Listing Report:Supplement No. 21 dated Jul 30, 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 602364
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
Estimated loss*: 5.49%  
Term: 60 months  
 
Lender yield: 19.39% Borrower rate/APR: 20.39% / 22.85% Monthly payment: $400.67
 
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: Mar-1998 Debt/Income ratio: 21%
Credit score: 760-779 (Jul-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 29 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,349Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: helpful-generosity2 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
home investment
Purpose of loan:
This loan will be used to...finish building my home

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


Monthly net income: $4,700
Monthly expenses: $2,100
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 609488
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
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: Oct-2004 Debt/Income ratio: 6%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:7y 3m
Amount delinquent: $2,227 Total credit lines: 5 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,895Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: wampum-sculpture0 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
starting new business
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 616926
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
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: Apr-1980 Debt/Income ratio: 48%
Credit score: 720-739 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:21y 2m
Amount delinquent: $0 Total credit lines: 66 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $103,336Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: affluence-shower7 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
household expenses
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617104
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 23.98% Borrower rate/APR: 24.98% / 27.55% Monthly payment: $132.03
 
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): 6 First credit line: Oct-1994 Debt/Income ratio: 14%
Credit score: 760-779 (Jul-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 1 Current / open credit lines: 15 / 12Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,166Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: appetizing-integrity5 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
Necessary Home Improvement
Purpose of loan:
The funds from this loan will be applied to upgrading my 30 year old primary residence. I will be upgrading the kitchen and bathrooms.

My financial situation:
I am a good candidate for this loan because I have a very stable work history. I have limited debt and I am financially secure. I have spent the last several years becoming financially stable.


Monthly net income: $9200
Monthly expenses: $200
Housing: $455
Insurance: $200
Car expenses: $540
Utilities: $250
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $150
Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 618256
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.75%  
Term: 36 months  
 
Lender yield: 24.24% Borrower rate/APR: 25.24% / 29.11% Monthly payment: $99.72
 
Lender servicing fee: 1.00% Effective Yield*: 23.64%  
Estimated return*: 11.89%  
* 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): 6 First credit line: Sep-1999 Debt/Income ratio: 11%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:4y 7m
Amount delinquent: $0 Total credit lines: 8 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $976Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: bazaar-enlistment5 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
Home expenses
Purpose of loan:
This loan will be used to pay my taxes due at the end of this month.

My financial situation:
I am a good candidate for this loan because I have a very secure job and will make my payments.


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 618346
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: C Listing Duration: 14 days
Estimated loss*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $216.13
 
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): 8 First credit line: Mar-1999 Debt/Income ratio: 16%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:4y 8m
Amount delinquent: $38 Total credit lines: 23 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $567Stated income:$25,000-$49,999
Delinquencies in last 7y: 34 Bankcard utilization: 16%  
   Homeownership: Yes  
Screen name: gallant-repayment2 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
Auto Repairs
Purpose of loan:to get vehicle from repair shop
This loan will be used to...pay for repairs

My financial situation:Wells Fargo
I am a good candidate for this loan because...I make every effort to repay my debts in a timely manner.


Monthly net income: $3000.00
Monthly expenses: $
Housing: $975.00
Insurance: $35.00
Car expenses: $100.00
Utilities: $275.00
Phone, cable, internet: $245.00
Food, entertainment: $100.00
Clothing, household expenses: $100.00
Credit cards and other loans: $500.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617577
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $355.48
 
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: Nov-1997 Debt/Income ratio: 22%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 23 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,265Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: hard-working-contract060 Borrower's state: Delaware 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 high interest 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: $3800.00
Monthly expenses: $
Housing: $750.00
Insurance: $130.00
Car expenses: $488.00
Utilities: $200.00
Phone, cable, internet: $135.00
Food, entertainment: $400.00
Clothing, household expenses: $100.00
Credit cards and other loans: $600.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617753
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: D Listing Duration: 14 days
Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.49% Borrower rate/APR: 24.49% / 28.34% Monthly payment: $296.18
 
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: Jul-1990 Debt/Income ratio: 35%
Credit score: 660-679 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,717Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: the-revenue-pecan Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay off credit cards
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617775
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.49%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 19.65% Monthly payment: $351.52
 
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): 5 First credit line: Oct-1992 Debt/Income ratio: 39%
Credit score: 720-739 (Jul-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 23 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,993Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: efficient-penny9 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 720-739 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
760-779 (Nov-2011)
 
Principal balance: $6,526.80 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Help me consolidate!
Purpose of loan:
Consolidate card balances and pay off car loan

My financial situation:
I have had a similar loan on prosper for over 8 months and have made all timely payments


Monthly net income: $3,200 Salary $2,000 Sales based
Monthly expenses: $1500
Housing: $1300
Insurance: $120
Car expenses: $330
Utilities: $80
Phone, cable, internet: $110
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $7500 car loan, $3000 credit card loan
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617883
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.49%  
Term: 60 months  
 
Lender yield: 19.39% Borrower rate/APR: 20.39% / 22.85% Monthly payment: $213.69
 
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): 6 First credit line: Jan-1991 Debt/Income ratio: 32%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 15Length of status:19y 2m
Amount delinquent: $0 Total credit lines: 41 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,437Stated income:$75,000-$99,999
Delinquencies in last 7y: 8 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: rfamily 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 72 ( 99% ) 680-699 (Latest)
Principal borrowed: $10,500.00< 31 days late: 1 ( 1% )  
660-679 (May-2011)
600-619 (Mar-2010)
600-619 (Feb-2010)
600-619 (Mar-2008)
 
Principal balance: $2,013.16 31+ days late: 0 ( 0% )
Total payments billed: 73  
Description
Selling Rental Home
Purpose of loan:
This loan will be used to: Decided to sell rental home. Tenants moving out mid Aug. Home purchased/built in 2004 for 196K. Owe 132K and real estate agent states can list for 199K and sell fast if list for 189K. Home located in Texas. 3072sq ft, 5BR,3Bath on .25 acre lot. Listing at 189,900. After 15K in closing cost will clear 42K. Need 7K to replace carpet, paint and make rdy for sale. 1K carryover expenses till sale. Will use released equity to clear revolving debt.

My financial situation:
I am a good candidate for this loan because I have stable and adequate income to cover the payments. I have worked for the same company since May 1993.

Monthly net income: $7,983
Monthly expenses: $5600
Housing: $1250 and $1020
Insurance: $212
Car expenses: $822
Utilities: $250
Phone, cable, internet: $154
Food, entertainment: $1000
Clothing, household expenses: $250
Credit cards and other loans: $550
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 617895
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
Estimated loss*: 13.75%  
Term: 60 months  
 
Lender yield: 30.85% Borrower rate/APR: 31.85% / 34.61% Monthly payment: $134.00
 
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): 8 First credit line: Apr-1990 Debt/Income ratio: 6%
Credit score: 640-659 (Jul-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 8 Current / open credit lines: 2 / 2Length of status:15y 9m
Amount delinquent: $7,694 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 4 Revolving credit balance: $339Stated income:$25,000-$49,999
Delinquencies in last 7y: 38 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: methodical-revenue444 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 618053
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
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: Feb-1991 Debt/Income ratio: 19%
Credit score: 640-659 (Jul-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:17y 2m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,510Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: the-hope-willow 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
Medical and Dental Loan
Purpose of loan: Medical and Dental
This loan will be used to...pay medical bills and have dental work done

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


Monthly net income: $1983.60
Monthly expenses: $1325.00
Housing: $600.00
Insurance: $102.00
Car expenses: $84.00
Utilities: $136.00
Phone, cable, internet: $144.00
Food, entertainment: $125.00
Clothing, household expenses: $35.00
Credit cards and other loans: $99.00
Other expenses: $00.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 618125
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
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): 3 First credit line: May-1990 Debt/Income ratio: 23%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 6Length of status:4y 6m
Amount delinquent: $3,471 Total credit lines: 21 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,293Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: commerce-socrates8 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
auto 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: $3000
Monthly expenses: $1600
Housing: $700
Insurance: $200
Car expenses: $0
Utilities: $100
Phone, cable, internet: $139
Food, entertainment: $50
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 618143
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: $8,700.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.49%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 19.65% Monthly payment: $305.82
 
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): 8 First credit line: Oct-1988 Debt/Income ratio: 11%
Credit score: 740-759 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:12y 3m
Amount delinquent: $0 Total credit lines: 23 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,779Stated income:$75,000-$99,999
Delinquencies in last 7y: 6 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: trade-starfish0 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay down debt and car maintenance
Purpose of loan:
This loan will be used to Consolidate & pay off existing high interest credit cards and pay down other bills as well as some minor car repairs

My financial situation is pretty good. I've been working for the same company for almost 13 years and I'm an IT Professional that has been continuously employed in the same Industry. I'm also a retired from the military.

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


Monthly net income: $5085
Monthly expenses: $
Housing: $1800
Insurance: $65 car
Car expenses: $100 gas
Utilities: $230
Phone, cable, internet: $185 cable $85
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $500 monthly
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 618271
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
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-2001 Debt/Income ratio: 74%
Credit score: 700-719 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 9Length of status:15y 10m
Amount delinquent: $0 Total credit lines: 21 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,753Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: pear495 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
Household Expenses Loan
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 618331
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.75%  
Term: 36 months  
 
Lender yield: 24.24% Borrower rate/APR: 25.24% / 29.11% Monthly payment: $339.04
 
Lender servicing fee: 1.00% Effective Yield*: 23.64%  
Estimated return*: 11.89%  
* 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): 6 First credit line: Jul-1998 Debt/Income ratio: 28%
Credit score: 680-699 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:15y 0m
Amount delinquent: $0 Total credit lines: 29 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,867Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: immaculate-silver4 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3700
Monthly expenses: $
Housing: $600

Insurance: $130
Car expenses: $400
Utilities: $
Phone, cable, internet: $120
Food, entertainment: $250
Clothing, household expenses: $
Credit cards and other loans: $650
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 618349
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
Estimated loss*: 11.25%  
Term: 60 months  
 
Lender yield: 27.04% Borrower rate/APR: 28.04% / 30.70% Monthly payment: $405.08
 
Lender servicing fee: 1.00% Effective Yield*: 26.37%  
Estimated return*: 15.12%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-1998 Debt/Income ratio: 15%
Credit score: 660-679 (Jul-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:13y 2m
Amount delinquent: $0 Total credit lines: 24 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,026Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: reinforced-basis9 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Purchasing Business
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 618355
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $74.52
 
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: Dec-1998 Debt/Income ratio: 4%
Credit score: 660-679 (Jul-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 19 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $341Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: No  
Screen name: impeccable-loan3 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
No description is available.
Information in the Description is not verified.