Listing Report:Supplement No. 96 dated Sep 10, 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 611875
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $152.74
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 11.23%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1988 Debt/Income ratio: 21%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:11y 8m
Amount delinquent: $0 Total credit lines: 43 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,182Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: studious-benefit6 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
Consolidation of Credit Cards
Purpose of loan:
This loan will be used to pay off HIGH interest credit cards, so I can get out of credit card debt, upon paying them off I will close the accounts.

My financial situation:
I am a good candidate for this loan because I'm not behind with any of my creditors and always pay my bills on time. I'm a single parent to a child who had medical issue that caused me to use credit cards to pay off his medical. I really just want to get these HIGH interest cards paid off and closed. I do not want to use any of those debt management companies, since I'm trying to maintain my good credit, so this request for a loan is my last option since my house is valued less than it's worth.


Monthly net income: $61,000
Monthly expenses: $2500
Housing: $1160.00
Insurance: $120.00
Car expenses: $518.00
Utilities: $230.00
Phone, cable, internet: $146.00
Food, entertainment: $275
Clothing, household expenses: $50
Credit cards and other loans: $200.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 611975
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: 60 months  
 
Lender yield: 12.64% Borrower rate/APR: 13.64% / 15.94% Monthly payment: $461.64
 
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-1989 Debt/Income ratio: 18%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 2m
Amount delinquent: $0 Total credit lines: 15 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $36,623Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: reward-optimizer6 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
Pay off ex wife on Land Loan
Purpose of loan:
This loan will be used to...Refinance a land loan that I need to payoff my ex wife. We used a home equity. I need to pay that off and remove her of the Title.

My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 622139
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,800.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,660 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $122.15
 
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): 9 First credit line: Jun-1995 Debt/Income ratio: 21%
Credit score: 740-759 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,671Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: Yes  
Screen name: marketplace-piledriver 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 740-759 (Latest)
Principal borrowed: $3,600.00< 31 days late: 0 ( 0% )  
780-799 (Jan-2012)
 
Principal balance: $2,953.65 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Debt consolidation
Purpose of loan:
This loan will be used to refinance some higher interest rate credit card debt and put it on a three year payout.

My wife and I are both employed and own our home. I have been at my current job for over four years. I work for a bank and my wife is a teacher. I have never been late on a loan payment and working at a bank has taught me the importance of keeping our finances in order.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 628067
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 1.74%  
Term: 60 months  
 
Lender yield: 11.08% Borrower rate/APR: 12.08% / 14.34% Monthly payment: $189.42
 
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: Aug-1963 Debt/Income ratio: 20%
Credit score: 780-799 (Aug-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 41 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,631Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: Yes  
Screen name: bobcabaniss Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off Home equity Line
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 630389
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: Sep-1996 Debt/Income ratio: 8%
Credit score: 680-699 (Aug-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:18y 0m
Amount delinquent: $0 Total credit lines: 26 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,247Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 102%  
   Homeownership: Yes  
Screen name: mindful-value346 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
Unexpected Expenses
Purpose of loan:
This loan will be used to...
pay down some unexpected expenses

My financial situation:
I am a good candidate for this loan because...
I have an excellent history of paying all loan payments. I do not miss payments. I have excellent income. 200k +. I am committed to pay down all debt over the next five years.

Monthly net income: $ 17,508
Monthly expenses: $
Housing: $ 2273
Insurance: $
Car expenses: $ 354
Utilities: $ 350
Phone, cable, internet: $ 350
Food, entertainment: $ 1200
Clothing, household expenses: $ 500
Credit cards and other loans: $ 2000 per month
Other expenses: $ 500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 630647
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*: 6.24%  
Term: 60 months  
 
Lender yield: 20.81% Borrower rate/APR: 21.81% / 24.30% Monthly payment: $357.64
 
Lender servicing fee: 1.00% Effective Yield*: 20.32%  
Estimated return*: 14.08%  
* 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: Feb-1993 Debt/Income ratio: 40%
Credit score: 660-679 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 19 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,808Stated income:$25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: truth-glider 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: 0 / 1 On-time: 20 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
700-719 (Feb-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
Wedding Loans
Purpose of loan:
This loan will be used to pay for my wedding next October.

My financial situation:
I am a good candidate for this loan because she graduates in May, and I graduate in 2 years time which will boost our earnings. I currently collect GI bill payments for rent.


Monthly net income: $2312
Monthly expenses: $1500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 631363
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: B Listing Duration: 14 days
Minimum Amount to Fund: $13,300 Estimated loss*: 5.49%  
Term: 60 months  
 
Lender yield: 19.39% Borrower rate/APR: 20.39% / 22.85% Monthly payment: $507.52
 
Lender servicing fee: 1.00% Effective Yield*: 19.05%  
Estimated return*: 13.56%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1984 Debt/Income ratio: 31%
Credit score: 760-779 (Aug-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,800Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: poetic-treasure96 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...lower and reduce my debt to income ratio; which enables me to contribute to my grandchild's future education.

My financial situation:
I am a good candidate for this loan because...I have paid off previous loan balances for real estate properties and auto loans. I continue to pay down my revolving credit card debt by adding extra payments to the required minimum.


Monthly net income: $3,380.00
Monthly expenses: $
Housing: $1722.55
Insurance: $45.00
Car expenses: $
Utilities: $300.00
Phone, cable, internet: $480.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $600.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 632083
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: Mar-2002 Debt/Income ratio: 37%
Credit score: 660-679 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 12Length of status:18y 5m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $96,353Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: payment-spy2 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 632275
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: 60 months  
 
Lender yield: 31.58% Borrower rate/APR: 32.58% / 35.37% Monthly payment: $135.82
 
Lender servicing fee: 1.00% Effective Yield*: 30.13%  
Estimated return*: 15.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-1999 Debt/Income ratio: 25%
Credit score: 660-679 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:5y 6m
Amount delinquent: $0 Total credit lines: 39 Occupation: Engineer - Chemical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,343Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: p2p-pillow2 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to payoff three (3) credit card bills and to help lower my monthly expenses.

My financial situation:
I am a good candidate for this loan because I have never defalted on a loan, and have never filed for bankruptcy. My wife's day care business has stopped and so has the additional income. I will have a tax refund and bonus in March 2013 that will be used to payoff the entire loan amount.


Monthly net income: $5100
Monthly expenses: $5070
Housing: $1300
Insurance: $included
Car expenses: $460
Utilities: $720
Phone, cable, internet: $included
Food, entertainment: $800
Clothing, household expenses: $65
Credit cards and other loans: $1725
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 632967
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 5.49%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 19.65% Monthly payment: $878.80
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 9.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-1994 Debt/Income ratio: 32%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:12y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,076Stated income:$75,000-$99,999
Delinquencies in last 7y: 2 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: avfd149 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:
This loan will be used to consolidate revolving credit.

My financial situation:
I am a good candidate for this loan because I have secure stable employment as a municipal firefighter. I am both a career and paid-on-call firefighter. I have been with each department 13 years and 16 1/2 years respectively. Medical insurance and life insurance is covered by my employer. I currently have a health care saving plan that contains 2+ years of maximum out of pocket expenses, and my employer contributes 50% of maximum out of pocket per year. I am hoping to consolidate my current bills with the plan of clearing out all revolving debt in 3 years.


Monthly net income: $4500.00
Monthly expenses: $3700.00 - $3850.00
Housing: $1325.00
Insurance: $116.00
Car expenses: $340.00
Utilities: $120.00
Phone, cable, internet: $300.00
Food, entertainment: $300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $ 1100.00 (paying extra per month) $ 825.00 minimums
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 633211
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $22,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $15,750 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $847.57
 
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: Mar-1998 Debt/Income ratio: 25%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 32 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $78,141Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: openness-conservationist1 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: Debt Consolidation
This loan will be used to...Pay off Credit Cards

My financial situation: very good
I am a good candidate for this loan because...
I have a steady income and very good track record of paying debt in time.

Monthly net income: $9204
Monthly expenses: $400
Housing: $2350
Insurance: $125
Car expenses: $200
Utilities: $200
Phone, cable, internet: $320
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 633389
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: Mar-1994 Debt/Income ratio: 34%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 12 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,292Stated income:$50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: refined-economy7 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...
Roof the house were leasing
My financial situation:
I am a good candidate for this loan because...
I have a good job and I'm current with all my bills and have been for several years

Monthly net income: $4500
Monthly expenses: $2500
Housing: $
Insurance: $
Car expenses: $750
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $300
Other expenses: $550
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 633727
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: D Listing Duration: 14 days
Minimum Amount to Fund: $6,500 Estimated loss*: 11.75%  
Term: 36 months  
 
Lender yield: 24.24% Borrower rate/APR: 25.24% / 29.11% Monthly payment: $259.26
 
Lender servicing fee: 1.00% Effective Yield*: 23.64%  
Estimated return*: 11.89%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-2002 Debt/Income ratio: 22%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 9 / 8Length of status:4y 4m
Amount delinquent: $277 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,180Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: kind-commitment-scout 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
Debt consolidation
Purpose of loan:
This loan will be used to pay off debt and hospital bills and get my life back together after divcorce.

My financial situation:
I am a good candidate for this loan because I have steady income and have been employed at same job for nearly 5 years and can afford the payments.


Monthly net income: $2626
Monthly expenses: $
Housing: $350
Insurance: $92
Car expenses: $60
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634119
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Feb-1999 Debt/Income ratio: 24%
Credit score: 600-619 (Sep-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 2 Current / open credit lines: 10 / 12Length of status:5y 10m
Amount delinquent: $18,576 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $107,982Stated income:$100,000+
Delinquencies in last 7y: 3 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: deal-sage821 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 600-619 (Latest)
Principal borrowed: $13,000.00< 31 days late: 0 ( 0% )  
720-739 (Jan-2012)
700-719 (Dec-2011)
 
Principal balance: $11,905.19 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Other
Purpose of loan:
This loan will be used to complete the payment of my divorce lawyer

My financial situation:
I am a good candidate for this loan because I just need a little bit of cash to get through this difficult situation. I work hard and I pay my debts back.


Monthly net income: $5600
Monthly expenses: $4000
Housing: $1200
Insurance: $100
Car expenses: $300
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $1600
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634329
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: 60 months  
 
Lender yield: 12.64% Borrower rate/APR: 13.64% / 15.94% Monthly payment: $461.64
 
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): 8 First credit line: Dec-1989 Debt/Income ratio: 33%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:13y 3m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,621Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: charless969 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 34 ( 97% ) 740-759 (Latest)
Principal borrowed: $8,500.00< 31 days late: 1 ( 3% )  
780-799 (Apr-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 consolidate my bills into a single payment with an overall lower interest rate. I am focused on getting bills paid off quickly to help get closer to becoming debt free.

My financial situation:
I am a good candidate for this loan because this is my second loan with Prosper and I pay my bills on time each month. I have a stable job and been with my current employer for over 13 years. I continue to move up in the company with increasing pay.
As of August 1st I was promoted to a management position leading a team of 19 employees.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634419
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: Nov-1994 Debt/Income ratio: 36%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 33 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $59,263Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: doughasaurus5 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt concolidation
Purpose of loan:
This loan will be used to... pay off bills

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


Monthly net income: $4,496
Monthly expenses: $1,500
Housing: $
Insurance: $
Car expenses: $219
Utilities: $300
Phone, cable, internet: $150
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634651
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 4.74%  
Term: 36 months  
 
Lender yield: 13.59% Borrower rate/APR: 14.59% / 18.21% Monthly payment: $310.18
 
Lender servicing fee: 1.00% Effective Yield*: 13.36%  
Estimated return*: 8.62%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1998 Debt/Income ratio: 11%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 35 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,740Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: genuine-power0 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
Purpose of loan:
This loan will be used to...

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


Monthly net income: $7500.00
Monthly expenses: $250.00
Housing: $2400.00
Insurance: $0.00
Car expenses: $0.00
Utilities: $250.00
Phone, cable, internet: $135.00
Food, entertainment: $200.00
Clothing, household expenses: $200.00
Credit cards and other loans: $800.00
Other expenses: $
Child Support: 900.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634701
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: Nov-1997 Debt/Income ratio: 52%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:7y 11m
Amount delinquent: $0 Total credit lines: 17 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,435Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: note-rancher6 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Dental
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634803
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 4.24%  
Term: 36 months  
 
Lender yield: 12.59% Borrower rate/APR: 13.59% / 17.19% Monthly payment: $203.87
 
Lender servicing fee: 1.00% Effective Yield*: 12.38%  
Estimated return*: 8.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1976 Debt/Income ratio: 34%
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 19Length of status:20y 2m
Amount delinquent: $0 Total credit lines: 71 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $61,415Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: impeccable-dedication8 Borrower's state: Delaware Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation &amp; wedding
Purpose of loan: Debt consolidation & wedding
This loan will be used to... pay off 2 bills and complete daughter's wedding

My financial situation:
I am a good candidate for this loan because...We pay our bills. I did not include my husbands income, jut mine. I was raised to honor your promises and pay what you owe. I have alwayd done that.


Monthly net income: $2748 + 1000 additional each quarter
Monthly expenses: $
Housing: $962, husband pays
Insurance: $200
Car expenses: $200 gas; no monthly payment
Utilities: $ 300
Phone, cable, internet: $250
Food, entertainment: $300
Clothing, household expenses: $350
Credit cards and other loans: $150
Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634893
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*: 13.75%  
Term: 36 months  
 
Lender yield: 27.39% Borrower rate/APR: 28.39% / 32.33% Monthly payment: $166.30
 
Lender servicing fee: 1.00% Effective Yield*: 26.14%  
Estimated return*: 12.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1999 Debt/Income ratio: 12%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 19 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,896Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: Ktodd Borrower's state: California Borrower's group: LendersClub
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 Credit cards

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


Monthly net income: $ 7500
Monthly expenses: $ 6000.00
Housing: $3900
Insurance: $100.00
Car expenses: $500.00
Utilities: $175.00
Phone, cable, internet: $150.00
Food, entertainment: $575
Clothing, household expenses: $50.00
Credit cards and other loans: $450.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635193
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: D Listing Duration: 14 days
Minimum Amount to Fund: $12,000 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.24% Borrower rate/APR: 23.24% / 27.06% Monthly payment: $466.02
 
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): 3 First credit line: Nov-2000 Debt/Income ratio: 54%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,180Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: MA-Moonwalk Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 56 ( 97% ) 660-679 (Latest)
Principal borrowed: $15,000.00< 31 days late: 2 ( 3% )  
640-659 (Jan-2012)
640-659 (Feb-2011)
700-719 (Jan-2010)
680-699 (Jun-2008)
 
Principal balance: $4,441.57 31+ days late: 0 ( 0% )
Total payments billed: 58  
Description
Business Expansion
Purpose of loan:
This loan will be used to... Buying new equipment, payoff other Prosper loan, payoff 3x credit cards

My financial situation:
I am a good candidate for this loan because... I have lots of income from multi jobs, Business is very good & expanding! Paid off other Prosper loan early, will have no problem making this monthly payment and plan to payoff this loan in 16-24 months.


Monthly net income: $3800
Monthly expenses....
Housing: $0 (live w/ parents)
Insurance: $150 (car)
Car expenses: $345
Utilities: $0
Phone, cable, internet: $65 (cell phone)
Food, entertainment: $100 (wife covers most food expenses)
Clothing, household expenses: $40
Credit cards and other loans: $700 (will drop to $300 after other Prosper loan payoff + 3x credit card payoff's from this loan.)
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635443
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $482.18
 
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: May-1978 Debt/Income ratio: 26%
Credit score: 780-799 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 33 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,999Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: a-thorough-principal 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
Medical/Dental
Purpose of loan:
I need to be able to assist a family member with medical expenses as they are in need of surgery.

My financial situation:
I am a good candidate for this loan because.I have been employed continuously throughout my adult life. I have been a teacher for 21 years and a school administrator for 14 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635481
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 5.49%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 19.65% Monthly payment: $123.03
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
Estimated return*: 9.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-2000 Debt/Income ratio: 18%
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 15 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,055Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: dough-collector392 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:
This loan will be used to...consolidate credit cards,pay for daughters vollyball

My financial situation: very good
I am a good candidate for this loan because...I have a steady and reliable work history,I pay my bills on time and would be open to having the monthly loan payment automaticly deducted from my account each month.Wife also works and pays all housing costs.So please deduct that cost from my monthly expenses,but do have my own home.


Monthly net income: $3000.00
Monthly expenses: $
Housing: $1417.00
Insurance: $housing ins.included in monthly housing payment,car ins.95.00
Car expenses: oil change 48 every three months
Utilities: $250.00
Phone, cable, internet: $78
Food, entertainment: $200.00 a week for groceries and 75 a month entertainment
Clothing, household expenses: $clothing,sesonal250 every three to six months
Credit cards and other loans: $credit cards 200.00 a month,3 cards total,car payment 193.00
Other expenses: $40.00 a month saxaphone payment for sons school
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635511
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 13.75%  
Term: 12 months  
 
Lender yield: 21.54% Borrower rate/APR: 22.54% / 30.46% Monthly payment: $187.71
 
Lender servicing fee: 1.00% Effective Yield*: 20.57%  
Estimated return*: 6.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-1999 Debt/Income ratio: 11%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:22y 6m
Amount delinquent: $0 Total credit lines: 21 Occupation: Fireman
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $477Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 79%  
   Homeownership: No  
Screen name: orange-adventurous-rupee Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Alternate Transportation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635513
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: $16,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $11,550 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $586.55
 
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: Aug-2009 Debt/Income ratio: 17%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:7y 2m
Amount delinquent: $0 Total credit lines: 7 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,625Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: order-candy671 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 consolidate debt and build up my credit score from current 720 EX and 756 TU for better rates for our first house.

My financial situation:
I am responsible financial Professional with CPA who is getting married soon and want to consolidate debt to make sure our common family finances are well structured. I would like to decrease debt/equity ratio on the credit cards (currently at 22%) and apply for a better mortgage rate for a first house. I have never been late on my bills.


Monthly net income: $6000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635561
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 9.25%  
Term: 60 months  
 
Lender yield: 24.73% Borrower rate/APR: 25.73% / 28.32% Monthly payment: $268.03
 
Lender servicing fee: 1.00% Effective Yield*: 24.12%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1994 Debt/Income ratio: 20%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:12y 3m
Amount delinquent: $0 Total credit lines: 56 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $366Stated income:$25,000-$49,999
Delinquencies in last 7y: 55 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: dreamer810 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Other
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635579
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*: 8.49%  
Term: 60 months  
 
Lender yield: 23.98% Borrower rate/APR: 24.98% / 27.55% Monthly payment: $234.72
 
Lender servicing fee: 1.00% Effective Yield*: 23.41%  
Estimated return*: 14.92%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-2000 Debt/Income ratio: 30%
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:12y 1m
Amount delinquent: $0 Total credit lines: 15 Occupation: Homemaker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $948Stated income:$25,000-$49,999
Delinquencies in last 7y: 12 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: balance-burrito 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
Debt consolidation
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635743
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $482.18
 
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): 9 First credit line: Jul-1998 Debt/Income ratio: 11%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:7y 2m
Amount delinquent: $213 Total credit lines: 13 Occupation: Flight Attendant
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $343Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: valiant-bonus0 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
Business
Purpose of loan:
This loan will be used to...fund the transfer of an established business. Allowing me to own a thriving small business that currently produces 7.000 per week. i would be able continue to manage the business that has the potential to increase sales to 400,000. The store is in a very busy commercial area near a university, a community college and major youth sports complexes. It has established catering accounts that have been established since 2004. The seller needs to sell due to an increase his his personal businesses and his lack of time to manage this small portion of his portfolio. I would not qualify to open a business from the ground up since I would need a minimum of 250,000,

My financial situation:
I am a good candidate for this loan because... I have a salary that allows me to maintain my lifestyle without having to rely on pulling funds from the business. I am attempting to become a business owner to further secure my future, I have managed a thriving small business with 30 employees for three years in the past. I left that position due to a family relocation. I have a stable position now that permits me time to focus on marketing should my loan be funded to increase sales and customer service/relations.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635781
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-1990 Debt/Income ratio: 13%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,093Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: virtuous-contract8 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 pay off credit cards. We would like to pay off credit cards in a debt consolidation loan so we may have some extra funds to use to do some work on house so we may list it and get into a better school district as our children are getting ready to enter middle school

My financial situation:
I am a good candidate for this loan because I have a long term history of making payments on time, paying off any loan I have had and am committed to having a good credit score.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635845
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 6.24%  
Term: 60 months  
 
Lender yield: 20.81% Borrower rate/APR: 21.81% / 24.30% Monthly payment: $275.11
 
Lender servicing fee: 1.00% Effective Yield*: 20.32%  
Estimated return*: 14.08%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1982 Debt/Income ratio: 20%
Credit score: 660-679 (Aug-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 11 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,298Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 113%  
   Homeownership: No  
Screen name: cash-lyrics 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: 0 / 1 On-time: 13 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,600.00< 31 days late: 0 ( 0% )  
680-699 (Jan-2010)
 
Principal balance: $0.56 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...consolidate my student loans and credit cards.

My financial situation:
I am a good candidate for this loan because...I have previously borrowed and paid back well in advance on this site. I make good money and just want to end long standing debt dating back to college.


Monthly net income: $4,500
Monthly expenses: $4,000
Housing: $1,000
Insurance: $200
Car expenses: $1,000
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $500
Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635859
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: B Listing Duration: 14 days
Minimum Amount to Fund: $12,250 Estimated loss*: 4.74%  
Term: 60 months  
 
Lender yield: 17.97% Borrower rate/APR: 18.97% / 21.39% Monthly payment: $453.67
 
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: Oct-1993 Debt/Income ratio: 21%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 21Length of status:15y 1m
Amount delinquent: $0 Total credit lines: 56 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,862Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: calm-power6 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635871
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.24% Borrower rate/APR: 23.24% / 27.06% Monthly payment: $116.50
 
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): 6 First credit line: Sep-1994 Debt/Income ratio: 12%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 8 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $325Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: wheel128 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to... consolidate my debt of payday loans. I have gotten into a cycle of using a payday loan to pay off another payday loan. If I can pay all of them off and just make one payment to one lender it would allow me to financially get back on my feet.

My financial situation:
I am a good candidate for this loan because... I am stable with my job, I am the lead workers compensation rep for a large hospital and medical association. I just happened to get into a cycle of payday loans. I only have $219 more dollars on my student loan and my car payments to my father are only $153 a month. The rest of my bills are literally the total of the payday loans.


Monthly net income: $1456
Monthly expenses: $500
Housing: $425
Insurance: $60
Car expenses: $150
Utilities: $60
Phone, cable, internet: $0
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $500
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636255
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 4.24%  
Term: 36 months  
 
Lender yield: 12.59% Borrower rate/APR: 13.59% / 17.19% Monthly payment: $67.96
 
Lender servicing fee: 1.00% Effective Yield*: 12.38%  
Estimated return*: 8.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1994 Debt/Income ratio: Not calculated
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:8y 3m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,916Stated income:$1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: TheGiant Borrower's state: Florida Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 39 ( 100% ) 640-659 (Latest)
Principal borrowed: $3,200.00< 31 days late: 0 ( 0% )  
660-679 (Jun-2011)
(Mar-2006)
 
Principal balance: $1,356.70 31+ days late: 0 ( 0% )
Total payments billed: 39  
Description
Refinance loan and Education
Thank you for considering my listing. This is my third Prosper loan. I plan to use this loan, to refinance the remainder of my second Prosper loan I borrowed a year ago, so that I may lower the interest rate, and lower the payments. Also, some of the remainder, will be used towards some certification testing for my career.

I have two sources of income, totaling about $1200 a month. I have a roommate who is employed and he covers half of the bills.

I recently cut out, all unnecessary entertainment expenses.

My current Prosper loan has $1,368.28 remaining of a $2000 loan @ 23.99% which is $78.46 per month.

Our rent is low, $500 total ($250 each per month)
I just negotiated a lower cable and Internet bill $89 (about $44.50 each per month)
Electric bill varies of course, but it's around $200 ($100 each per month)

My total for rent, utilities, and cable/Internet is $394.50
Add to that, my other Prosper loan $472.96 for my half of bills, and that was before I renegotiated my cable bill, it was almost $70 dollars more.

Now you can see, given the opportunity, why I would want to refinance the remainder of my loan,
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636411
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.21%  
* 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: Aug-1988 Debt/Income ratio: 50%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,686Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: promiser458 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
Money To Catch Up and a Trip
Purpose of loan:
This loan will be used to catch up on some of my bills and pay for a school trip for my son.

My financial situation:
I am a good candidate for this loan because I have a good credit rating and I pay my bills on time. I have a good job. The money from my job helps pay for extras around our house, like vacations, dinners out, clothes, etc. My total household income is close to $90,000 a year.


Monthly net income: $1500-2000
Monthly expenses: $1500
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $900
Other expenses: $300
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636447
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 3.74%  
Term: 36 months  
 
Lender yield: 11.49% Borrower rate/APR: 12.49% / 15.32% Monthly payment: $66.90
 
Lender servicing fee: 1.00% Effective Yield*: 11.45%  
Estimated return*: 7.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-2006 Debt/Income ratio: 35%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 27 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: currency-voyage2 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 12 ( 100% ) 740-759 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
720-739 (Mar-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Household Expenses
Purpose of loan:
This loan will be used to pay for my household expenses for a month or so while I pursue a higher paying position. Last year when I borrowed money I had no relevant work experience--now, a year later, I do, and am looking for a higher paying position with more responsibility.

My financial situation:
I am a good candidate for this loan because I've previously paid off a previous prosper loan of twice this principal amount ($4,000.00), and the same terms (3 years) in a year. Yeah, I recently graduated with an MBA in Finance a year ago, have been employed for a year, and have no credit card debt, but the most important thing for you to know is that I've borrowed even more money from Prosper and paid it all back.


Monthly net income: $2,000.00
Monthly expenses: $
Housing: $400.00
Insurance: $0
Car expenses: $0
Utilities: $50.00
Phone, cable, internet: $0
Food, entertainment: $500.00
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636461
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 4.74%  
Term: 36 months  
 
Lender yield: 13.59% Borrower rate/APR: 14.59% / 18.21% Monthly payment: $344.65
 
Lender servicing fee: 1.00% Effective Yield*: 13.36%  
Estimated return*: 8.62%  
* 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-1986 Debt/Income ratio: 26%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:24y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,866Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: gain-conga8 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to... consolidat\e debt and home improvement costs.

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


Monthly net income: $ 2,658.06
Monthly expenses: $ 1200.00
Housing: $ 0 Condo is paid in full
Insurance: $ 135.00/ home insurance
Car expenses: $ 190.00 gas and insurance premiums
Utilities: $ 75.00
Phone, cable, internet: $ 250.00
Food, entertainment: $ 200.00
Clothing, household expenses: $ 200.00
Credit cards and other loans: $ 250.00
Other expenses: $ 186.00 / HOA fees
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636641
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: A Listing Duration: 14 days
Minimum Amount to Fund: $8,000 Estimated loss*: 2.99%  
Term: 60 months  
 
Lender yield: 13.86% Borrower rate/APR: 14.86% / 17.18% Monthly payment: $189.73
 
Lender servicing fee: 1.00% Effective Yield*: 13.81%  
Estimated return*: 10.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jun-2003 Debt/Income ratio: 29%
Credit score: 700-719 (Aug-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 12 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,365Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: coin-flag 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: 0 / 1 On-time: 24 ( 100% ) 700-719 (Latest)
Principal borrowed: $2,150.00< 31 days late: 0 ( 0% )  
720-739 (Jun-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Independence or Bust!
This is a request for a $8,000 loan that will be used to help me consolidate my debt by paying the moderate amount I have remaining, fund start-up costs for living in an apartment for the first time, and keep a base fund in the event of emergencies.

You may remember a few years back when I requested a loan to help me consolidate a few different debts. I successfully repaid that loan and ? after little over two years ? halved my debt, even with my continued spending. Most of the debt I had accumulated throughout the years came from excessive dining out and social outings, and I feel the root cause of the problem is personal issues at home; I realize now that much of the debt I had created came from avoiding the home environment.

At the time I created my last listing in 2010, I worked two jobs. I have worked two jobs most of my adult life. Right now, I work for a contact center as a remote agent. Although I am technically on as part-time (30 hours per week), I regularly work 50 hours per week by picking up hours from co-workers and overtime opportunities due to short staffing. In fact, there were two weeks in July that I worked 74 hours; another week was 65 hours. Since I work from home, it's very easy to work whatever schedule is required to meet my financial goals for the month.

The budget I have planned is as follows:

Rent
499.00

Gas/Fuel
40.00

Phone/Internet
122.99

Laundry
20.00

Electric/Gas
105.28

Food
100.00

Health Insurance (PCIP)
183.00

Debt Repayment
189.73

=========================================

Total Expense
1260.00

Total Income - ($9 per hour, assuming an effective take-home of 80% of every dollar; assumption is made that I'll work 160 regular hours, 10 overtime hours in a month)
1260.00


By using powerful software like Quicken to plan my budget, view trends, and coordinate debt repayment, I have learned the importance of charging to a credit card only what I can afford to pay off entirely on the next bill cycle. I only recently took advantage of credit card grace periods and have played the system so well that I never pay interest anymore.

The income figure shown above assumes that I work 42.5 hours per week. Given my track record of consistently pulling 10 hours of overtime per week on average, it is highly likely I'll exceed that; however, I have ?overplanned? in this outline to give myself some latitutde; the income doesn't take into account bonuses and performance incentives. Additionally, after transitioning to my own abode, it is highly probable that I will start working a second job since I will have plenty of time to myself. I plan setting aside one full year to repay as much of this debt as possible ahead of time while building an even higher base fund and planning an education.

As you can see by reviewing my credit information, I take my commitments very seriously. I completely understand that we both are taking big risks here; I am trying to fund moving out for the first time with credit, and investors are being asked to spend on someone who has a history of debt and a relatively low income. I am forced to admit that this is the largest ?purchase? I have ever tried to make, but I believe that I am making an investment too; a good home leads to happiness, and happiness leads to self-actualization and fulfillment. If there was ever a worthy purchase to be made on a credit card or loan, this is it - I've found it!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636785
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 9.25%  
Term: 60 months  
 
Lender yield: 24.73% Borrower rate/APR: 25.73% / 28.32% Monthly payment: $119.12
 
Lender servicing fee: 1.00% Effective Yield*: 24.12%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1991 Debt/Income ratio: 14%
Credit score: 740-759 (Aug-2012) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: tenacious-deal119 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home expenses, personal 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: $12,000
Monthly expenses: $775-800
Housing: $450.00(room mate)
Insurance: $0
Car expenses: $0
Utilities: $50.00
Phone, cable, internet: $75.00(room mate)
Food, entertainment: $75.00
Clothing, household expenses: $50.00 + as needed
Credit cards and other loans: $550
Other expenses: $25 monthly Metrocard
montly medicine $49.95
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636795
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $225.02
 
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: Aug-1993 Debt/Income ratio: 21%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 22 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,399Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: income-proton1 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 24 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
740-759 (Aug-2010)
 
Principal balance: $1,538.50 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Medical/Dental
Purpose of loan:
This loan will be used to pay off my medical bills acquired due to extensive back surgery earlier in the year. Having 13 different bills coming in from everyone associated with the surgery, and then with my stay in a convalescent home is just overwhelming. I wish to consolidate it all with my friends at Prosper.

My financial situation:
I am a good candidate for this loan because I WANT to pay what I owe. I have shown I am a good candidate for a loan because I took one out to cover the cost of my roof and have never been late with a payment. I always honor my commitments!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636827
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $126.08
 
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: Jun-1995 Debt/Income ratio: 10%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 13 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $99Stated income:$1-$24,999
Delinquencies in last 7y: 27 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: unassuming-peso8 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Multi-purpose loan
Purpose of loan:
This loan will be used to...
Pay back taxes, buy a good used cash car, and hopefully have a little left for a cushion

My financial situation:
I am a good candidate for this loan because...
I intend on paying it back.


Monthly net income: $1400 approximately
Monthly expenses: $625
Housing: $300
Insurance: $40 approximate amount for auto liabilty if I get the loan
Car expenses: $not sure yet
Utilities: $0 included in rent
Phone, cable, internet: $50
Food, entertainment: $200 approximately
Clothing, household expenses: $10
Credit cards and other loans: $25
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636837
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: $10,500 Estimated loss*: 1.99%  
Term: 12 months  
 
Lender yield: 6.04% Borrower rate/APR: 7.04% / 7.98% Monthly payment: $1,298.18
 
Lender servicing fee: 1.00% Effective Yield*: 6.04%  
Estimated return*: 4.05%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-2001 Debt/Income ratio: 13%
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 16 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,340Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 8%  
   Homeownership: No  
Screen name: orange-courteous-note9 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Large Purchases
Purpose of loan:
This loan will be used to...
I am in the process of purchasing a house in India and I have managed to save over the past couple of years around 85% of the amount. I need the remaining amount to close the registration for this house.

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

I do not have any other sources of debt like a car-loan and home mortgage. My credit score is good, i have a family and am relatively conservative and cautious in my spending habits.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636899
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-2004 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 8 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,992Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: No  
Screen name: calm-greenback148 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
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636903
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 6.24%  
Term: 60 months  
 
Lender yield: 20.81% Borrower rate/APR: 21.81% / 24.30% Monthly payment: $275.11
 
Lender servicing fee: 1.00% Effective Yield*: 20.32%  
Estimated return*: 14.08%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: May-2001 Debt/Income ratio: 47%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,793Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: point-rapture7 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 740-759 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
740-759 (Feb-2012)
 
Principal balance: $3,562.81 31+ days late: 0 ( 0% )
Total payments billed: 6  
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: $ 1,400
Monthly expenses: $ 200.00
Housing: $ 0
Insurance: $ 0
Car expenses: $ 0
Utilities: $ 0
Phone, cable, internet: $ 0
Food, entertainment: $ 0
Clothing, household expenses: $ 0
Credit cards and other loans: $ 200.00
Other expenses: $ 100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636937
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: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $787.91
 
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): 10 First credit line: Jul-1999 Debt/Income ratio: 13%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 36 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,857Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: yield-selector5 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
Purpose of loan:
This loan will be used to pay off higher-interest rate credit card loan amounts, and to consilidate the payments into single-one and pay-off fastly.

My financial situation:
I am a good candidate for this loan because I am a senior software programmer working in a good company with a decent salary. I could definetly clear this loan amount in 3 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636941
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: $18,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $12,600 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $578.61
 
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): 9 First credit line: Aug-2002 Debt/Income ratio: 18%
Credit score: 740-759 (Aug-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:4y 2m
Amount delinquent: $0 Total credit lines: 25 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,481Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: benjamins-buddy7 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to finish my rehab so I can refinance.

My financial situation:
I am a good candidate for this loan because my credit is great and I pay all my bills on time
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636975
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $149.04
 
Lender servicing fee: 1.00% Effective Yield*: 18.74%  
Estimated return*: 10.75%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1977 Debt/Income ratio: 22%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 34 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,920Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: Yes  
Screen name: coin-sherpa7 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical payments
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $108.07
 
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: Aug-2011 Debt/Income ratio: 8%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 4 Occupation: Student - College J...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $689Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: No  
Screen name: platinum-fuse2 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
Large Purchases
Purpose of loan: Finance large household items to be used for personal and business use.
This loan will be used to...

Finance additional key items for success in further employment and household items such as a new laptop computer, a new desktop computer, a new cell phone and gathering additional money for a trip.

My financial situation:
Steady with part time employment.


Monthly net income: ~$2000
Monthly expenses: See below
Housing: $0
Insurance: $100
Car expenses: $300
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: Credit cards are paid in full every month. Min payments = $60/month
Other (Unexpected) expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637075
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*: 13.75%  
Term: 12 months  
 
Lender yield: 21.54% Borrower rate/APR: 22.54% / 30.46% Monthly payment: $375.42
 
Lender servicing fee: 1.00% Effective Yield*: 20.57%  
Estimated return*: 6.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jun-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 19 / 15Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 53 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,100Stated income:$50,000-$74,999
Delinquencies in last 7y: 20 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: caelyn Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 36 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
660-679 (Jul-2011)
640-659 (Mar-2010)
540-559 (Jul-2008)
540-559 (May-2008)
 
Principal balance: $2,964.20 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Vacation
Purpose of loan:
This loan will be used to...take my family on a well deserved vacation. Last January my husband was diagnosed with cancer, now nine months later he just got a clean bill of health! I have a seven and five year old that would love to go to Disney and with all we have been thru in the last nine months I am trying to find a way to make it happen.

My financial situation:
I am a good candidate for this loan because...I have had two other loans with Prosper and have never had a late or missed payment. I have worked really hard to rebuild my credit from when I started my own business five years ago and had some financial set backs.


Monthly net income: $4000
Monthly expenses: $1050
Housing: $0
Insurance: $159
Car expenses: $100
Utilities: $0
Phone, cable, internet: $165
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $376
Other expenses: $
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637267
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $190.93
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 11.23%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1982 Debt/Income ratio: 30%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 28 / 27Length of status:2y 6m
Amount delinquent: $9,142 Total credit lines: 49 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,883Stated income:$50,000-$74,999
Delinquencies in last 7y: 46 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: sturdy-transparency1 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off old debt. I completed the the Dave Ramsey course over one year ago and have paid off all my current credit card debt. I am still working through the debt payment part of the course and I have some delinquencies on old credit card debt that I incurred as a student. I am at the point now, after paying off all my current credit cards that I am able to pay off all the old delinquencies. This loan will be used to pay them all off in full and help improve my credit so I can purchase a home in the near future.

My financial situation:
I am a good candidate for this loan because I have a great job and have the financial discipline to pay the loan on time. I was promoted within 10 months of starting my job and have received a raise every year since beginning the job. The Dave Ramsey course gave me the tools to take control of my finances and I paid off all my current credit cards within 1 year. I currently have student loan debt. My parents are paying the student loan debt for me for the next 5 years so I can finish paying off my old credit card debt and save for a down payment. I currently have no monthly payments for loans or credit card debt.

Monthly net income: $2916.00
Monthly expenses: $
Housing: $610.00
Insurance: $127.00
Car expenses: $250.00
Utilities: $0.00
Phone, cable, internet: $0.00
Food, entertainment: $200.00
Clothing, household expenses: $200.00
Credit cards and other loans: $0.00
Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637291
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*: 7.49%  
Term: 36 months  
 
Lender yield: 18.39% Borrower rate/APR: 19.39% / 23.12% Monthly payment: $552.80
 
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): 5 First credit line: Aug-1993 Debt/Income ratio: 30%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:16y 0m
Amount delinquent: $0 Total credit lines: 47 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,841Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: No  
Screen name: seeking12 Borrower's state: Ohio Borrower's group: Military Veterans helping eachother.
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 / 4 On-time: 58 ( 98% ) 640-659 (Latest)
Principal borrowed: $20,626.00< 31 days late: 1 ( 2% )  
680-699 (Mar-2011)
660-679 (Aug-2008)
700-719 (Mar-2008)
660-679 (Oct-2006)
 
Principal balance: $2,955.24 31+ days late: 0 ( 0% )
Total payments billed: 59  
Description
Debt consolidation
Purpose of loan:
This loan will be used to... Consolidate my debt and pay for dental expenses incurred for dental surgery

My financial situation:
I am a good candidate for this loan because I have had several loans with Prosper and have repaid them and the current loan is current and will be paid before the terms of the loan end. In addition, my expenses are less than my income. I also receive a military pension.


Monthly net income: $5,175
Monthly expenses: $1000
Housing: $1349
Insurance: $100
Car expenses: $475
Utilities: $480
Phone, cable, internet: $75
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637309
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 12.64% Borrower rate/APR: 13.64% / 15.94% Monthly payment: $577.05
 
Lender servicing fee: 1.00% Effective Yield*: 12.59%  
Estimated return*: 10.10%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1982 Debt/Income ratio: 28%
Credit score: 780-799 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 11Length of status:28y 3m
Amount delinquent: $0 Total credit lines: 71 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,783Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: rupee-chooser827 Borrower's state: RhodeIsland 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: Septic System Upgrade
This loan will be used to...
We were in the process of remodelling and adding an addition when we found out that we would have to replace our outdated septic system. Work that was started has now been stalled and we can't proceed with the project until the new tank and leach field are installed. We'd planned for unexpected cost overruns as part of the remodel project...but not an additional $20,000+ for a septic system!!

I am a good candidate for this loan because...
Just check my 30-year credit history. Not a single late payment, ever. Appreciate your help in getting us by this hiccup in our remodelling plans. All goes well, we can be back on track in time to host Thanksgiving dinner!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637315
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,300.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $10,010 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $450.69
 
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: Jan-1972 Debt/Income ratio: 37%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 34 / 34Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 53 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $54,541Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: momentous-fund880 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off credit card debt, much of which was incurred during the time period from late 2008 until 2011 when I was under employed (part time, unemployed, etc.)

My financial situation:
I am a good candidate for this loan because I am current on my debt but am not able to significantly reduce balances because of interest charges. I will pay off the highest interest cards and retire them from further use. By getting this loan I should also save about $125.00 a month as a result od paying off cards and not having to pay the $50 to $100 per month that I normally pay per card each month. with this extra money, I can pay down other debts quicker.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637339
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 6.24%  
Term: 60 months  
 
Lender yield: 20.81% Borrower rate/APR: 21.81% / 24.30% Monthly payment: $96.29
 
Lender servicing fee: 1.00% Effective Yield*: 20.32%  
Estimated return*: 14.08%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1994 Debt/Income ratio: 26%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:15y 9m
Amount delinquent: $0 Total credit lines: 34 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,089Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: workerbee1056 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 56% ) 680-699 (Latest)
Principal borrowed: $25,000.00< 31 days late: 16 ( 44% )  
660-679 (Jun-2012)
660-679 (Nov-2010)
720-739 (Oct-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36  
Description
Household Expenses
Purpose of loan:
Consolidate a few bills (medical) and have reserve set aside for emergency fund

My financial situation:
I am a good candidate for this loan because...I have managed to stay gainfully employed by the same employer for 16 years and have been responsibly paying my bills on time. I need to make sure I am set up to be debt free in 5 years, so need some breathing room. Would like to consolidate high interest credit card and set aside a rainy day fund.

Thanks for the consideration.


Monthly net income: $4500
Monthly expenses: $3380.00
Housing: $550
Insurance: $150
Car expenses: $580
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $600
Clothing, household expenses: $100
Credit cards and other loans: $400
Other expenses: $600
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637393
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*: 2.49%  
Term: 60 months  
 
Lender yield: 12.64% Borrower rate/APR: 13.64% / 15.94% Monthly payment: $403.94
 
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-2004 Debt/Income ratio: 15%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,484Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: competitor699 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637399
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*: 0.74%  
Term: 36 months  
 
Lender yield: 6.24% Borrower rate/APR: 7.24% / 8.58% Monthly payment: $774.67
 
Lender servicing fee: 1.00% Effective Yield*: 6.24%  
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: Oct-1971 Debt/Income ratio: 15%
Credit score: 820-839 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:22y 5m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,180Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: souffle660 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
Consolidation loan
Purpose of loan:
To consolidate my debt- I would pay off - American Express 18,000 @ 15%, Chase 2,000 @ 14.5% and Discover Card 4,500 at 15.4%

My financial situation:
I am a good candidate for this loan because I have been at my current employer for 21+ years and per contract will continue to receive annual raises and bonuses for at least the next 4 years
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637411
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: $9,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.49% Borrower rate/APR: 24.49% / 28.34% Monthly payment: $375.16
 
Lender servicing fee: 1.00% Effective Yield*: 22.91%  
Estimated return*: 11.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1993 Debt/Income ratio: 36%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $80,399Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: No  
Screen name: plentiful-rupee6 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...
I will use this loan to help pay off my credit card debt from graduate school.

My financial situation:
I am a good candidate for this loan because...
I am a responsible young professional who works hard and would like to pay off my debt and start saving to buy a home. I hold a Doctorate.


Monthly net income: $5200
Monthly expenses: $
Housing: $1800
Insurance: $100
Car expenses: $0
Utilities: $25
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $1800
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637513
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jun-1996 Debt/Income ratio: 40%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 6Length of status:22y 1m
Amount delinquent: $8,415 Total credit lines: 21 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,175Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: repayment-clarinet9 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
Debt consolidation
Purpose of loan:
This loan will be used to... Payoff two of my credit cards with very high interest rates

My financial situation:
I am a good candidate for this loan because... Once I payoff the credit cards I will be debt free. The loan will be repaid back in a timely manner without any concerns. I am a very trustworthy person and will not late with any payments.


Monthly net income: $2600
Monthly expenses: $
Housing: $900
Insurance: $82
Car expenses: $
Utilities: $95
Phone, cable, internet: $100
Food, entertainment: $150
Clothing, household expenses: $150
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637573
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*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $288.18
 
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): 4 First credit line: Jun-2002 Debt/Income ratio: 31%
Credit score: 680-699 (Aug-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 17 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,834Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: Yes  
Screen name: forthright-credit560 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 5 ( 83% ) 680-699 (Latest)
Principal borrowed: $3,000.00< 31 days late: 1 ( 17% )  
740-759 (Feb-2012)
 
Principal balance: $610.08 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...im going to use this loan to pay off my prior prosper loan and all credit cards to get out of debt and help my credit score.
i had an operation and was off work for the last three weeks but i still get unemployement,this money will help with hospital bills.

Monthly net income: $1650
Monthly expenses: $50
Housing: $600
Insurance: $pd
Car expenses: $0
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $food stamps 300 mth
Clothing, household expenses: $25
Credit cards and other loans: $7000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637621
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: $18,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $12,950 Estimated loss*: 3.99%  
Term: 60 months  
 
Lender yield: 16.28% Borrower rate/APR: 17.28% / 19.66% Monthly payment: $462.56
 
Lender servicing fee: 1.00% Effective Yield*: 16.21%  
Estimated return*: 12.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-2000 Debt/Income ratio: 17%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 4Length of status:16y 1m
Amount delinquent: $0 Total credit lines: 26 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,677Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: noble-pound8 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: 1 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
640-659 (Mar-2012)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate credit payments

My financial situation:
I am a good candidate for this loan because I pay my bills on time and will have this paid back early
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 614034
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 12.75%  
Term: 60 months  
 
Lender yield: 29.57% Borrower rate/APR: 30.57% / 33.30% Monthly payment: $65.41
 
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: Aug-2005 Debt/Income ratio: 20%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 24 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: tornado850 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,500.00< 31 days late: 0 ( 0% )  
640-659 (May-2012)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate some small debts to lower payments and help me while I finish my degree.

My financial situation:
I am a good candidate for this loan because I have a secure job and I am committed to paying down my bills the proper way.


Monthly net income: $1400
Monthly expenses: $
Housing: $599
Insurance: $
Car expenses: $40
Utilities: $
Phone, cable, internet: $30
Food, entertainment: $100
Clothing, household expenses: $
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 615068
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 6.24%  
Term: 60 months  
 
Lender yield: 20.81% Borrower rate/APR: 21.81% / 24.30% Monthly payment: $137.55
 
Lender servicing fee: 1.00% Effective Yield*: 20.32%  
Estimated return*: 14.08%  
* 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-1998 Debt/Income ratio: 20%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 18 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,821Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: glimmering-community916 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
Household Expenses
Purpose of loan:
This loan will be used to Pay off debt and use for auto repair and home repair needed asap.

My financial situation:
I am a good candidate for this loan because I have stable work history and good credit. I have also a home owner, who has never missed a payment. I live in a Rambler style home which I rent out one side for 800 monthly, I am a responsible Father of three and a hard worker. Please consider my application


Monthly net income: $2700 Including 800 month I recieve from Rental
Monthly expenses: $300
Housing: $576
Insurance: $110
Car expenses: $140
Utilities: $142
Phone, cable, internet: $42
Food, entertainment: $225
Clothing, household expenses: $25
Credit cards and other loans: $187
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 622076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.24% Borrower rate/APR: 23.24% / 27.06% Monthly payment: $116.50
 
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): 2 First credit line: Oct-1989 Debt/Income ratio: 22%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 52 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,189Stated income:$25,000-$49,999
Delinquencies in last 7y: 24 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: velocity-blackberry 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 15 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
680-699 (May-2011)
 
Principal balance: $1,362.89 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off 2 credit cards and extra will be on car repair.

My financial situation:
I am a good candidate for this loan because...I have a current Prosper. com loan and I always pay on time for 13 months straight now.


Monthly net income: $2200.00
Monthly expenses:
Housing: $450.00
Insurance: $60.00
Car expenses: $100.00
Utilities: $70.00
Phone, cable, internet: $55.00
Food, entertainment: $250.00
Clothing, household expenses: $50.00
Credit cards and other loans: $300.00
Other expenses: $50.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 622916
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): 8 First credit line: Aug-1988 Debt/Income ratio: 23%
Credit score: 780-799 (Aug-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:24y 3m
Amount delinquent: $0 Total credit lines: 42 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,691Stated income:$100,000+
Delinquencies in last 7y: 15 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: determined-listing3 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off joint debt
Purpose of loan:
This loan will be used to pay off joint loan as part of a divorce agreement in lieu of alimony.

My financial situation:
I am a good candidate for this loan because I am a responsible, hard working individual who has received two promotions in the last two years because of my hard work and diligence.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 624190
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 9.25%  
Term: 60 months  
 
Lender yield: 24.73% Borrower rate/APR: 25.73% / 28.32% Monthly payment: $178.69
 
Lender servicing fee: 1.00% Effective Yield*: 24.12%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Aug-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $742Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: No  
Screen name: CA_fpob 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
Education Company Working Capital
Purpose of loan:
This loan will be used as working capital for a season business. College Apprentice is a private academic travel and competition company that selects US high school students to participate in international conferences, conventions, and competitions.
In August 2012, we selected, trained, and traveled with 12 highly talented students to a Model UN conference hosted in Beijing, China. This year, we are expanding our roster of programs to also include the National Journalism Convention (San Antonio/San Francisco), World Youth Economic Forum (Shanghai), and Venture to Lead Business Model Competition (Mumbai).

Financial situation:
Because programs largely take place in the summer, seasonality drastically affects cash flow. Last year, our proof of concept year, we had $50,000 in revenues and are projected for $200,000 this year on the assumptions of increasing our program offerings four fold. We are also in the process of negotiating exclusive rights to bring US students and schools with many of our partners.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 629570
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: Jan-1971 Debt/Income ratio: 10%
Credit score: 720-739 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 7Length of status:6y 10m
Amount delinquent: $0 Total credit lines: 21 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,275Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: green-innocent-credit 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
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 633024
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*: 13.75%  
Term: 36 months  
 
Lender yield: 27.39% Borrower rate/APR: 28.39% / 32.33% Monthly payment: $166.30
 
Lender servicing fee: 1.00% Effective Yield*: 26.14%  
Estimated return*: 12.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-1996 Debt/Income ratio: 12%
Credit score: 640-659 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 17 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,095Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: best-understanding-loot 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
Debt consolidation
Purpose of loan:
This loan will be used to consolidate an auto loan, pay off all back taxes owed, and to pay off all outstanding medical bills.

My financial situation:
I am a good candidate for this loan because as you can see by my credit report that I've not been late on any bills since 2010. I was permanently laid off from General Motors at the end of 2008. My taxes and some medical bills got behind while unemployed. I have started receiving a partial pension from GM at the end of 2010. I have regained permanent fulltime employment with Unison Industries, a division of GE Aviation, in July of 2010.


Monthly net income: $4,100
Monthly expenses: $100.00
Housing: $765.00
Insurance: $100.00
Car expenses: $185.00
Utilities: $300.00
Phone, cable, internet: $200.00
Food, entertainment: $600.00
Clothing, household expenses: $100.00
Credit cards and other loans: $300.00
Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 633192
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: Feb-1992 Debt/Income ratio: 14%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:15y 9m
Amount delinquent: $0 Total credit lines: 34 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,975Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: top-sophisticated-repayment 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
Other
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 633806
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.75%  
Term: 60 months  
 
Lender yield: 27.67% Borrower rate/APR: 28.67% / 31.34% Monthly payment: $473.12
 
Lender servicing fee: 1.00% Effective Yield*: 26.98%  
Estimated return*: 15.23%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Dec-1994 Debt/Income ratio: 15%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 4 / 4Length of status:7y 8m
Amount delinquent: $357 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,344Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: credible-repayment3 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 633828
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: C Listing Duration: 14 days
Minimum Amount to Fund: $12,000 Estimated loss*: 7.49%  
Term: 36 months  
 
Lender yield: 18.39% Borrower rate/APR: 19.39% / 23.12% Monthly payment: $442.24
 
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): 5 First credit line: Mar-2007 Debt/Income ratio: 25%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,145Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: worthy-truth087 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: 9 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,500.00< 31 days late: 0 ( 0% )  
660-679 (Nov-2011)
 
Principal balance: $4,494.57 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Refinance and revitalize
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 633840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,150 Estimated loss*: 2.74%  
Term: 36 months  
 
Lender yield: 9.34% Borrower rate/APR: 10.34% / 13.14% Monthly payment: $470.19
 
Lender servicing fee: 1.00% Effective Yield*: 9.31%  
Estimated return*: 6.57%  
* 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: Nov-1983 Debt/Income ratio: 39%
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 17Length of status:14y 8m
Amount delinquent: $0 Total credit lines: 38 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,221Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: best-dime-oracle 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 15 ( 100% ) 760-779 (Latest)
Principal borrowed: $8,200.00< 31 days late: 0 ( 0% )  
760-779 (Feb-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 15  
Description
Medical/Dental
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because I have never been late on any payments but I had a lot of medical bills this summer for my wife and daughter. I can put the bills on my Discover cards but would rather not.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 633872
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 21.18% Borrower rate/APR: 22.18% / 24.68% Monthly payment: $166.33
 
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): 3 First credit line: Aug-2006 Debt/Income ratio: 46%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 17 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,267Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: No  
Screen name: cash-chemistry669 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 31 ( 100% ) 720-739 (Latest)
Principal borrowed: $2,500.00< 31 days late: 0 ( 0% )  
700-719 (Nov-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 31  
Description
Debt consolidation
Purpose of loan: Pay off a credit card
This loan will be used to... pay off a credit card

My financial situation: New full time job with a large national nonprofit.
I am a good candidate for this loan because... I have already repaid one Prosper loan (early, I might add) and my credit score is almost "excellent."


Your investment in me will make you a superb return while helping a hard working individual.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 633876
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $787.91
 
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: Dec-1993 Debt/Income ratio: 18%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:18y 9m
Amount delinquent: $0 Total credit lines: 38 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,175Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: liberty-lion8 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
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634326
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $12,250 Estimated loss*: 1.74%  
Term: 60 months  
 
Lender yield: 11.08% Borrower rate/APR: 12.08% / 14.34% Monthly payment: $389.99
 
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: Feb-1996 Debt/Income ratio: 8%
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 38 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $59,945Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: Yes  
Screen name: payment-neutron9 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
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634916
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 5.99%  
Term: 60 months  
 
Lender yield: 20.24% Borrower rate/APR: 21.24% / 23.72% Monthly payment: $679.71
 
Lender servicing fee: 1.00% Effective Yield*: 19.88%  
Estimated return*: 13.89%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1993 Debt/Income ratio: 18%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:12y 0m
Amount delinquent: $0 Total credit lines: 9 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $36,674Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: neighborly-greenback2 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
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634944
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.75%  
Term: 36 months  
 
Lender yield: 28.69% Borrower rate/APR: 29.69% / 33.67% Monthly payment: $169.13
 
Lender servicing fee: 1.00% Effective Yield*: 27.38%  
Estimated return*: 12.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Feb-2003 Debt/Income ratio: 23%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 25 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,156Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: Yes  
Screen name: authoritative-responsibility4 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
10yrs of good credit
Purpose of loan:
This loan will be used to help with medical bills for my nephew

My financial situation:
I am a good candidate for this loan because i have had credit for over 10yrs, only 1 negative item from a student loan co-sign in jan and feb this year i cosigned it around 2006 and they did not have my current contact, i learnt of it from my credit report alerts.


Monthly net income: $3000-4000
Monthly expenses: $100
Housing: $300
Insurance: $50
Car expenses: $100
Utilities: $0
Phone, cable, internet: $50
Food, entertainment: $ 50
Clothing, household expenses: $ 50
Credit cards and other loans: $ 610
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635136
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.21%  
* 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: Jan-2001 Debt/Income ratio: 30%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 12 Current / open credit lines: 3 / 2Length of status:0y 6m
Amount delinquent: $1,235 Total credit lines: 58 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $2,036Stated income:$100,000+
Delinquencies in last 7y: 20 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: ShadowX Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Credit Rebuilding
Purpose of loan:

This loan is to help increase my credit score. I'm currently at a 645-675 depending upon the credit report, but I'm hoping to get that up to a consistent 675-700+ over the next year before I try to get a home loan.

My financial situation:

I'm currently making a lot more money than I've ever made in my life. I've been through a bankruptcy (Chap. 13) due to a long-story with an ex-wife and I'm trying to re-establish my credit before making some major credit commitments in the year to come. Both of my cars are paid in full (2006 & 2007 so still fairly reliable). I have only one small credit card (also for credit rebuilding purposes) which can only be used for medical / dental bills.


Monthly net income: $17,000
Monthly expenses: $6,308
Housing: $2700
Insurance: $190 (auto, rental policies, medical through employer)
Car expenses: $500 (gas, maintenance)
Utilities: $500 (gas, electric, water)
Phone, cable, internet: $300 (cell phone family plan, cable, internet)
Food, entertainment: $850 (food, netflix, other online services for entertainment/work)
Clothing, household expenses: $100
Credit cards and other loans: $68 (medical/dental card mentioned above)
Other expenses: $1100 (Pre-K for daughter, gym, business expenses such as website hosting)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635208
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Oct-2000 Debt/Income ratio: 66%
Credit score: 600-619 (Aug-2012) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 24 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,967Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: No  
Screen name: natural-fund7 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 600-619 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
740-759 (Dec-2011)
640-659 (Aug-2011)
780-799 (Apr-2010)
 
Principal balance: $13,649.53 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Debt consolidation
Purpose of loan: Credit card consolidation

I am a great candidate for this loan because I have a steady job and I have never missed a single payment on any bill. I also fully own my own house. I am utilizing this funding to consolidate credit card debt. My main expenses are:

Monthly car payment w/ gas : $440
Monthly utilities: $200
Monthly Prosper loan: $348
Monthly Student loans: $300

Thank you and I appreciate your kind consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635340
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 10.75%  
Term: 12 months  
 
Lender yield: 17.63% Borrower rate/APR: 18.63% / 26.48% Monthly payment: $1,379.70
 
Lender servicing fee: 1.00% Effective Yield*: 17.22%  
Estimated return*: 6.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Aug-2012) Inquiries last 6m: 5Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:16y 8m
Amount delinquent: $0 Total credit lines: 45 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,128Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: Yes  
Screen name: thoughtful-point119 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 740-759 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
820-839 (Mar-2012)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1  
Description
Business
Purpose of loan:
This loan will be used as working capital for our growing business.

My financial situation:
I am a good candidate for this loan because I have been employed by my current employer for 16 years, have very good credit, and a good income. I am excited by the recent growth in my business, which has come about due to my experience and my reputation for trustworthiness in my field.


Monthly net income: $10,000
Monthly expenses: $6,000
Housing: $800
Insurance: $500
Car expenses: $600
Utilities: $150
Phone, cable, internet: $250
Food, entertainment: $750
Clothing, household expenses: $200
Credit cards and other loans: $520 (student loans)
Other expenses: $2,230
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635366
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1994 Debt/Income ratio: 28%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 33 Occupation: Civil Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $19,673Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: friendly-trade048 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
Purpose of loan:
This loan will be used to...

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

I have the income to pay it back.
Monthly net income: $8900
Monthly expenses: $2500
Housing: $1980
Insurance: $75
Car expenses: $700
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $250
Other expenses: $
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635476
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.84% Borrower rate/APR: 26.84% / 29.46% Monthly payment: $456.60
 
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): 2 First credit line: Oct-1982 Debt/Income ratio: 24%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:18y 6m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,992Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: jb55 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 18 ( 100% ) 660-679 (Latest)
Principal borrowed: $17,000.00< 31 days late: 0 ( 0% )  
680-699 (Oct-2011)
640-659 (May-2008)
640-659 (Apr-2008)
660-679 (Mar-2008)
 
Principal balance: $7,315.10 31+ days late: 0 ( 0% )
Total payments billed: 18  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...paying off credit card debt

My financial situation: good
I am a good candidate for this loan because...I payed off my first prosper loan in 8 months.Im current on this loan,and with this loan maybe I can pay these off early too.


Monthly net income: $3000
Monthly expenses: $1940
Housing: $wife pays mortgage
Insurance: $200
Car expenses: $0
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $740Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635520
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: May-1996 Debt/Income ratio: 38%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 16Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 48 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,770Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: peace-renewal7 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..Remove unsecured debt.

My financial situation: Stable
I am a good candidate for this loan because I have stable employment through a financially established community hospital. I have been working wih this company for over four years and now attending college to expand my education for the needs of this hospital. I plan on continuing my employment with this hospital for many more years.


Monthly net income: $2400
Monthly expenses: $
Housing: $459
Insurance: $160
Car expenses: $300
Utilities: $150
Phone, cable, internet: $90
Food, entertainment: $200
Clothing, household expenses: $150
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635602
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.24% Borrower rate/APR: 23.24% / 27.06% Monthly payment: $504.85
 
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: Sep-1993 Debt/Income ratio: 55%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:10y 3m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $55Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: credit-farm293 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/Home Improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635634
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.84% Borrower rate/APR: 26.84% / 29.46% Monthly payment: $456.60
 
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): 5 First credit line: Jul-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Aug-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:8y 5m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,422Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: b4b42day Borrower's state: Maryland Borrower's group: Have Money - Will Bid
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 Loan- Grow Existing Biz
Purpose of loan:
This loan will be used to expand my small business.

My financial situation:
I am a good candidate for this loan. I have consistently paid my bills and have not been late on my bills. I pay on time consistently as well as my personal debts. Gross sales for my company for the past 3 years has been increasing steadily as the economy improves. I sincerely believe I am a good risk because I am expanding an existing business with over 10 years of expertise.

Thank you for reviewing my listing!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635700
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: $12,495.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $12,495 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $401.65
 
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: Jan-1993 Debt/Income ratio: 24%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 24 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,355Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: persistent-bazaar550 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 700-719 (Latest)
Principal borrowed: $15,500.00< 31 days late: 0 ( 0% )  
760-779 (Dec-2011)
 
Principal balance: $12,504.74 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Debt Consolidation
Purpose of loan: is to consolidate my payments into one payment
This loan will be used to...To pay off a few unfortunate expenditures to help my fathers business


My financial situation: is in great standing with an excellent credit score.
I am a good candidate for this loan because...I have a perfect track record for paying off all money I have borrowed in the past. I just finished paying off a 38, 000 car loan as well as a 20,000 car loan without missing any payments ever. All my credit cards have always been paid in full. I would like to pay in full the charges I have recently accrued on the credit cards and have one consolidated payment with a lower interest rate from Prosper.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635774
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1968 Debt/Income ratio: 8%
Credit score: 700-719 (Aug-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:8y 6m
Amount delinquent: $828 Total credit lines: 14Stated income:$50,000-$74,999
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,777 
Delinquencies in last 7y: 16 Bankcard utilization: 101%  
   Homeownership: Yes  
Screen name: GettingOnTheRightTrack 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/Plumbing Repair
The economy has been tough on my family, but we are bouncing back...

This loan will be used to consolidate debts and to take care of a major plumbing problem.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635842
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jun-1998 Debt/Income ratio: 35%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 53 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,666Stated income:$25,000-$49,999
Delinquencies in last 7y: 26 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: Bob252 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
Home improvement
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635930
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*: 6.24%  
Term: 60 months  
 
Lender yield: 20.81% Borrower rate/APR: 21.81% / 24.30% Monthly payment: $412.66
 
Lender servicing fee: 1.00% Effective Yield*: 20.32%  
Estimated return*: 14.08%  
* 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: Nov-2009 Debt/Income ratio: 28%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 9m
Amount delinquent: $0 Total credit lines: 5 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,342Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%  
   Homeownership: Yes  
Screen name: systematic-justice1 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: 6 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
740-759 (Jan-2012)
 
Principal balance: $9,356.90 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Debt consolidation
This loan will be used to pay off all my husbands medical bills. As a type-1 diabetic he has some serious health problems. His latest eye surguries and all the medications are added up. I want to be able to pay them all off and just have to deal with one payment to Prosper.

thanks in advance
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636010
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 4.99%  
Term: 60 months  
 
Lender yield: 18.47% Borrower rate/APR: 19.47% / 21.90% Monthly payment: $262.00
 
Lender servicing fee: 1.00% Effective Yield*: 18.15%  
Estimated return*: 13.16%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-2000 Debt/Income ratio: 17%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 12 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,533Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: top-engaging-cash Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Consolidate debt
This loan will be used to...
Pay off credit cards
My financial situation: employed
I am a good candidate for this loan because...
I am a single mom with 2 kids trying to pay off my credit cards. Consolidating them with a lower interest rate than I am currently paying would expedite that!

Monthly net income: $4000
Monthly expenses: $2965
Housing: $1200
Insurance: $0
Car expenses: $100
Utilities: $250
Phone, cable, internet: $115
Food, entertainment: $500
Clothing, household expenses: $200
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636076
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): 6 First credit line: Apr-1998 Debt/Income ratio: 19%
Credit score: 780-799 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 15Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,855Stated income:$100,000+
Delinquencies in last 7y: 7 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: healthy-worth560 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...

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


Monthly net income: $12,000
Monthly expenses: $8,000
Housing: $1,623.85
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636186
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $533.22
 
Lender servicing fee: 1.00% Effective Yield*: 15.52%  
Estimated return*: 9.53%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1999 Debt/Income ratio: 31%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 5Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,327Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: the-treasure-balance Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636194
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,000 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.84% Borrower rate/APR: 26.84% / 29.46% Monthly payment: $182.64
 
Lender servicing fee: 1.00% Effective Yield*: 25.20%  
Estimated return*: 14.95%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jun-1995 Debt/Income ratio: 34%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 6 Revolving credit balance: $1,449Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: No  
Screen name: wise-punctual-velocity Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
680-699 (Oct-2011)
 
Principal balance: $3,869.95 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Business
Purpose of loan: Business
This loan will be used to...seed money for a business venture.

My financial situation: Good
I am a good candidate for this loan because...I have helped start this company as a consultant 2 years ago, it has been bring in good income until owner decided to cut back (semi-retire) about 3 months ago. Website business has been created by me and ready to launch when I activate it. I have 25 years of management experience. Currently responsible for a 13.5 million dollar + business. Income below is from primary job, additional income comes in through consulting work that I do.


Monthly net income: $2200.00
Monthly expenses: $1060.00
Housing: $0
Insurance: $160
Car expenses: $100
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $400
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636236
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $22,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $15,400 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $707.20
 
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: Dec-1994 Debt/Income ratio: 34%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 9Length of status:15y 0m
Amount delinquent: $0 Total credit lines: 26 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,792Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: towering-velocity0 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Daughter wedding
Purpose of loan:
This loan will be used to help in the wedding expences of my daughter.

My financial situation:
I am a good candidate for this loan because ,I can assure that I will be paying my monthly
payments through direct withdrawal from my checking A/C with Citizens Bank.I am having
a perminant working position as Assistant Manager.I own my house, married for 30 years.
I have 3 daughters ,all of them has finished their college education. I have an additional
income of about $600.00 / month that can help me in this loan payment.
I can also provide all source of income needed.
hopefully this will help in your approval of the loan.
Best Regards &THANKS.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636240
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $6,000 Estimated loss*: 1.24%  
Term: 36 months  
 
Lender yield: 6.89% Borrower rate/APR: 7.89% / 9.23% Monthly payment: $187.71
 
Lender servicing fee: 1.00% Effective Yield*: 6.89%  
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: Jun-2004 Debt/Income ratio: 21%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,584Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: affluence-firestarter3 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:
This loan will be used to consolidate credit card debt accumulated as a student at a lower interest rate.

My financial situation:
I am a good candidate for this loan because I have a stable and growing career and a solid budget plan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636242
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $75.34
 
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-2011 Debt/Income ratio: 9%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 3 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $317Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: organized-gold7 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home/Self Improvement
Purpose of loan: Finance myself and my two children to move away from my abusive husband.

This loan will be used to pay 1st months rent , connect utilities, and other miscellaneous items for my two children and I.

My financial situation: I currently have a full time job as a Nurse's Aide, and will be finishing up my schooling soon to become a nurse. I do not have any current loans out or debt which will cause me not to hold up paying for this loan.

I am a good candidate for this loan because I am a very responsible person who pays all my bills on time. I am just trying to give my children and myself a better life. I can promise to have this loan paid in full by April of next year. I just need something to help during this bump in my life.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636262
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: $12,875.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $9,012.50 Estimated loss*: 6.24%  
Term: 60 months  
 
Lender yield: 20.81% Borrower rate/APR: 21.81% / 24.30% Monthly payment: $354.20
 
Lender servicing fee: 1.00% Effective Yield*: 20.32%  
Estimated return*: 14.08%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1997 Debt/Income ratio: 25%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,503Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: benjamins-tamer Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 78% ) 680-699 (Latest)
Principal borrowed: $15,000.00< 31 days late: 2 ( 22% )  
720-739 (Oct-2011)
740-759 (Feb-2010)
 
Principal balance: $12,124.95 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt consolidation
Purpose of loan:
This loan will be used to reduce high interest credit card debt.

My financial situation:
I am a good candidate for this loan because my wife and I have made significant progress over the past couple of years reducing our debt by spending diligently, paying as much as we can towards our debt, and switching from higher rates, when possible. We currently have another loan outstanding with Prosper, which is in good standing. Unfortunately, we are caught in the credit score trap...we are reducing our debt and closing accounts, which seems like it should help our score. Unfortunately, we have seen it drop, even though our debt level has decreased. I hope potential borrowers will take our actions and history in to account more than our credit score.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636298
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.75%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $136.98
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1972 Debt/Income ratio: Not calculated
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:15y 3m
Amount delinquent: $0 Total credit lines: 8Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,610 
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: encouraging-exchange623 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...
Build deck and ramp for wife to use wheelchair
My financial situation:
I am a good candidate for this loan because...have very few bills to pay


Monthly net income: $2000
Monthly expenses: $500
Housing: $0
Insurance: $100
Car expenses: $0
Utilities: $80
Phone, cable, internet: $40
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636344
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 8.74%  
Term: 60 months  
 
Lender yield: 24.15% Borrower rate/APR: 25.15% / 27.73% Monthly payment: $88.32
 
Lender servicing fee: 1.00% Effective Yield*: 23.58%  
Estimated return*: 14.84%  
* 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-2003 Debt/Income ratio: 22%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 13 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,195Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: first-credit-jam Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to..pay off higher rate cards.

My financial situation:
I am a good candidate for this loan because...i've been steadily employed since i was 13 and i always pay my bills


Monthly net income: $3000
Monthly expenses: 2500
Housing: $406
Insurance: $155
Car expenses: $125
Utilities: $250
Phone, cable, internet: $25
Food, entertainment: $400
Clothing, household expenses: $400
Credit cards and other loans: $600
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636364
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 23.98% Borrower rate/APR: 24.98% / 27.55% Monthly payment: $381.41
 
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: May-1982 Debt/Income ratio: 17%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 8 / 8Length of status:12y 11m
Amount delinquent: $8,816 Total credit lines: 23 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,329Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: best-dinero-promiser 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
Debt consolidation, savings
Purpose of loan:
This loan will be used to...pay off bills, dental work, college books, and to be put into savings

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


Monthly net income: $2981.00
Monthly expenses: $
Housing: $1300.00
Insurance: $230.00
Car expenses: $
Utilities: $80.00
Phone, cable, internet: $300.00
Food, entertainment: $200.00
Clothing, household expenses: $
Credit cards and other loans: $325.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636532
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 1.24%  
Term: 36 months  
 
Lender yield: 6.89% Borrower rate/APR: 7.89% / 9.23% Monthly payment: $312.86
 
Lender servicing fee: 1.00% Effective Yield*: 6.89%  
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: Jun-1997 Debt/Income ratio: 31%
Credit score: 780-799 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 19 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,181Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: Yes  
Screen name: attentive-marketplace94 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
Debt consolidation
Purpose of loan:
This loan will be used to...pay off credit card debt acquired while in school training to become an elementary school teacher.

My financial situation:
I am a good candidate for this loan because...I currently have a position teaching 1st and 2nd graders in a small private Waldorf school. In this school the teacher ideally stays with the same class through 8th grade - so I have job security! My income will also increase as our school grows.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636776
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $360.22
 
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-1995 Debt/Income ratio: 13%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:7y 11m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,944Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 78%  
   Homeownership: No  
Screen name: chomper943 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Engagement Ring Financing
Purpose of loan:
This loan will be used to...Purchase Engagement Ring

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


Monthly net income: $6005
Monthly expenses: $1840
Housing: $755
Insurance: $109
Car expenses: $none
Utilities: $155
Phone, cable, internet: $220
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636792
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.49% Borrower rate/APR: 24.49% / 28.34% Monthly payment: $315.92
 
Lender servicing fee: 1.00% Effective Yield*: 22.91%  
Estimated return*: 11.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-2007 Debt/Income ratio: Not calculated
Credit score: 660-679 (Aug-2012) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 11 / 7Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 19Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,562 
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: brightest-efficient-gold 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
This lone use my business
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636798
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 4.74%  
Term: 36 months  
 
Lender yield: 13.59% Borrower rate/APR: 14.59% / 18.21% Monthly payment: $861.62
 
Lender servicing fee: 1.00% Effective Yield*: 13.36%  
Estimated return*: 8.62%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1994 Debt/Income ratio: 33%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 47 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,406Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: No  
Screen name: ready-yield7 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...

My financial situation:
I am a good candidate for this loan because...I have always paid bills on time and looking to consolidate.


Monthly net income: $ 4600.00
Monthly expenses: $ 3,000
Housing: $ 1600
Insurance: $ 250
Car expenses: $ 400
Utilities: $ 150
Phone, cable, internet: $ 200
Food, entertainment: $
Clothing, household expenses: $ 100
Credit cards and other loans: $ 400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636804
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: Dec-2006 Debt/Income ratio: 466%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,198Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: newest-peaceful-compassion4 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636806
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: $8,800.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $6,160 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $312.83
 
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-1987 Debt/Income ratio: 35%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:26y 6m
Amount delinquent: $0 Total credit lines: 46 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,578Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: first-loyalty-web 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: Loan Consolidation
This loan will be used to...Combine payments into a more manageable payment

My financial situation: Ok
I am a good candidate for this loan because...I have excellent credit and job security/history


Monthly net income: $4500
Monthly expenses: $
Housing: $1050
Insurance: $250
Car expenses: $0
Utilities: $200
Phone, cable, internet: $38
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636812
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 9.75%  
Term: 36 months  
 
Lender yield: 21.59% Borrower rate/APR: 22.59% / 26.40% Monthly payment: $577.45
 
Lender servicing fee: 1.00% Effective Yield*: 21.07%  
Estimated return*: 11.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: May-1983 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:22y 8m
Amount delinquent: $0 Total credit lines: 28 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $308Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: commitment-idol4 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 90% ) 640-659 (Latest)
Principal borrowed: $9,500.00< 31 days late: 1 ( 10% )  
720-739 (Oct-2011)
 
Principal balance: $7,571.66 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Business
Purpose of loan:
This loan will be used to...buy the equipment and contracts of a competitor who is retiring, which will allow me to increase my business especially during the winter months because his contracts are with several apartment buildings for interior paint.

My financial situation:
I am a good candidate for this loan because...i already received a prosper loan approx a year ago which has increased my business this year about 30% which all payments have been made, i have low debt and positive cash flow, i have numerous contacts in the real estate industry to keep my painting business successful.


Monthly net income: $5800
Monthly expenses: $1200
Housing: $550
Insurance: $375
Car expenses: $450
Utilities: $295
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636816
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $186.30
 
Lender servicing fee: 1.00% Effective Yield*: 18.74%  
Estimated return*: 10.75%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1998 Debt/Income ratio: 7%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:17y 1m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $737Stated income:$50,000-$74,999
Delinquencies in last 7y: 16 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: wise-thoughtful-velocity2 Borrower's state: Idaho 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: consolidation
This loan will be used to...pay off existing loans

My financial situation: I have several smaller loans which I would like to consolidate
I am a good candidate for this loan because...I have a steady, reliable retirement income and have lived in my current home for the past 17 years


Monthly net income: $5867.90
Monthly expenses: $5509
Housing: $2041
Insurance: $607
Car expenses: $275
Utilities: $142
Phone, cable, internet: $165
Food, entertainment: $400
Clothing, household expenses: $60
Credit cards and other loans: $5394
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636822
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1982 Debt/Income ratio: Not calculated
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:3y 10m
Amount delinquent: $0 Total credit lines: 30Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $104,861 
Delinquencies in last 7y: 0 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: favorite-wealth096 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay some debt

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


Monthly net income: $3400.00
Monthly expenses: $2000.00
Housing: $1232.00
Insurance: $
Car expenses: $
Utilities: $300.00
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636832
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: 36 months  
 
Lender yield: 28.09% Borrower rate/APR: 29.09% / 33.05% Monthly payment: $167.82
 
Lender servicing fee: 1.00% Effective Yield*: 26.81%  
Estimated return*: 12.56%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-2007 Debt/Income ratio: Not calculated
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 14Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,557 
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: listingasaurus5 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
Bills
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because... I just got out the military and I get paid to go to school $2106 and I collect unemployment $340 a week. I need money cause my girlfriend cleared out my bank account and left. I can pay you back in full with no problem. I make $40,000 a year from just going to school. I am also getting a check from financial aid in 3 weeks for $3,300 dollars because the messed up my school info and owned me back. I just need money now cause I have nothing. She took all my money and left me with all the bills. I just need money for bills and to get back on my feet.


Monthly net income: $3,412
Monthly expenses: $1,500
Housing: $500
Insurance: $100
Car expenses: $450
Utilities: $0
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, houehold expenses: $0
Credit cards and other loans: $173
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636848
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1995 Debt/Income ratio: >1000%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 33 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,323Stated income:$1-$24,999
Delinquencies in last 7y: 12 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: rate-sherpa8 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
Other
Purpose of loan:
This loan will be used to...start up small side business.

My financial situation:
I am a good candidate for this loan because...I pay off my debts and make my payments on a timely basis.


Monthly net income: $1880.00
Monthly expenses: $
Housing: $
Insurance: $169.00
Car expenses: $345.00
Utilities: $210.00
Phone, cable, internet: $84.00
Food, entertainment: $70.00
Clothing, household expenses: $
Credit cards and other loans: $500.00
Other expenses: $140.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636860
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*: 8.74%  
Term: 36 months  
 
Lender yield: 20.24% Borrower rate/APR: 21.24% / 25.01% Monthly payment: $566.98
 
Lender servicing fee: 1.00% Effective Yield*: 19.77%  
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: May-1991 Debt/Income ratio: 17%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 10m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,336Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: asset-sorcerer2 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: $3178.00
Monthly expenses: $
Housing: $600
Insurance: $200
Car expenses: $100
Utilities: $140
Phone, cable, internet: $0
Food, entertainment: $200
Clothing, household expenses: $115
Credit cards and other loans: $400
Other expenses: $
50.00 for coffee, etc.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636864
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 0.99%  
Term: 36 months  
 
Lender yield: 6.49% Borrower rate/APR: 7.49% / 8.83% Monthly payment: $139.96
 
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-1998 Debt/Income ratio: 17%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,863Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: capital-umbrella3 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Vacation
Purpose of loan:
This loan will be used to...Pay my airline and hotel room while I'm on vacation.

My financial situation:
I am a good candidate for this loan because..If you look at my past and current credit history. I have a very good track record for paying all my bills on time..
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636878
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1989 Debt/Income ratio: 5%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:24y 0m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,175Stated income:$50,000-$74,999
Delinquencies in last 7y: 22 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: dime-enlistment0 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: Purchase a used car, debt consolidation
This loan will be used to...

My financial situation: University Credit Union
I am a good candidate for this loan because...I am able to make the monthly payments using payroll deduction.


Monthly net income: $3800.00
Monthly expenses: $
Housing: $1750.00
Insurance: $90.00
Car expenses: $400.00
Utilities: $50.00
Phone, cable, internet: $100.00
Food, entertainment: $100.00
Clothing, household expenses: $150.00
Credit cards and other loans: $50.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636884
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 23.98% Borrower rate/APR: 24.98% / 27.55% Monthly payment: $146.70
 
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: Dec-1979 Debt/Income ratio: 6%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 6Employment status:Other
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: wealth-ferret725 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
For creditclean up.
Purpose of loan: to clean up my credit reports.
This loan will be used to...Pay for an agency to get my credit reports corrected so I can buy a house.

My financial situation: I am retired so I live on Social security and retirement.
I am a good candidate for this loan because...I have no bills like car payments, store credit cards.


Monthly net income: $2995.00
Monthly expenses: $1352.00
Housing: $000.00 live with my daughter.
Insurance: $62.00
Car expenses: $100.00
Utilities: $460.00
Phone, cable, internet: $30.00
Food, entertainment: $400.00
Clothing, household expenses: $100.00
Credit cards and other loans: $
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636888
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $324.57
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 11.23%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-1997 Debt/Income ratio: 9%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 5 Current / open credit lines: 2 / 2Length of status:3y 7m
Amount delinquent: $6,173 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: best-useful-platinum 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 pay off my remaining credit cards to be debt-free!

My financial situation:
I am a good candidate for this loan because prior to getting in over my head, I had an outstanding credit score with a record of paying my debt on time. I was up to nearly $40,000 in debt, which I have paid or settle most of that amount. I would like to consolidate the 4 debts I owe so I can begin repairing my credit.


Monthly net income: $48,000
Monthly expenses: $
Housing: $400
Insurance: $
Car expenses: $250
Utilities: $
Phone, cable, internet: $80
Food, entertainment: $500
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636924
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.21%  
* 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-1989 Debt/Income ratio: 66%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 12Length of status:15y 8m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,436Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: engaging-kindness8 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: debt consolidation
This loan will be used to... same as the above

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


Monthly net income: $ 1890.00
Monthly expenses: $ 2000.00
Housing: $ 600.00
Insurance: $ 90.00
Car expenses: $ 450.00
Utilities: $
Phone, cable, internet: $ 100.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636930
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: 36 months  
 
Lender yield: 22.24% Borrower rate/APR: 23.24% / 27.06% Monthly payment: $388.35
 
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): 6 First credit line: Jul-1983 Debt/Income ratio: 22%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:37y 0m
Amount delinquent: $0 Total credit lines: 25 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $36,043Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: authentic-dime7 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
Wedding
Purpose of loan:
This loan will be used to...

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


Monthly net income: $5500
Monthly expenses: $
Housing: $16000
Insurance: $500
Car expenses: $0
Utilities: $200
Phone, cable, internet: $105
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $700
Other expenses: 0 $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636970
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: 60 months  
 
Lender yield: 31.58% Borrower rate/APR: 32.58% / 35.37% Monthly payment: $135.82
 
Lender servicing fee: 1.00% Effective Yield*: 30.13%  
Estimated return*: 15.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1996 Debt/Income ratio: 58%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:6y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,599Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: fund-wrangler4 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate my current medical loan debt ...

My financial situation:
I am a good candidate for this loan because I have managed my debts for over 15 years that once included a vehicle, a home, credit cards and student loans of over $300,000...


Monthly net income: $ 1,200
Monthly expenses: $ 600
Housing: $ 0
Insurance: $ 89
Car expenses: $ 227
Utilities: $ 0
Phone, cable, internet: $ 20
Food, entertainment: $ 100
Clothing, household expenses: $ 25
Credit cards and other loans: $ 220
Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636972
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: $16,233.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $11,363.10 Estimated loss*: 2.99%  
Term: 36 months  
 
Lender yield: 9.89% Borrower rate/APR: 10.89% / 13.70% Monthly payment: $530.60
 
Lender servicing fee: 1.00% Effective Yield*: 9.86%  
Estimated return*: 6.87%  
* 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): 7 First credit line: Jul-1988 Debt/Income ratio: 69%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:12y 3m
Amount delinquent: $0 Total credit lines: 28 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,283Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: kind-goodhearted-credit Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 720-739 (Latest)
Principal borrowed: $11,000.00< 31 days late: 0 ( 0% )  
740-759 (Nov-2011)
 
Principal balance: $8,766.81 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt consolidation
Purpose of loan:
This loan will be used to.consonidate debt.

My financial situation:
I am a good candidate for this loan because I have a solid work history and good credit score.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636994
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.24% Borrower rate/APR: 23.24% / 27.06% Monthly payment: $582.52
 
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): 2 First credit line: Nov-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 21 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,016Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: BallyHooCo Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 33 ( 100% ) 680-699 (Latest)
Principal borrowed: $17,500.00< 31 days late: 0 ( 0% )  
680-699 (Sep-2011)
660-679 (Sep-2010)
 
Principal balance: $7,661.47 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Toy Inventory for Holiday Season
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637348
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-1996 Debt/Income ratio: 27%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 32 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $51,918Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: gain-nurse9 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
Household Expenses
Purpose of loan: personal
This loan will be used to...personal

My financial situation: good
I am a good candidate for this loan because...i pay my bills


Monthly net income: $5600.00
Monthly expenses: $
Housing: $1100.00
Insurance: $200.00
Car expenses: $200.00
Utilities: $250.00
Phone, cable, internet: $100.00
Food, entertainment: $50.00
Clothing, household expenses: $50.00
Credit cards and other loans: $1100.00

Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637354
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: Oct-1993 Debt/Income ratio: 25%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 8Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 18 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,002Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: towering-cash925 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
Other
Purpose of loan:
This loan will be used to...pay off credt cards and hospital bill

My financial situation: HSBC
I am a good candidate for this loan because...I will pay this loan back and have less bills because of this loan and I have a full time job


Monthly net income: $3300
Monthly expenses: $3029
Housing: $1475
Insurance: $
Car expenses: $
Utilities: $80
Phone, cable, internet: $350
Food, entertainment: $200
Clothing, household expenses: $150
Credit cards and other loans: $584
Other expenses: $150
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637360
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.75%  
Term: 36 months  
 
Lender yield: 28.69% Borrower rate/APR: 29.69% / 33.67% Monthly payment: $169.13
 
Lender servicing fee: 1.00% Effective Yield*: 27.38%  
Estimated return*: 12.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1995 Debt/Income ratio: 40%
Credit score: 720-739 (Aug-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 38 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,478Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: unique-truth867 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
$4000 Tax Loan
I had originally requested a tax loan in the amount of $7500...but I will no longer need that amount. I'm am now only seeking $4000.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637420
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1977 Debt/Income ratio: 122%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:7y 8m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $79,735Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: first-fabulous-dollar 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
Household Expenses
Purpose of loan:
This loan will be used to... To do some major upgrades to my house, you can say they are long overdue

My financial situation:
I am a good candidate for this loan because... I am fully employed, I am responsible in paying my debts, no late payments, I just need help in getting a loan to fix my house up


Monthly net income: $2500
Monthly expenses: $400
Housing: $0
Insurance: $100
Car expenses: $125
Utilities: $200
Phone, cable, internet: $25
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637468
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 1.49%  
Term: 12 months  
 
Lender yield: 5.43% Borrower rate/APR: 6.43% / 7.37% Monthly payment: $690.11
 
Lender servicing fee: 1.00% Effective Yield*: 5.43%  
Estimated return*: 3.94%  
* 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): 9 First credit line: Oct-2001 Debt/Income ratio: 20%
Credit score: 760-779 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 17 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,208Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: No  
Screen name: ideal-borrower Borrower's state: DistrictOfColumbia 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 two high-interest credit card balances. Consolidating at this lower interest rate will save me approximately $600 in interest payments.

My financial situation:
Given my current income and expenses, the monthly payments on this loan are comfortably within my budget.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637474
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.75%  
Term: 60 months  
 
Lender yield: 32.04% Borrower rate/APR: 33.04% / 35.84% Monthly payment: $136.98
 
Lender servicing fee: 1.00% Effective Yield*: 30.57%  
Estimated return*: 15.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Sep-1990 Debt/Income ratio: Not calculated
Credit score: 620-639 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,253Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: newest-trade-caballero Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 620-639 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
740-759 (Jan-2012)
 
Principal balance: $9,359.71 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Auto
Purpose of loan:
This loan will be used to...
FIx car New engine
My financial situation: Good
I am a good candidate for this loan because...I have been a prosper customer and have never missed a payment


Monthly net income: $2550
Monthly expenses:
Housing: $0
Insurance: $75
Car expenses: $125
Utilities: $0
Phone, cable, internet: $123
Food, entertainment: $300
Clothing, household expenses: $0
Credit cards and other loans: $415
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637480
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: Jun-2006 Debt/Income ratio: 59%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Homemaker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,790Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: melody448 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
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637552
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): 3 First credit line: Aug-1980 Debt/Income ratio: Not calculated
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 5Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 13 / 7Length of status:11y 8m
Amount delinquent: $0 Total credit lines: 36Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,163 
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: balanced-felicity1 Borrower's state: NewMexico 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
Other
Information in the Description is not verified.