Listing Report:Supplement No. 94 dated Sep 09, 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 619146
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): 4 First credit line: Jun-1990 Debt/Income ratio: 24%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 28 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,206Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: heavenly-basis2 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
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 624244
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: C Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 21.18% Borrower rate/APR: 22.18% / 24.68% Monthly payment: $235.63
 
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): 4 First credit line: May-1988 Debt/Income ratio: 23%
Credit score: 680-699 (Aug-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 6Length of status:23y 0m
Amount delinquent: $423 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,934Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: exciting-funds1 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 680-699 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
700-719 (Oct-2011)
 
Principal balance: $3,180.43 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Home improvement
My financial situation:
I am a good candidate for this loan because...I will pay-off first loan,buy new furnance,finish windows on house.I am current on all bills amd mortgage to Chase.


Monthly net income: $4200
Monthly expenses: $3300
Housing: $1182 includes taxes and insurance
Insurance: $120 car insurance
Car expenses: $650 car payment and gas
Utilities: $205 monthly budget plan
Phone, cable, internet: $200
Food, entertainment: $575
Clothing, household expenses: $100
Credit cards and other loans: $235
Other expenses: $35 persciptions
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 629882
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 7.24%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.71% Monthly payment: $238.23
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
Estimated return*: 10.33%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1981 Debt/Income ratio: 15%
Credit score: 600-619 (Aug-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:6y 9m
Amount delinquent: $0 Total credit lines: 41 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,857Stated income:$50,000-$74,999
Delinquencies in last 7y: 33 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: agreement-duckling Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
660-679 (Sep-2011)
 
Principal balance: $2,247.61 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
I have a stable job I am due a promotion in the next 6 months.

Monthly net income: $5750.00
Monthly expenses: $
Housing: $1000.00
Insurance: $95.00
Car expenses: 0 (company car)
Utilities: $150.00
Phone, cable, internet: $60.00
Food, entertainment: $450.00
Clothing, household expenses: $
Credit cards and other loans: $10000.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635760
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: $19,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $19,000 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 23.98% Borrower rate/APR: 24.98% / 27.55% Monthly payment: $557.45
 
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: Jun-1993 Debt/Income ratio: 11%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:11y 8m
Amount delinquent: $0 Total credit lines: 20 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: satisfying-treasure7 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: debt consolidation
This loan will be used to...payoff 401k loan and then use 401 to payoff both this loan and credit card

My financial situation: stable
I am a good candidate for this loan because...i have the funds to repay loan in my 401k which i'll be able to use upon receipt of this loan


Monthly net income: $3500
Monthly expenses:
Housing: $650
Insurance: $250
Car expenses: $100
Utilities: $150
Phone, cable, internet: $58
Food, entertainment: $200
Clothing, household expenses: $50
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635904
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 6.74%  
Term: 60 months  
 
Lender yield: 21.53% Borrower rate/APR: 22.53% / 25.04% Monthly payment: $418.82
 
Lender servicing fee: 1.00% Effective Yield*: 21.02%  
Estimated return*: 14.28%  
* 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-1997 Debt/Income ratio: 37%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,634Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: No  
Screen name: decisive-return3 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
home improvements
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 0.99%  
Term: 36 months  
 
Lender yield: 6.49% Borrower rate/APR: 7.49% / 8.83% Monthly payment: $466.52
 
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: Jul-1994 Debt/Income ratio: 11%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 9Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 57 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,830Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: Yes  
Screen name: kind-compassion-motion 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
Loan to payoff 2nd home
Purpose of loan:
This loan will be used to pay the difference between the selling price of my cabin and how much I owe the bank. The property is worth less than I owe and I live too far away to utilize the cabin.

My financial situation:
I am a good candidate for this loan because I have a stable job and very good credit history. I can provide any information required and references if needed.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635976
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: $21,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $15,050 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $677.61
 
Lender servicing fee: 1.00% Effective Yield*: 7.39%  
Estimated return*: 5.65%  
* 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-1994 Debt/Income ratio: 20%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 30 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,536Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: top-p2p-prominence 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
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
I have good credit with a well paying job and i am looking just to lower my payments for credit cards
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636018
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 1.74%  
Term: 60 months  
 
Lender yield: 11.08% Borrower rate/APR: 12.08% / 14.34% Monthly payment: $557.12
 
Lender servicing fee: 1.00% Effective Yield*: 11.07%  
Estimated return*: 9.33%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-1985 Debt/Income ratio: 34%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:15y 8m
Amount delinquent: $0 Total credit lines: 33 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,487Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: Yes  
Screen name: tranquil-reward339 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
Debt consolidation
Purpose of loan:
This loan will be used to consolidate bill payments

My financial situation:
I am a good candidate for this loan because of excellent credit history.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636036
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $630.33
 
Lender servicing fee: 1.00% Effective Yield*: 7.39%  
Estimated return*: 5.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Sep-1990 Debt/Income ratio: 10%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 10 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,940Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: listing-gravity2 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
Debt consolidation
Purpose of loan:
Consolidate two monthly payments and pay off 1 credit card. This would reduce my average combined interest rate from appx. 18% to 9.74%. I would use the remaining money to start my savings and investments.

My financial situation:
I have a great full time job with great job security in the IT field. I have over 15 years of very high level software development and IT architecture experience. I have a strong payment history on all monthly expenses, loans and credit cards for the past 10 years. I am a very mature person and am trying to reduce expenses to enable me to save more.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636042
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*: 14.25%  
Term: 12 months  
 
Lender yield: 22.10% Borrower rate/APR: 23.10% / 31.03% Monthly payment: $376.50
 
Lender servicing fee: 1.00% Effective Yield*: 21.11%  
Estimated return*: 6.86%  
* 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): 5 First credit line: Apr-1998 Debt/Income ratio: 34%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 36 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $328,693Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: influential-duty9 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
Purpose of loan:
This loan will be used to purchase upgrades for my home.

My financial situation:
I am a good candidate for this loan because my bills are always paid on time, never late.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636056
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.49% Borrower rate/APR: 24.49% / 28.34% Monthly payment: $394.91
 
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: Sep-2010 Debt/Income ratio: 6%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 2 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,031Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: new-autonomous-investment 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
Planning a Wedding
Purpose of loan:
This loan will be used to plan my wedding.

My financial situation:
I am a good candidate for this loan because I have a well-paid job (software developer) where I've been working for 3 years. I don't have much outstanding debt and I spend responsibly.

Monthly net income: $7000
Monthly expenses: $1650
Housing: $1100
Insurance: $
Car expenses: $50
Utilities: $50
Phone, cable, internet: $0
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $1200 credit card
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636152
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
Minimum Amount to Fund: $5,250 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.24% Borrower rate/APR: 23.24% / 27.06% Monthly payment: $291.26
 
Lender servicing fee: 1.00% Effective Yield*: 21.70%  
Estimated return*: 11.45%  
* 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: Not calculated
Credit score: 780-799 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:3y 8m
Amount delinquent: $3,111 Total credit lines: 10 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $27Stated income:$100,000+
Delinquencies in last 7y: 5 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: green-robust-currency Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Investment Opportunity
Purpose of loan:

This loan will be used to...
Invest into a start-up business. The re-payment of the loan will be out of personal funds and will be before the maturity date and has absolutely no correlation to the success of the business. I simply would like in invest more funds than I have available to me before the end of the month before the business goes onto the VC round of funding.

My financial situation:

I am a good candidate for this loan because...
I will make $100,000+ this and future years, I have close to $90,000 in net worth. I have 0 credit card debt. I am a lender on prosper.com with over $12,000 lent currently. My credit is excellent, and this loan will be paid off early. The delinquency showing on the report is in-accurate, and has been in dispute. It's been removed from 1 of the 3 reporting agencies reports, but I'm still working to resolve it with the other 2.

Further, this loan is a good investment because you will make money. The interest rate for my credit score, bank-card utilization of 1%, home ownership, all open lines current, lending history on prosper.com, is a pretty safe and profitable bet for you. As an investor, I'd happily invest in a loan with these metrics. As a borrower, I'd rather fellow lenders profit off of me than a bank for an unsecured loan. Further, I'm using prosper so that in the future, I'll be able to obtain a larger loan at a better rate if I ever have the need.

Monthly net income: $10,000 - $12,000
Monthly expenses: $250
Housing: $350 (own a duplex with other side rented)
Insurance: $0 - pre-paid
Car expenses: $0 - paid off
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636230
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): 4 First credit line: May-2007 Debt/Income ratio: 23%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 8 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,368Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: basis-empenada061 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $ 4010
Monthly expenses: $400
Housing: $500
Insurance: $ 128
Car expenses: $ 520
Utilities: $ 164
Phone, cable, internet: $ 128
Food, entertainment: $ 350
Clothing, household expenses: $ 150
Credit cards and other loans: $ 400
Other expenses: $ none
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636260
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*: 2.49%  
Term: 60 months  
 
Lender yield: 12.64% Borrower rate/APR: 13.64% / 15.94% Monthly payment: $230.82
 
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-1999 Debt/Income ratio: 16%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:22y 0m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,988Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: commerce-seagull7 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Vacation
Purpose of loan: vacation
This loan will be used to...have a good time

My financial situation: on time paying
I am a good candidate for this loan because...credit is good work is good
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636332
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 9.75%  
Term: 60 months  
 
Lender yield: 25.32% Borrower rate/APR: 26.32% / 28.93% Monthly payment: $301.30
 
Lender servicing fee: 1.00% Effective Yield*: 24.69%  
Estimated return*: 14.94%  
* 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-1995 Debt/Income ratio: Not calculated
Credit score: 620-639 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 8Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 20 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,043Stated income:$25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: new-pure-vigilance Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 26 ( 90% ) 620-639 (Latest)
Principal borrowed: $4,000.00< 31 days late: 3 ( 10% )  
700-719 (Apr-2011)
720-739 (Mar-2010)
 
Principal balance: $1,084.95 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Debt consolidation
Purpose of loan: Consolidate Debt
This loan will be used to pay off all my consumer debt and to just pay one payment a month.

My financial situation: I work for At&t as a Retail Sales Consultant. I made $43,000 last year and my bills are very low monthly. My hourly wage goes up every six months so I will make more each year.
I am a good candidate for this loan because I already have a loan with prosper that I have never missed a payment on. I live very well within my means and just want to get a bunch of little debt into one Lump Sum.


Monthly net income: $2600
Monthly expenses: $1500
Housing: $380
Insurance: $100
Car expenses: $0
Utilities: $150
Phone, cable, internet: $230
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $150
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636358
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: C Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 7.49%  
Term: 36 months  
 
Lender yield: 18.39% Borrower rate/APR: 19.39% / 23.12% Monthly payment: $294.83
 
Lender servicing fee: 1.00% Effective Yield*: 17.96%  
Estimated return*: 10.47%  
* 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): 7 First credit line: Mar-1999 Debt/Income ratio: 28%
Credit score: 620-639 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:15y 8m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,571Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: capital-optimizer3 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 620-639 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
720-739 (Jan-2012)
 
Principal balance: $3,439.75 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Household Expenses
Purpose of loan: Pay Bills
This loan will be used to...Pay Bills off

My financial situation: I am trying to pay off some of the bills that I have.
I am a good candidate for this loan because...I have a loan with you now and I pay my bill on time. I have 16 years at my current job.


Monthly net income: $3500.00
Monthly expenses: $300.00
Housing: $526.00
Insurance: $180.00
Car expenses: $300.00
Utilities: $50.00
Phone, cable, internet: $50.00
Food, entertainment: $100.00
Clothing, household expenses: $100.
Credit cards and other loans: $350.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 3.99%  
Term: 36 months  
 
Lender yield: 11.99% Borrower rate/APR: 12.99% / 15.83% Monthly payment: $404.27
 
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): 6 First credit line: Aug-1994 Debt/Income ratio: 11%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 2 / 2Length of status:19y 9m
Amount delinquent: $114,385 Total credit lines: 15 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 30 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Fbchild Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 24 ( 69% ) 720-739 (Latest)
Principal borrowed: $7,500.00< 31 days late: 11 ( 31% )  
660-679 (Feb-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
I have paid off previous loan with Prosper and it helped my family and me. I know want to pay off a construction and car loan to consolidate.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636880
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.84% Borrower rate/APR: 26.84% / 29.46% Monthly payment: $304.40
 
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): 6 First credit line: Apr-1994 Debt/Income ratio: 34%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 22 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,257Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: witty-moola936 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
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 630833
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $8,050 Estimated loss*: 1.74%  
Term: 60 months  
 
Lender yield: 11.08% Borrower rate/APR: 12.08% / 14.34% Monthly payment: $256.28
 
Lender servicing fee: 1.00% Effective Yield*: 11.07%  
Estimated return*: 9.33%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jan-1998 Debt/Income ratio: 20%
Credit score: 720-739 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,594Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: No  
Screen name: established-reward7 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Consolidate previous credit and loan debt into one payment and to save on higher interest rates.
My financial situation:
I am a good candidate for this loan because...
I pay all of my current credit and loan payments on time and am never late on any of the payments. I have a good job and with this loan I will be able to save on interest from the paid off debts enabling me to pay back this loan easier and potentially earlier at times by sending multiple payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635565
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $8,050 Estimated loss*: 0.99%  
Term: 36 months  
 
Lender yield: 6.49% Borrower rate/APR: 7.49% / 8.83% Monthly payment: $357.67
 
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: Dec-1987 Debt/Income ratio: 5%
Credit score: 860-879 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,833Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: snowdome181 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
Large Purchases
Purpose of loan:
This loan will be used to...fix shotty repair work on home

My financial situation:
I am a good candidate for this loan because...
i make decent money
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635649
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*: 4.74%  
Term: 60 months  
 
Lender yield: 17.97% Borrower rate/APR: 18.97% / 21.39% Monthly payment: $388.86
 
Lender servicing fee: 1.00% Effective Yield*: 17.66%  
Estimated return*: 12.92%  
* 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): 8 First credit line: Jun-2003 Debt/Income ratio: 33%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:7y 11m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,723Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: productive-bonus380 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
Debt consolidation
Purpose of loan:
This loan will be used to...paid off credit cards

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


Monthly net income: $ 2500-3000
Monthly expenses: $ 2000
Housing: $
Insurance: $ 185
Car expenses: $ 240
Utilities: $ 130
Phone, cable, internet: $ 101
Food, entertainment: $ 250-300
Clothing, household expenses: $ 200
Credit cards and other loans: $ 500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635653
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: $17,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $12,250 Estimated loss*: 3.49%  
Term: 36 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 14.82% Monthly payment: $581.17
 
Lender servicing fee: 1.00% Effective Yield*: 10.95%  
Estimated return*: 7.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1990 Debt/Income ratio: 13%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 17 Occupation: Attorney
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,588Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: worlds-best-treasure244 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate credit card debt.

My financial situation:
I am a good candidate for this loan because (a) I have a stable, well paid position as an in-house senior patent counsel with Oracle Corp, and (b) have a long history of always making all my payments on time (credit cards, rent, utilities, etc.).
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635925
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $642.91
 
Lender servicing fee: 1.00% Effective Yield*: 8.72%  
Estimated return*: 6.23%  
* 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): 8 First credit line: Mar-1998 Debt/Income ratio: 31%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 34 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,293Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: respectful-gain8 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: 0 / 1 On-time: 7 ( 100% ) 720-739 (Latest)
Principal borrowed: $25,000.00< 31 days late: 0 ( 0% )  
800-819 (Jun-2012)
840-859 (Oct-2011)
840-859 (Jul-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Home improvement
Purpose of loan:
This loan will be used to do landscaping work.

My financial situation:
I am a good candidate for this loan because I already paid one off.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635929
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: $18,536.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $12,975.20 Estimated loss*: 4.49%  
Term: 60 months  
 
Lender yield: 17.52% Borrower rate/APR: 18.52% / 20.93% Monthly payment: $475.95
 
Lender servicing fee: 1.00% Effective Yield*: 17.21%  
Estimated return*: 12.72%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1996 Debt/Income ratio: 17%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:2y 8m
Amount delinquent: $67 Total credit lines: 29 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,572Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: keen-peace16 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,500.00< 31 days late: 0 ( 0% )  
740-759 (Feb-2012)
 
Principal balance: $6,461.95 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Auto
Purpose of loan:
This loan will be used to purchase vehicle and pay off some debt..
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 6.74%  
Term: 60 months  
 
Lender yield: 21.53% Borrower rate/APR: 22.53% / 25.04% Monthly payment: $418.82
 
Lender servicing fee: 1.00% Effective Yield*: 21.02%  
Estimated return*: 14.28%  
* 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-1987 Debt/Income ratio: 58%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 20Length of status:20y 5m
Amount delinquent: $0 Total credit lines: 54 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $59,805Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: subtle-fund090 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 pay off some high interest rate cards and to lower monthly payments.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time. This loan will make it possible for me to pay things off a bit faster.


Monthly net income: $ 2600
Monthly expenses: $ 250
Housing: $ 330
Insurance: $ 55
Car expenses: $ 0
Utilities: $ 180
Phone, cable, internet: $ 49.99
Food, entertainment: $ 200
Clothing, household expenses: $ 100
Credit cards and other loans: $ 1250
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636077
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 9.25%  
Term: 12 months  
 
Lender yield: 15.80% Borrower rate/APR: 16.80% / 24.61% Monthly payment: $728.88
 
Lender servicing fee: 1.00% Effective Yield*: 15.44%  
Estimated return*: 6.19%  
* 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): 4 First credit line: Feb-1999 Debt/Income ratio: 26%
Credit score: 640-659 (Aug-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 26 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,441Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: Paneraboy 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 10 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,001.00< 31 days late: 0 ( 0% )  
640-659 (Jul-2008)
600-619 (Mar-2007)
580-599 (Feb-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Medical/Dental
Purpose of loan: Consolidate some bills before my Neck Surgery
This loan will be used to...pay off some bills and catch up my rent and car payments during my recovery from surgery.

My financial situation: I make great money as a General Manager for one of the top Panera Breads in the Country
I am a good candidate for this loan because...I can use my 401 k to pay it off in 30 days if needed. I will also have supplemental income from Workers Comp


Monthly net income: $3500
Monthly expenses: $2500-all listed below
Housing: $800
Insurance: $90
Car expenses: $600
Utilities: $180
Phone, cable, internet: $125
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $205
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636083
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $426.58
 
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: Oct-2003 Debt/Income ratio: 31%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 27 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,668Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: red-upbeat-listing Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2,000
Monthly expenses: $800,00
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $200.00
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636215
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*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $450.28
 
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: Jul-1990 Debt/Income ratio: 14%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 21 Occupation: Doctor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,952Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: No  
Screen name: note-hornet7 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
Home improvement
Purpose of loan:
This loan will be used to...Fix my garage and roof

My financial situation:
I am a good candidate for this loan because...I have a stable income which will allow me to repay the loan


Monthly net income: $17000
Monthly expenses: $
Housing: $2000
Insurance: $200
Car expenses: $100
Utilities: $300
Phone, cable, internet: $200
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636233
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: $8,400.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,880 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.24% Borrower rate/APR: 23.24% / 27.06% Monthly payment: $326.21
 
Lender servicing fee: 1.00% Effective Yield*: 21.70%  
Estimated return*: 11.45%  
* 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-1991 Debt/Income ratio: Not calculated
Credit score: 840-859 (Sep-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 33 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,462Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: momentous-auction5 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
Household Expenses
Purpose of loan:
This loan will be used to...

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


Monthly net income: $84000
Monthly expenses: $6300
Housing: $2900
Insurance: $400
Car expenses: $1200
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $500
Clothing, household expenses: $
Credit cards and other loans: $12,000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636243
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: $9,300.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $6,510 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $293.10
 
Lender servicing fee: 1.00% Effective Yield*: 7.39%  
Estimated return*: 5.65%  
* 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: Aug-2005 Debt/Income ratio: 13%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:11y 1m
Amount delinquent: $0 Total credit lines: 9 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,228Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: No  
Screen name: worthy-money3 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:
Pay off credit card debt at high interest rates.

My financial situation:
I am a good candidate for this loan because I make my loan payments weekly, and I have never missed a payment. I have been gainfully employed for over 11 years, and our office continues to grow at a rate of about 20% per year.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636245
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*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $468.29
 
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: Dec-1991 Debt/Income ratio: 11%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $632Stated income:$50,000-$74,999
Delinquencies in last 7y: 29 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: moola-association2 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: to consoldate some debt
This loan will be used to consolidate some current debt at a better rate.

My financial situation:
I am a good candidate for this loan because I have been employed by same company almost 10 years and am making attempts to be financially smarter with my money decisions.


Monthly net income: $ 3700
Other income: $ 3200
Monthly expenses:
Housing: $ 2025
Insurance car : $ 92
Utilities: $ 200.00
Phone, cable, internet: $ 240
Food, entertainment: $ 120
Clothing, household expenses: $100
Credit cards and other loans: $ 25
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636303
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 23.98% Borrower rate/APR: 24.98% / 27.55% Monthly payment: $322.74
 
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: Mar-1985 Debt/Income ratio: Not calculated
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 3Length of status:15y 7m
Amount delinquent: $0 Total credit lines: 14 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,648Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: enticing-ore2 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
Debt consolidation
Purpose of loan: debt
This loan will be used to...pay off debt

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


Monthly net income: $4200
Monthly expenses: $
Housing: $300
Insurance: $50
Car expenses: $0
Utilities: $45
Phone, cable, internet: $0
Food, entertainment: $50
Clothing, household expenses: $45
Credit cards and other loans: $11000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636469
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): 4 First credit line: Aug-1993 Debt/Income ratio: 10%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 1 / 0Length of status:1y 5m
Amount delinquent: $125 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: kind-dinero-saxaphone 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
Debt consolidation
Purpose of loan:
This loan will be used to... pay off home and car

My financial situation: stable
I am a good candidate for this loan because... pay with direct deposit


Monthly net income: $ 1200
Monthly expenses: $
Housing: $ 488
Insurance: $ 115
Car expenses: $ 100
Utilities: $ 90.00
Phone, cable, internet: $ 70
Food, entertainment: $ 50
Clothing, household expenses: $ 25
Credit cards and other loans: $ 0.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636547
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $565.05
 
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-1996 Debt/Income ratio: 28%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,787Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: Yes  
Screen name: charming-vigilance974 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
Business
Purpose of loan: Business
This loan will be used to...to buy a stove and things that I need

My financial situation: is good
I am a good candidate for this loan because... I am very responsible with my obligations /payments


Monthly net income: $4230
Monthly expenses: $
Housing: $
Insurance: $700 a year
Car expenses: $165 a month gas
Utilities: $0
Phone, cable, internet: $25 a month
Food, entertainment: $50
Clothing, household expenses: $0
Credit cards and other loans: $640 a month
Other expenses: $
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636595
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): 5 First credit line: Jun-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Aug-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,887Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: blue-diligent-income9 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt
Purpose of loan: Debt and water bill
This loan will be used to clear debt and water bill balance

My financial situation: fair
I am a good candidate for this loan because make monthly payment on time


Monthly net income: $
Monthly expenses: $
Housing: $ 2500
Insurance: $ 800
Car expenses: $0
Utilities: $
Phone, cable, internet: $ 400
Food, entertainment: $
Clothing, household expenses: $1000
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636781
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*: 12.75%  
Term: 60 months  
 
Lender yield: 29.57% Borrower rate/APR: 30.57% / 33.30% Monthly payment: $130.82
 
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: Dec-1983 Debt/Income ratio: 26%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 4 Current / open credit lines: 15 / 13Length of status:4y 9m
Amount delinquent: $3,038 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,128Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: mrwildman Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
660-679 (Oct-2011)
 
Principal balance: $2,828.76 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Debt consolidation
Information in the Description is not verified.