $580Stated income:$100,000+
Delinquencies in last 7y: 34 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: p2p-sprout5 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
660-679 (Jul-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Home Improvement
Purpose of loan:
This loan will be used to remodel my bathroom and install new kitchen cabinets.

My financial situation:
I am a good candidate for this loan because I have limited expenses each month and pay all my bills on time. I have recently completed a loan with Prosper with 100% on-time payment record


Monthly net income: $6800
Monthly expenses: $3600
Housing: $2200
Insurance: $90
Car expenses: $100
Utilities: $60
Phone, cable, internet: $120
Food, entertainment: $350
Clothing, household expenses: $200
Credit cards and other loans: $100
Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617174
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.49% Borrower rate/APR: 24.49% / 28.34% Monthly payment: $157.96
 
Lender servicing fee: 1.00% Effective Yield*: 22.91%  
Estimated return*: 11.66%  
* 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-1984 Debt/Income ratio: 20%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 1 Current / open credit lines: 8 / 9Length of status:40y 4m
Amount delinquent: $458 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $47,656Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: new-felicity-souffle Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
funeral expenses
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617224
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: C Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $207.18
 
Lender servicing fee: 1.00% Effective Yield*: 19.52%  
Estimated return*: 11.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-1989 Debt/Income ratio: 23%
Credit score: 720-739 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 19Length of status:13y 11m
Amount delinquent: $0 Total credit lines: 29 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $69,104Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: Yes  
Screen name: preeminant-deal4 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
Home Improvement Loan
Purpose of loan:
This loan will be used to remodel the garage and one of the 4 bathrooms of my house.

My financial situation:
I am a good candidate for this loan because I have an excellent repayment history in all my loans and I do have good and reliable income.


Monthly income: $11,600
Housing: $1,700
Insurance: $ 250
Car expenses: $ 431
Utilities: $ 130
Phone, cable, internet: $150
Food, entertainment: $ 1200
Clothing, household expenses: $
Credit cards and other loans: $2,200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617290
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: B Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 5.49%  
Term: 60 months  
 
Lender yield: 19.39% Borrower rate/APR: 20.39% / 22.85% Monthly payment: $240.40
 
Lender servicing fee: 1.00% Effective Yield*: 19.05%  
Estimated return*: 13.56%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1986 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jul-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $119,721Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: astute-agreement7 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
prosper dinero
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 614947
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*: 4.99%  
Term: 36 months  
 
Lender yield: 14.09% Borrower rate/APR: 15.09% / 18.73% Monthly payment: $520.64
 
Lender servicing fee: 1.00% Effective Yield*: 13.85%  
Estimated return*: 8.86%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-1986 Debt/Income ratio: 59%
Credit score: 720-739 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 41 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,663Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: money-encourager Borrower's state: SouthDakota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 28 ( 100% ) 720-739 (Latest)
Principal borrowed: $1,000.00< 31 days late: 0 ( 0% )  
680-699 (Feb-2010)
 
Principal balance: $275.10 31+ days late: 0 ( 0% )
Total payments billed: 28  
Description
consulidate loans
Purpose of loan:
This loan will be used to...pay off credit cards, personal loans

My financial situation:
I am a good candidate for this loan because..i am in a good job and i like it,i would like to be out of debt before i retire and my wife. Yes some of it is hers.


Monthly net income: $2700


Monthly expenses: $2200
Housing: $1100
Insurance: $60
Car expenses: $
Utilities: $120
Phone, cable, internet: $80
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $560
Other expenses: $50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 615559
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*: 16.25%  
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*: 12.71%  
* 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): 5 First credit line: Jun-1987 Debt/Income ratio: 28%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 28 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $61,098Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: bold-value-carrier 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 Start up
Purpose of loan:
This loan will be used to...

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


Monthly net income: $6226.00
Monthly expenses: $
Housing: $569
Insurance: $187
Car expenses: $1000
Utilities: $800
Phone, cable, internet: $200
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $700
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 615749
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 17.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 11.71%  
* 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): 5 First credit line: Nov-1994 Debt/Income ratio: 19%
Credit score: 660-679 (Jul-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,502Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: top-creative-community Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off one bill & vacation
Purpose of loan:

My financial situation:

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 615945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.49% Borrower rate/APR: 24.49% / 28.34% Monthly payment: $197.45
 
Lender servicing fee: 1.00% Effective Yield*: 22.91%  
Estimated return*: 11.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1990 Debt/Income ratio: 22%
Credit score: 660-679 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,724Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: smart-kindness397 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
debt consolidation
Purpose of loan:
This loan will be used to...consolidate and clean up some small bills to eliminate them completely.

My financial situation:
I am a good candidate for this loan because...I have been employed continuously since 1971 and I have always worked hard to provide for my family.


Monthly net income: $2375.00 monthly expenses: $ 2100.00
Housing: $ 634.10
Insurance: $ 156.00
Utilities: $ 150.00
Phone, cable, internet: $ 160.00
Food, entertainment: $ 500.00
Clothing, household expenses: $ 100.00
Credit cards and other loans: $ 250.00
Other expenses: $ 150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 615975
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*: 14.75%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $136.98
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.82%  
* 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-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Jul-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Landscaping
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,711Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: green-loyalty-trident 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
Start-up Capital for Business
Purpose of loan: to purchase a business
This loan will be used to...purchase a business

My financial situation:
I am a good candidate for this loan because...I have previous experience running and owning my own business. I know what it takes to be successful, work hard, and dedicate my life to my business.


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 616341
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*: 14.75%  
Term: 36 months  
 
Lender yield: 28.69% Borrower rate/APR: 29.69% / 33.67% Monthly payment: $169.13
 
Lender servicing fee: 1.00% Effective Yield*: 27.38%  
Estimated return*: 12.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1986 Debt/Income ratio: 24%
Credit score: 760-779 (Jul-2012) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 6Length of status:26y 9m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,423Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: ore-historian2 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
discover
Purpose of loan:
This loan will be used to... consolidate credit cards

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

Monthly net income: $2194Monthly expenses: $
Housing: $532.00
Insurance: $200.00
Car expenses: $0
Utilities: $175.00
Phone, cable, internet: $60.00
Food, entertainment: $150.00
Clothing, household expenses: $75.00
Credit cards and other loans: $451.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616425
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: $3,500 Estimated loss*: 16.75%  
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*: 12.21%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Apr-1999 Debt/Income ratio: 138%
Credit score: 760-779 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:12y 5m
Amount delinquent: $0 Total credit lines: 14 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,440Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: agile-reward9 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
Personal Loan
Purpose of loan:
This loan will be used to

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


Monthly net income: $
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 616489
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*: 16.25%  
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*: 12.71%  
* 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): 6 First credit line: May-2006 Debt/Income ratio: 14%
Credit score: 640-659 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:8y 10m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,194Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: lean-money6 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
Consldate Bills
Purpose of loan: 4,000
This loan will be used to...move and bills

My financial situation:Good
I am a good candidate for this loan because...
I have a good credit and I all was pay my bills

Monthly net income: $2500
Monthly expenses: $300
Housing: $530
Insurance: $60
Car expenses: $50
Utilities: $120
Phone, cable, internet: $120
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616511
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*: 13.75%  
Term: 36 months  
 
Lender yield: 27.39% Borrower rate/APR: 28.39% / 32.33% Monthly payment: $103.94
 
Lender servicing fee: 1.00% Effective Yield*: 26.14%  
Estimated return*: 12.39%  
* 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-1998 Debt/Income ratio: 18%
Credit score: 640-659 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 5Length of status:16y 6m
Amount delinquent: $129 Total credit lines: 23 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,878Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: ingenious-bid4 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616569
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: E Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 12.75%  
Term: 60 months  
 
Lender yield: 29.57% Borrower rate/APR: 30.57% / 33.30% Monthly payment: $327.04
 
Lender servicing fee: 1.00% Effective Yield*: 28.22%  
Estimated return*: 15.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Oct-2000 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 6 Current / open credit lines: 13 / 11Length of status:18y 2m
Amount delinquent: $32,576 Total credit lines: 61 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,194Stated income:$1-$24,999
Delinquencies in last 7y: 20 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: graysweeper Borrower's state: Wisconsin Borrower's group: Home of 2nd Chances
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 36 ( 82% ) 660-679 (Latest)
Principal borrowed: $7,500.00< 31 days late: 8 ( 18% )  
640-659 (Jun-2011)
640-659 (Aug-2008)
 
Principal balance: $3,814.50 31+ days late: 0 ( 0% )
Total payments billed: 44  
Description
Home Improvements & Moving Costs
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616579
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 7.99%  
Term: 60 months  
 
Lender yield: 23.33% Borrower rate/APR: 24.33% / 26.89% Monthly payment: $115.84
 
Lender servicing fee: 1.00% Effective Yield*: 22.78%  
Estimated return*: 14.79%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1995 Debt/Income ratio: 10%
Credit score: 640-659 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 2 / 2Length of status:1y 8m
Amount delinquent: $18,205 Total credit lines: 18 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: currency-chairman0 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
dental work
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616627
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: D Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 10.75%  
Term: 60 months  
 
Lender yield: 26.47% Borrower rate/APR: 27.47% / 30.11% Monthly payment: $462.25
 
Lender servicing fee: 1.00% Effective Yield*: 25.81%  
Estimated return*: 15.06%  
* 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: Jul-1986 Debt/Income ratio: Not calculated
Credit score: 820-839 (Jul-2012) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 23Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,598 
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: Yes  
Screen name: proud-loan4 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
Starting New Business
Purpose of loan:
This loan will be used to...Starting a new business. Organization of credit in one loan.

My financial situation:
I am a good candidate for this loan because...Pay my credit cards
on time and every time.


Monthly net income: $6000
Monthly expenses: $200.00
Housing: $3175.00
Insurance: $200.00
Car expenses: $100.00
Utilities: $200.00
Phone, cable, internet: $320.00
Food, entertainment: $275.00
Clothing, household expenses: $100.00
Credit cards and other loans: $650(health insurance)
Other expenses: $
Car:582
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616629
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*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $533.22
 
Lender servicing fee: 1.00% Effective Yield*: 15.52%  
Estimated return*: 9.53%  
* 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: Mar-1990 Debt/Income ratio: 20%
Credit score: 760-779 (Jul-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:12y 0m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,011Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: fascinating-coin085 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
Starting New Business
Purpose of loan:
This loan will be used to...

start up a new internet business
Total monthly income 3333.00
total monthly expense 1500.00
I have a good credit score, stable income, and own my own home
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616671
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: E Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 12.75%  
Term: 36 months  
 
Lender yield: 26.10% Borrower rate/APR: 27.10% / 31.01% Monthly payment: $408.79
 
Lender servicing fee: 1.00% Effective Yield*: 24.91%  
Estimated return*: 12.16%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Mar-1998 Debt/Income ratio: 49%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,849Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: akb Borrower's state: Massachusetts Borrower's group: AA-C Rated Borrowers
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 30 ( 100% ) 680-699 (Latest)
Principal borrowed: $21,001.00< 31 days late: 0 ( 0% )  
680-699 (Jul-2008)
640-659 (Jun-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Debt Consolidation & New Business
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616683
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: E Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 13.75%  
Term: 60 months  
 
Lender yield: 30.85% Borrower rate/APR: 31.85% / 34.61% Monthly payment: $334.99
 
Lender servicing fee: 1.00% Effective Yield*: 29.43%  
Estimated return*: 15.68%  
* 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: 37%
Credit score: 660-679 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 15 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,714Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: rupee-tonic0 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
New Auto
Purpose of loan: New Auto
This loan will be used to... To Buy a New Auto

My financial situation:
I am a good candidate for this loan because... protecting my credit is my number one priority.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616695
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: B Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 5.49%  
Term: 60 months  
 
Lender yield: 19.39% Borrower rate/APR: 20.39% / 22.85% Monthly payment: $667.78
 
Lender servicing fee: 1.00% Effective Yield*: 19.05%  
Estimated return*: 13.56%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-1991 Debt/Income ratio: 17%
Credit score: 760-779 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 41 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,478Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: order-secret-agent66 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Down Credit Card Debt
Purpose of loan:
This loan will be used to pay down credit card debt.

My financial situation:
I am a good candidate for this loan because I have a well paying full-time job, plus rental income from 4 homes. My credit is solid and I have NEVER been late and I have no defaults.


Monthly net income: $11400
Monthly expenses: $4458
Housing: $1600
Insurance: $250
Car expenses: $428
Utilities: $300
Phone, cable, internet: $80
Food, entertainment: $600
Clothing, household expenses: $100
Credit cards and other loans: $900
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616713
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: E Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 13.75%  
Term: 60 months  
 
Lender yield: 30.85% Borrower rate/APR: 31.85% / 34.61% Monthly payment: $334.99
 
Lender servicing fee: 1.00% Effective Yield*: 29.43%  
Estimated return*: 15.68%  
* 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-1993 Debt/Income ratio: 45%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 8Length of status:3y 11m
Amount delinquent: $591 Total credit lines: 27 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,592Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: professional-capital882 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
Home Improvement/Debt Consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616725
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*: 16.75%  
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*: 12.21%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Sep-1994 Debt/Income ratio: 29%
Credit score: 740-759 (Jul-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 31 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 6 Revolving credit balance: $9,206Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: thrilling-commitment7 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616749
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 12.64% Borrower rate/APR: 13.64% / 15.94% Monthly payment: $577.05
 
Lender servicing fee: 1.00% Effective Yield*: 12.59%  
Estimated return*: 10.10%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jun-1986 Debt/Income ratio: 18%
Credit score: 800-819 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:28y 11m
Amount delinquent: $0 Total credit lines: 31 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,186Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: systematic-deal321 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 4 ( 100% ) 800-819 (Latest)
Principal borrowed: $13,101.21< 31 days late: 0 ( 0% )  
780-799 (Apr-2012)
780-799 (Apr-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 4  
Description
Life goes on 101
Purpose of loan: To consolidate and free up money.


My financial situation:
I am a good candidate for this loan because... I always pay my obligations on time!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616767
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 3.99%  
Term: 60 months  
 
Lender yield: 16.28% Borrower rate/APR: 17.28% / 19.66% Monthly payment: $625.08
 
Lender servicing fee: 1.00% Effective Yield*: 16.21%  
Estimated return*: 12.22%  
* 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): 9 First credit line: Jun-2000 Debt/Income ratio: 14%
Credit score: 760-779 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 25 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,653Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: decisive-return660 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
loan-25k
Purpose of loan: debt consolidation
This loan will be used to... pay off high interest cards

My financial situation:
I am a good candidate for this loan because...
i never had any late payments, good credit history
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616779
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: D Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 10.75%  
Term: 60 months  
 
Lender yield: 26.47% Borrower rate/APR: 27.47% / 30.11% Monthly payment: $400.62
 
Lender servicing fee: 1.00% Effective Yield*: 25.81%  
Estimated return*: 15.06%  
* 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): 2 First credit line: May-1999 Debt/Income ratio: 17%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 9Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 11Length of status:36y 6m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,223Stated income:$100,000+
Delinquencies in last 7y: 21 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: mimi1212 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 29 ( 83% ) 680-699 (Latest)
Principal borrowed: $27,000.00< 31 days late: 6 ( 17% )  
680-699 (Mar-2012)
700-719 (Dec-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
To finish home improvement
Purpose of loan:
This loan will be used to...
Finish our kitchen remodeling. We added some new features including hardwood floors and as a result we are running short on funds.
My financial situation:
I am a good candidate for this loan because...I pay off my loans early.


Monthly net income: $12000
Monthly expenses: $9485
Housing: $3985
Insurance: $1000
Car expenses: $1000
Utilities: $500
Phone, cable, internet: $500
Food, entertainment: $1500
Clothing, household expenses: $
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616803
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.84% Borrower rate/APR: 26.84% / 29.46% Monthly payment: $182.64
 
Lender servicing fee: 1.00% Effective Yield*: 25.20%  
Estimated return*: 14.95%  
* 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): 4 First credit line: Oct-1998 Debt/Income ratio: 22%
Credit score: 640-659 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:3y 9m
Amount delinquent: $580 Total credit lines: 17 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,048Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: sycamore4 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 21 ( 100% ) 640-659 (Latest)
Principal borrowed: $11,000.00< 31 days late: 0 ( 0% )  
700-719 (Jul-2011)
680-699 (Sep-2010)
 
Principal balance: $7,555.71 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
Debt Consolidation
Purpose of loan:
Consolidate Several Credit Cards

My financial situation:
Working towards consolidating debt.


Monthly net income: $4000
Monthly expenses: $
Housing: $1000
Insurance: $100
Car expenses: $290
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $350
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616879
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $8,000 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.49% Borrower rate/APR: 24.49% / 28.34% Monthly payment: $315.92
 
Lender servicing fee: 1.00% Effective Yield*: 22.91%  
Estimated return*: 11.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1997 Debt/Income ratio: 28%
Credit score: 660-679 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 10Length of status:18y 10m
Amount delinquent: $0 Total credit lines: 26 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,367Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: benefit-firestarter5 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 / bill payoff
Purpose of loan:
This loan will be used to payoff bill to equal monthly loan expense and replace flooring in home

My financial situation:
I am a good candidate for this loan because i have steady employment and can set up allotment to ensure monthly payments as well as my spouses income mitigates monthly expenses captured below and net income below only shows my income.Thank you in advance


Monthly net income: $5,700
Monthly expenses: $4210
Housing: $1700
Insurance: $200
Car expenses: $700
Utilities: $400
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $760
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617015
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: $22,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $22,500 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 23.98% Borrower rate/APR: 24.98% / 27.55% Monthly payment: $660.14
 
Lender servicing fee: 1.00% Effective Yield*: 23.41%  
Estimated return*: 14.92%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1982 Debt/Income ratio: 17%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 24 / 21Length of status:11y 3m
Amount delinquent: $0 Total credit lines: 51 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39,279Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: brilliant-credit345 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617023
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 10.75%  
Term: 36 months  
 
Lender yield: 22.89% Borrower rate/APR: 23.89% / 27.73% Monthly payment: $156.70
 
Lender servicing fee: 1.00% Effective Yield*: 22.33%  
Estimated return*: 11.58%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1999 Debt/Income ratio: Not calculated
Credit score: 780-799 (Jul-2012) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:12y 7m
Amount delinquent: $0 Total credit lines: 22Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,750 
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: green-camaraderi-flower 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
Credit Card Consolidation
Purpose of loan:
This loan will be used to...
pay off 4 major credit card companies. i want a clean slate which will motivate me to start taking care of other priorities in life.

My financial situation:

I am a good candidate for this loan because...
firstly, through Experian, i've done a soft credit inquiry which revealed an outstanding credit score of 770 as of 7/24/12. my income is limited to under $1000.00/month but i do share all expenses as i am not the sole head of household. i've also become a very well rounded and honest budget manager.

Monthly net income: $800+
Monthly expenses: $325
Housing: $110
Insurance: $21.61
Car expenses: $0
Utilities: $65
Phone, cable, internet: $50
Food, entertainment: shared/included in monthly expenses
Clothing, household expenses: shared/included in monthly expenses
Credit cards and other loans: $25.00-$70.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617027
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*: 14.75%  
Term: 36 months  
 
Lender yield: 28.69% Borrower rate/APR: 29.69% / 33.67% Monthly payment: $169.13
 
Lender servicing fee: 1.00% Effective Yield*: 27.38%  
Estimated return*: 12.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 820-839 (Jul-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 19 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,859Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: vigilance-wheel2 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business Capital
Purpose of loan: Cash Flow
This loan will be used to...Boost Business Income

My financial situation: New Business Owner
I am a good candidate for this loan because...I can work outside of my practice to pay it off


Monthly net income: $8000
Monthly expenses: $
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $250.00
Food, entertainment: $200.00
Clothing, household expenses: $0
Credit cards and other loans: $300
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617029
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*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $213.29
 
Lender servicing fee: 1.00% Effective Yield*: 15.52%  
Estimated return*: 9.53%  
* 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-2002 Debt/Income ratio: Not calculated
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 10 / 6Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 16Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,248 
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: peso-crescent4 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
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617033
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*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $376.70
 
Lender servicing fee: 1.00% Effective Yield*: 19.52%  
Estimated return*: 11.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1983 Debt/Income ratio: 20%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,185Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: blissful-rupee1 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Financial Freedom
Purpose of loan:
This loan will be used to Consolidate & pay off two existing high interest credit cards and put a dent in another and free up additional income to put towards my emergency savings.

My financial situation is pretty good. I am a Certified Meeting Professional that has been continuously employed in the Meetings Industry for over twenty years and have been in my current position for nearly 6 years. This loan will allow me to eradicate my debt in a more efficient manner.

I am a good candidate for this loan because I am responsible and always pay my bills on time. I am also very commited to livng debt free.

Monthly net income: $3752.84
Monthly expenses: $3127.70
Housing: $1273.00
Insurance: $125.00
Car expenses: $ 150.00
Utilities: $125.00
Phone, cable, internet: $150.00
Food, entertainment: $225.00
Clothing, household expenses: $125.00
Credit cards and other loans: $1000.00
Other expenses: $54.70 (pet insurance - sickly cat)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617047
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: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 3.99%  
Term: 36 months  
 
Lender yield: 11.99% Borrower rate/APR: 12.99% / 15.83% Monthly payment: $336.89
 
Lender servicing fee: 1.00% Effective Yield*: 11.95%  
Estimated return*: 7.96%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Nov-1999 Debt/Income ratio: 12%
Credit score: 760-779 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 7 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $834Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: new-p2ploan-forte 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
For Business
Purpose of loan: Purchase Merchandise This loan will be used to... Purchase Merchandise My financial situation: GoodI am a good candidate for this loan because this money use for purchase more merchandise for my business.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617065
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* 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): 5 First credit line: May-1993 Debt/Income ratio: Not calculated
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 6 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $354Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: worth-rumbler4 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
Auto repair
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617105
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: $3,000 Estimated loss*: 16.25%  
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*: 12.71%  
* 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): 5 First credit line: Jun-1994 Debt/Income ratio: 15%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 44 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $657Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 100%  
   Homeownership: No  
Screen name: camaraderi-piccolo3 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home improvement, medical bill
Purpose of loan:
This loan will be used to...

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


Monthly net income: $4,000.00
Monthly expenses: $3,007.00
Housing: $1,570.00
Insurance: $0
Car expenses: $167
Utilities: $276.00
Phone, cable, internet: $225
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $200.00
Other expenses: $
600.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617107
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $11,500 Estimated loss*: 5.99%  
Term: 60 months  
 
Lender yield: 20.24% Borrower rate/APR: 21.24% / 23.72% Monthly payment: $312.67
 
Lender servicing fee: 1.00% Effective Yield*: 19.88%  
Estimated return*: 13.89%  
* 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-2001 Debt/Income ratio: 20%
Credit score: 780-799 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:16y 3m
Amount delinquent: $0 Total credit lines: 17 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $220Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: listing-transporter5 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
starting new business
Purpose of loan: taxidermy business
This loan will be used to...get a bigger building and materials for my taxidermy business

My financial situation:good
I am a good candidate for this loan because...I already have this business started just need to expand for bigger business.


Monthly net income: $4800
Housing: $998
Insurance: $250
Car expenses: $334
Utilities: $400
Phone, cable, internet: $150
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $300
Other expenses: $580
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617143
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*: 17.25%  
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*: 11.71%  
* 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): 5 First credit line: Aug-2003 Debt/Income ratio: 41%
Credit score: 660-679 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:9y 9m
Amount delinquent: $0 Total credit lines: 13 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,738Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: No  
Screen name: peso-accomplishment5 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
Wedding Funds
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617209
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* 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): 4 First credit line: Sep-1988 Debt/Income ratio: Not calculated
Credit score: 760-779 (Jul-2012) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 27Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $26,255 
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: smart-euro8 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Funds to payoff car title co
Purpose of loan: to pay off a title loan with extreme interest reates
This loan will be used to...
clear my car title
My financial situation:
I am a good candidate for this loan because...
I always make my payments

Monthly net income: $2400
Monthly expenses: $
Housing: $1199
Insurance: $159
Car expenses: $40
Utilities: $175
Phone, cable, internet: $174
Food, entertainment: $0
Clothing, household expenses: $25
Credit cards and other loans: $65
Other expenses: $
50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617245
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $12,500 Estimated loss*: 10.75%  
Term: 60 months  
 
Lender yield: 26.47% Borrower rate/APR: 27.47% / 30.11% Monthly payment: $385.21
 
Lender servicing fee: 1.00% Effective Yield*: 25.81%  
Estimated return*: 15.06%  
* 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): 5 First credit line: Jun-2002 Debt/Income ratio: 13%
Credit score: 620-639 (Jul-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,098Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: william34287 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 26 ( 100% ) 620-639 (Latest)
Principal borrowed: $3,600.00< 31 days late: 0 ( 0% )  
640-659 (Feb-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Debt Consolidation
Purpose of loan: Pay Bills Off
This loan will be used to... Consolidate Credit Cards

My financial situation: Employed for 7 years
I am a good candidate for this loan because...


Monthly net income: $ 5000
Monthly expenses: $ 3500
Housing: $ 1100
Insurance: $ 200
Car expenses: $ 200
Utilities: $ 100
Phone, cable, internet: $ 50
Food, entertainment: $ 350
Clothing, household expenses: $ 150
Credit cards and other loans: $ 850
Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617305
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 5.49%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 19.65% Monthly payment: $263.64
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 9.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1983 Debt/Income ratio: 34%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:27y 6m
Amount delinquent: $0 Total credit lines: 36 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $83,285Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: durability-commando Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 700-719 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
700-719 (Sep-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Funds for a wedding & other bills
No description is available.
Information in the Description is not verified.