Listing Report:Supplement No. 97 dated Sep 11, 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 612044
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: $12,000 Estimated loss*: 5.49%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 19.65% Monthly payment: $421.83
 
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): 9 First credit line: May-1996 Debt/Income ratio: 13%
Credit score: 700-719 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:13y 0m
Amount delinquent: $0 Total credit lines: 23 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,563Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: ingenious-market3 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
Restructure end credit cards
Purpose of loan: bill consolidation
This loan will be used to...pay off hospital, furniture, credit cards,and doctor bills

My financial situation: stable monthly income (net. 3590.00)
I am a good candidate for this loan because...Stable employment over 12 years same. #30 years experience in my field..Stable resident for over 20 years same address


Monthly net income: $3590
Monthly expenses: $2300
Housing: $325
Insurance: $100
Car expenses: $400
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $125
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 631754
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Feb-2009 Debt/Income ratio: 3%
Credit score: 680-699 (Aug-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 7 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: feanormastercrafter 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
Auto
Purpose of loan:
This loan will be used to purchase a used car (2005 Ford Crown Victoria for 3799.00) for my girlfriend to use to get to and from work while I am working in Alaska.

My financial situation:
I am a good candidate for this loan because I work in Alaska onboard a fishing vessel and have no bills while there, so I can pay back this loan in very good time.


Monthly net income: $6500.00
Monthly expenses: $500.00
Housing: $0.00
Insurance: $0.00
Car expenses: $0.00
Utilities: $0.00
Phone, cable, internet: $100.00
Food, entertainment: $0.00
Clothing, household expenses: $0.00
Credit cards and other loans: $300.00
Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 633930
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $803.63
 
Lender servicing fee: 1.00% Effective Yield*: 8.72%  
Estimated return*: 6.23%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-2002 Debt/Income ratio: 11%
Credit score: 780-799 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,054Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: courageous-truth820 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding Loans
Purpose of loan:
This loan will be used to fund an upcoming wedding and ring purchase for my bride.

My financial situation:
I am a good candidate for this loan because I have a great history of credit and always pay my debt off and pay the debt off on time. I'm currently as a government contractor and am more than financially stable enough to handle this loan and pay off the loan early.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634434
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 12.75%  
Term: 36 months  
 
Lender yield: 26.10% Borrower rate/APR: 27.10% / 31.01% Monthly payment: $163.52
 
Lender servicing fee: 1.00% Effective Yield*: 24.91%  
Estimated return*: 12.16%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Nov-1989 Debt/Income ratio: 31%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 20Length of status:10y 4m
Amount delinquent: $0 Total credit lines: 89 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,814Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: a-power-conductor 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: 1 / 1 On-time: 13 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
680-699 (Jul-2011)
 
Principal balance: $4,368.67 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Debt consolidation
Purpose of loan:
This loan will be used to Consolidate some more of my debt.

My financial situation:
I am a good candidate for this loan because I already have a prosper loan that is almost half paid off and I have always made my payments on time without ever being late.


Monthly net income: $4650
Monthly expenses: $
Housing: $ 888
Insurance: $ 239
Car expenses: $ 434
Utilities: $ 250
Phone, cable, internet: $ 125
Food, entertainment: $ 400
Clothing, household expenses: $ 250
Credit cards and other loans: $ 600
Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634826
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-2003 Debt/Income ratio: 21%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:10y 1m
Amount delinquent: $0 Total credit lines: 3 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,633Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: commerce-judo2 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
Small loan for business start up
Purpose of loan: To start a new business
This loan will be used to... help with business start up costs.

My financial situation: Good
I am a good candidate for this loan because...I have never defaulted on any loans and pay my all my bills on time.


Monthly net income: $3,200
Monthly expenses: $2800
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 635192
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,675.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $4,672.50 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $214.57
 
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: Oct-2001 Debt/Income ratio: 67%
Credit score: 780-799 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:2y 1m
Amount delinquent: $0 Total credit lines: 40 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,859Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: turbogirl Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 26 ( 100% ) 780-799 (Latest)
Principal borrowed: $8,500.00< 31 days late: 0 ( 0% )  
680-699 (Jan-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 26  
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636258
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Feb-2001 Debt/Income ratio: 40%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,889Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: SusanBAnthony 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 to consolidate credit card debt

My financial situation:
I am a good candidate for this loan because I am eager and determined to to pay off my debt.


Monthly net income: $4000
Monthly expenses: $2000
Housing: $550
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 636468
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: C Listing Duration: 14 days
Minimum Amount to Fund: $12,600 Estimated loss*: 7.99%  
Term: 60 months  
 
Lender yield: 23.33% Borrower rate/APR: 24.33% / 26.89% Monthly payment: $521.28
 
Lender servicing fee: 1.00% Effective Yield*: 22.78%  
Estimated return*: 14.79%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1985 Debt/Income ratio: 30%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:14y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,778Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: indomitable-fund5 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 two major credit cards and a loan, both which have high interest rates. Plus this way I could pay off the loan in 5 years.

My financial situation:
I am a good candidate for this loan because...I pay my bills on time with the exception of a few late ones. I'm tired of living paycheck to paycheck, and I want to get this debt paid off and don't ever want to be in debt like this again. This loan would help me get rid of this debt in 5 years.


Monthly net income: $2214
Monthly expenses: $2019
Housing: $325
Insurance: $230
Car expenses: $Cars paid for
Utilities: $120
Phone, cable, internet: $154
Food, entertainment: $50
Clothing, household expenses: $
Credit cards and other loans: $650
Other expenses: $490 (Includes Gas for car) Drive 1 hr & 15 min one way to work
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636564
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 2.74%  
Term: 36 months  
 
Lender yield: 9.34% Borrower rate/APR: 10.34% / 13.14% Monthly payment: $324.27
 
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-1997 Debt/Income ratio: Not calculated
Credit score: 780-799 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 14 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $427Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: wise-order-jedi Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 16 ( 100% ) 780-799 (Latest)
Principal borrowed: $11,088.58< 31 days late: 0 ( 0% )  
740-759 (Apr-2011)
 
Principal balance: $9,484.24 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
Second Prosper Loan...never late!
Purpose of loan: This loan will be used to pay off my current prosper loan that I have been paying on for 1.5 years at a much higher interest rate. I have never been late on my current prosper loan and it is directly debited out of my bank account. My credit has improved since I the first prosper loan, and I would like to pay a much less APR!



My financial situation: I am a good candidate for this loan because I have the ability to pay it off quickly with my low debt to income ratio. I have also been in this job position since 2003. I do not like to carry any debts and will work to pay this off as quickly as possible. Keeping a good credit rating and integrity is important for me personally but also to keep my position in my line of work.


I am a good candidate for this loan because...this is my second prosper loan, and I have never once been late on my $351 payment to prosper! This will be a good investment for anyone looking to make a high APR on their money with minimal risk. I am looking to continually build my credit, and paying things on time is the way to get there.

Thanks for the consideration!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636694
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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-1993 Debt/Income ratio: 12%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 7Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 20 Occupation: Construction
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,206Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: vibrant-penny0 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 636716
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $23,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $16,100 Estimated loss*: 1.74%  
Term: 60 months  
 
Lender yield: 11.08% Borrower rate/APR: 12.08% / 14.34% Monthly payment: $512.55
 
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: Nov-1983 Debt/Income ratio: 21%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 21Length of status:27y 8m
Amount delinquent: $0 Total credit lines: 56 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,064Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: top-innocent-trade 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
Debt consolidation
Purpose of loan:
This loan will be used to pay off credit card balances with any extra money for home improvements.

My financial situation:
To consolidate my credit card balances
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636938
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: C Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 21.18% Borrower rate/APR: 22.18% / 24.68% Monthly payment: $693.03
 
Lender servicing fee: 1.00% Effective Yield*: 20.68%  
Estimated return*: 14.19%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1974 Debt/Income ratio: 16%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,853Stated income:$75,000-$99,999
Delinquencies in last 7y: 24 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: felicity-supporter8 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
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637008
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.21%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1998 Debt/Income ratio: 33%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:2y 0m
Amount delinquent: $0 Total credit lines: 37 Occupation: Laborer
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $3,442Stated income:$1-$24,999
Delinquencies in last 7y: 35 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: established-note2 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Dental
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2800
Monthly expenses: $
Housing: $345
Insurance: $175
Car expenses: $0
Utilities: $250
Phone, cable, internet: $250
Food, entertainment: $150
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637032
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 6 First credit line: Apr-1972 Debt/Income ratio: 80%
Credit score: 700-719 (Aug-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:12y 8m
Amount delinquent: $0 Total credit lines: 27 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,968Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: Yes  
Screen name: independent-p2p786 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
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3000
Monthly expenses: $125
Housing: $550
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 637070
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,300.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $3,010 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $135.52
 
Lender servicing fee: 1.00% Effective Yield*: 7.39%  
Estimated return*: 5.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jan-1990 Debt/Income ratio: 22%
Credit score: 760-779 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 25 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $53,713Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: jonser Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
This loan will be used to consolidate and pay-off balances on higher interest credit cards.

My financial situation:
I am a good candidate for this loan because I have a good credit score and have an excellent history of paying debts on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.49% Borrower rate/APR: 24.49% / 28.34% Monthly payment: $434.40
 
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: Mar-1999 Debt/Income ratio: 22%
Credit score: 680-699 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 6 / 5Length of status:15y 10m
Amount delinquent: $5,318 Total credit lines: 23 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,811Stated income:$50,000-$74,999
Delinquencies in last 7y: 57 Bankcard utilization: 49%  
   Homeownership: Yes  
Screen name: red-charming-loan 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
Household Expenses
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637080
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $565.05
 
Lender servicing fee: 1.00% Effective Yield*: 19.52%  
Estimated return*: 11.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-1989 Debt/Income ratio: 35%
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:17y 6m
Amount delinquent: $0 Total credit lines: 39 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,144Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: AaronsWife 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: Debt Consolidation
This loan will be used to organize and pay off debt.

My financial situation:
I am a good candidate for this loan because I have been employed with the same organization for over 17 years and I have lived in the same house for over 11 years. I have never defaulted on my obligations.


I have a good credit score.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637110
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1996 Debt/Income ratio: 35%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:0y 1m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,946Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: ferocious-interest884 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...consolidate debt

My financial situation:
I am a good candidate for this loan because...i have always paid on time and paid all my loans


Monthly net income: $5600
Monthly expenses: $
Housing: $735.00
Insurance: $145.00
Car expenses: $550.00
Utilities: $120.00
Phone, cable, internet: $200.00
Food, entertainment: $500.00
Clothing, household expenses: $200.00
Credit cards and other loans: $1500.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637182
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $540.33
 
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: Sep-2002 Debt/Income ratio: 8%
Credit score: 700-719 (Aug-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 11 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $381Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: Nehomes 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 Consolidation2
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637186
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.21%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-2000 Debt/Income ratio: 56%
Credit score: 680-699 (Aug-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,404Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: NHGEM Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Pay off some bills, some small home repairs

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


Monthly net income: $5700.00
Monthly expenses: $4213.00
Housing: $874.00
Insurance: $116.00
Car expenses: $813.00
Utilities: $135.00
Phone, cable, internet: $225.00
Food, entertainment: $600.00
Clothing, household expenses: $200.00
Credit cards and other loans: $850.00
Other expenses: $400.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637284
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.49% Borrower rate/APR: 24.49% / 28.34% Monthly payment: $157.96
 
Lender servicing fee: 1.00% Effective Yield*: 22.91%  
Estimated return*: 11.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-2007 Debt/Income ratio: 18%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,417Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: versatile-return044 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...Pay off small debts as well invest in ventures to better myself and my future posterity

My financial situation:
I am a good candidate for this loan because...I am conscious of my credit and what it means not just in business related opportunites but also asa man to pay back what
i shall borrow.


Monthly net income: $812.00 from Social security as well an extra 400.00+ from manual labor
Monthly expenses: $ > 300
Housing: $ 0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $ 100
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Feb-1994 Debt/Income ratio: 14%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:16y 8m
Amount delinquent: $0 Total credit lines: 21 Occupation: Car Dealer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,687Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: generosity-armada9 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...DEBT CONSOLIDATION

My financial situation:
I am a good candidate for this loan because...I MAKE GOOD MONEY--JUST NEED TO GET MY BILLS DOWN


Monthly net income: $5000Monthly expenses: $
Housing: $2300
Insurance: $150Car expenses: $300Utilities: $150
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $15000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637612
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 11.25%  
Term: 60 months  
 
Lender yield: 27.04% Borrower rate/APR: 28.04% / 30.70% Monthly payment: $436.24
 
Lender servicing fee: 1.00% Effective Yield*: 26.37%  
Estimated return*: 15.12%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Dec-1996 Debt/Income ratio: 13%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 24 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,167Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: flexible-money3 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to...purchase inventory

My financial situation:
I am a good candidate for this loan because...I have little overhead and a great deal of experience in the field.


Monthly net income: $6000
Monthly expenses: $2050
Housing: $675
Insurance: $125
Car expenses: $0
Utilities: $100
Phone, cable, internet: $215
Food, entertainment: $300
Clothing, household expenses: $120
Credit cards and other loans: $250
Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637654
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,800.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $8,260 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $371.90
 
Lender servicing fee: 1.00% Effective Yield*: 7.39%  
Estimated return*: 5.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-2003 Debt/Income ratio: 18%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 13Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 24 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $48,259Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: No  
Screen name: brightest-likeable-transparency9 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...

My financial situation:
I am a good candidate for this loan because...
I have a standard income, we bought a house a year back and finished setting it up, and so wanted to consolidate everything and clear it out as soon as possible
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637774
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1990 Debt/Income ratio: 24%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 9 / 5Length of status:22y 11m
Amount delinquent: $1,891 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,177Stated income:$25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: inspired-return045 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off few bills

My financial situation: Good
I am a good candidate for this loan because...I have excellent income to meet the loan payment every month


Monthly net income: $2862
Monthly expenses: $485
Housing: $500
Insurance: $750
Car expenses: $20.00
Utilities: $98
Phone, cable, internet: $185
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 629587
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: C Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $941.75
 
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: May-1997 Debt/Income ratio: 18%
Credit score: 700-719 (Aug-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 9Length of status:1y 9m
Amount delinquent: $527 Total credit lines: 25 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,403Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: perfume221 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 off high interest debts
My financial situation:
I am a good candidate for this loan because...
Have a great income And the ability to repay

Monthly net income: $10,000
Monthly expenses: $6500
Housing: $1200
Insurance: $350
Car expenses: $366
Utilities: $275
Phone, cable, internet: $250
Food, entertainment: $1000
Clothing, household expenses: $200
Credit cards and other loans: $500
Other expenses: $1800
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 630223
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $160.73
 
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-1996 Debt/Income ratio: 15%
Credit score: 760-779 (Aug-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:5y 8m
Amount delinquent: $0 Total credit lines: 36 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,855Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: Yes  
Screen name: trade-aficionado7 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
Purpose of loan:
This loan will be used to make home improvements to kitchen and bath.

My financial situation:
I am a good candidate for this loan because I have great credit and have been with my current employer for 5.5 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 631915
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 12.64% Borrower rate/APR: 13.64% / 15.94% Monthly payment: $126.95
 
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: Apr-2000 Debt/Income ratio: 10%
Credit score: 780-799 (Aug-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:4y 10m
Amount delinquent: $0 Total credit lines: 34 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,860Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: professorbooty 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 63 ( 100% ) 780-799 (Latest)
Principal borrowed: $11,000.00< 31 days late: 0 ( 0% )  
640-659 (Oct-2011)
660-679 (Apr-2010)
640-659 (Oct-2009)
640-659 (Jul-2008)
 
Principal balance: $2,780.10 31+ days late: 0 ( 0% )
Total payments billed: 63  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Pay off existing loan - trading the loan for a lower interest rate. Will use the extra money to put back towards the loan or keep in savings for awhile (until I get tax return)


My financial situation:
I am a good candidate for this loan because...
I never default on these types of loans - will be paid off in full either on time or early.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 633741
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 7.99%  
Term: 12 months  
 
Lender yield: 14.28% Borrower rate/APR: 15.28% / 23.07% Monthly payment: $632.73
 
Lender servicing fee: 1.00% Effective Yield*: 13.96%  
Estimated return*: 5.97%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1994 Debt/Income ratio: 26%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 8 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,162Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: finance-maestro6 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...

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


Monthly net income: $11333.33
Monthly expenses: $
Housing: $2200
Insurance: $200
Car expenses: $700
Utilities: $300
Phone, cable, internet: $85
Food, entertainment: $1200
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634819
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 12.75%  
Term: 60 months  
 
Lender yield: 29.57% Borrower rate/APR: 30.57% / 33.30% Monthly payment: $130.82
 
Lender servicing fee: 1.00% Effective Yield*: 28.22%  
Estimated return*: 15.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-2003 Debt/Income ratio: 64%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 17Length of status:6y 0m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,171Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: courteous-dinero092 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635465
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 1.24%  
Term: 36 months  
 
Lender yield: 6.89% Borrower rate/APR: 7.89% / 9.23% Monthly payment: $438.00
 
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: Dec-1988 Debt/Income ratio: 12%
Credit score: 780-799 (Aug-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:11y 5m
Amount delinquent: $0 Total credit lines: 25 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,176Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: Yes  
Screen name: smokinguitars 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 payoff $7,000 of credit card debit and a divorce settlement loan in the amount of $7,000 in a joint Capital 1 card

My financial situation:
I am a good candidate for this loan because I have had steady employement for 11 years with my current employeer and have always been responsible for my debit payments. Consolidating my current debits at minimum payments will save me Approx $124 a month and pay off my debit faster. Makes sense.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636159
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 9.25%  
Term: 60 months  
 
Lender yield: 24.73% Borrower rate/APR: 25.73% / 28.32% Monthly payment: $104.23
 
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: Dec-1973 Debt/Income ratio: 15%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 17Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 61 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,378Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: green-asset-trailblazer Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
Purpose of loan:
This loan will be used to... Help get tus of debt

My financial situation:
I am a good candidate for this loan because... I have a History of repaying my bills on time


Monthly net income: $6000
Monthly expenses: $2500
Housing: $800
Insurance: $150
Car expenses: $160
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $200

Clothing, household expenses: $150
Credit cards and other loans: $500
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636309
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 4.24%  
Term: 36 months  
 
Lender yield: 12.59% Borrower rate/APR: 13.59% / 17.19% Monthly payment: $424.74
 
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: Mar-2001 Debt/Income ratio: 27%
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:16y 9m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,672Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: Yes  
Screen name: credit-artist0 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, home improvemen
Purpose of loan:
This loan will be used to...
consolidate debt & home improvement
My financial situation:
I am a good candidate for this loan because...
i have a stable income (state of georgia pension) & i'm a home owner

Monthly net income: $3541
Monthly expenses: $2533
Housing: $1363
Insurance: $120
Car expenses: $0
Utilities: $150
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636691
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: B Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 4.99%  
Term: 36 months  
 
Lender yield: 14.09% Borrower rate/APR: 15.09% / 18.73% Monthly payment: $242.97
 
Lender servicing fee: 1.00% Effective Yield*: 13.85%  
Estimated return*: 8.86%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-1999 Debt/Income ratio: 19%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,304Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: sentimental-fairness092 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
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636849
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $160.73
 
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: Oct-1995 Debt/Income ratio: 7%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:10y 0m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,065Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%  
   Homeownership: Yes  
Screen name: interest-hickory9 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,500.00< 31 days late: 0 ( 0% )  
720-739 (Feb-2012)
 
Principal balance: $2,986.14 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 I
want to get out if debt and and rebuild my credit tried of spinning my wheels on high interest credit cards.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636947
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Jun-2008 Debt/Income ratio: 4%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 16 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,774Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: rate-trident Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $2000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637005
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 60 months  
 
Lender yield: 23.98% Borrower rate/APR: 24.98% / 27.55% Monthly payment: $440.09
 
Lender servicing fee: 1.00% Effective Yield*: 23.41%  
Estimated return*: 14.92%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 780-799 (Sep-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 13 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: generosity-twister2 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
Business
Purpose of loan:
This loan will be used to...
Expansion to get more equipment and to go on a all city marketing campain
My financial situation: is fair i am able to put two-thousand extra each month
I am a good candidate for this loan because... I am a creditable and hard working person and always good with paying off debt


Monthly net income: $4300
Monthly expenses: $1680
Housing: $378
Insurance: $185
Car expenses: $0
Utilities: $450
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $80
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637047
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: C Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $753.40
 
Lender servicing fee: 1.00% Effective Yield*: 19.52%  
Estimated return*: 11.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1992 Debt/Income ratio: 31%
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 23 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,926Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: phenomenal-dinero917 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...consolidate debt and cover licensing fees to open and operate a tavern.

My financial situation: solid financial position
I am a good candidate for this loan because...my credit is in good standing and I am employed full-time which will allow me to be able to cover the monthly payment even as I await the licensing for the tavern to come through. Once open my initial estimated added income will be $500-1000 per month for the initial months of operation. To be followed by $1500-2000 per month.


Monthly net income: $2400.00
Monthly expenses: $1727.00
Housing: $400.00
Insurance: $75.00/month
Car expenses: $265.00
Utilities: $120.00
Phone, cable, internet: $200.00
Food, entertainment: $200.00
Clothing, household expenses: $150.00
Credit cards and other loans: $317.00
Other expenses: $N/A
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637115
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $642.91
 
Lender servicing fee: 1.00% Effective Yield*: 8.72%  
Estimated return*: 6.23%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-1998 Debt/Income ratio: 31%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:10y 2m
Amount delinquent: $0 Total credit lines: 34 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,293Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: respectful-gain8 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 7 ( 100% ) 720-739 (Latest)
Principal borrowed: $25,000.00< 31 days late: 0 ( 0% )  
800-819 (Jun-2012)
840-859 (Oct-2011)
840-859 (Jul-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Home improvement
Purpose of loan:
This loan will be used to do landscaping work.

My financial situation:
I am a good candidate for this loan because I already paid one off.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637191
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,999.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $9,099.30 Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 12.64% Borrower rate/APR: 13.64% / 15.94% Monthly payment: $300.04
 
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: Jul-1976 Debt/Income ratio: 12%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:15y 10m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
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: first-class-balance3 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 637197
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $64.29
 
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: Oct-1991 Debt/Income ratio: 7%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 4Length of status:11y 4m
Amount delinquent: $26,673 Total credit lines: 25 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $766Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: transparency-companion4 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
Medical/Dental
Purpose of loan:
This loan will be used to pay medical expenses

My financial situation:
I am a good candidate for this loan because...I pay installments on time. Have a secure steady job.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637233
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Dec-2006 Debt/Income ratio: 8%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 8 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $767Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: intelligent-nickel569 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 637241
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 12 months  
 
Lender yield: 14.28% Borrower rate/APR: 15.28% / 23.07% Monthly payment: $451.95
 
Lender servicing fee: 1.00% Effective Yield*: 13.96%  
Estimated return*: 5.97%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1975 Debt/Income ratio: Not calculated
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 25 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $90,898Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: Yes  
Screen name: note-burger3 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
Purpose of loan:
This loan will be used to...further upgrade my most valued home

My financial situation: excellent
I am a good candidate for this loan because...i have outstanding credit and im a trustworthy and reliable borrower .


Monthly net income: $11605
Monthly expenses: $2600
Housing: $1722
Insurance: $77.83
Car expenses: $195
Utilities: $245
Phone, cable, internet: $90
Food, entertainment: $300
Clothing, household expenses: $120
Credit cards and other loans: $
Other expenses: $195.67
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637247
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: A Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $305.38
 
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-2002 Debt/Income ratio: 28%
Credit score: 780-799 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 11 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,117Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: payment-protector3 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
Boat
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
My financial situation would allow me to pay off loan without putting any kind of burden on my finances.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637253
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 13.25%  
Term: 36 months  
 
Lender yield: 26.70% Borrower rate/APR: 27.70% / 31.63% Monthly payment: $164.81
 
Lender servicing fee: 1.00% Effective Yield*: 25.48%  
Estimated return*: 12.23%  
* 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): 5 First credit line: Jun-1996 Debt/Income ratio: 32%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 39 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,888Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: magical-dollar251 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...

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


Monthly net income: $4,781.88
Monthly expenses: $2850
Housing: $1150
Insurance: $200
Car expenses: $200
Utilities: $250
Phone, cable, internet: $60
Food, entertainment: $645
Clothing, household expenses: $100
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637305
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $558.91
 
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: May-2000 Debt/Income ratio: 20%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:11y 0m
Amount delinquent: $25 Total credit lines: 18 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $65,878Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: peso-armada4 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
Medical/Dental
Purpose of loan:
This loan will be used to help with medical surgery

My financial situation:
I am a good candidate for this loan because of my good credit which shows my ability to pay it back

Monthly net income: $3600
Monthly expenses: $300
Housing: $300
Insurance: $250
Car expenses: $0
Utilities: $219
Phone, cable, internet: $125
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $25
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637323
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 6.24%  
Term: 60 months  
 
Lender yield: 20.81% Borrower rate/APR: 21.81% / 24.30% Monthly payment: $110.04
 
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-2000 Debt/Income ratio: 53%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 35 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,640Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: wil7cat 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: 29 ( 100% ) 700-719 (Latest)
Principal borrowed: $6,500.00< 31 days late: 0 ( 0% )  
760-779 (Oct-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Household Expenses
Purpose of loan:
This loan will be used to... Cover moving / rent expenses / First, Last and Security Deposit

My financial situation: Stable, but need help during the two slow months of September through October
I am a good candidate for this loan because... I previously paid off a prosper loan earlier than the due date. I am also getting a promotion at work at the end of October / beginning of November... (when the high season starts at the resort)


Monthly net income: $3000
Monthly expenses: $2000
Housing: $725
Insurance: $100
Car expenses: $400
Utilities: $0
Phone, cable, internet: $150
Food, entertainment: $100
Clothing, household expenses: $150
Credit cards and other loans: $250
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637385
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Sep-1999 Debt/Income ratio: 17%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 40 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,706Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%  
   Homeownership: Yes  
Screen name: blue-value-cheetah 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: 7 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
620-639 (Jun-2012)
660-679 (Jun-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Debt Consolidation
Purpose of loan:
This loan will be used to...

Pay off higher interest credit cards in order to reduce monthly expenses as well as purchase necessary items for household repairs.

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


Monthly net income: $4520.00
Monthly expenses: $3495.00 (This is the total from expenses listed below. All amounts are estimates and rounded up.)
Housing: $1375.00
Insurance: $50.00
Car expenses: $370.00
Utilities: $200
Phone, cable, internet: $300
Food, entertainment: $600.00
Clothing, household expenses: $200.00
Credit cards and other loans: $200.00
Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637501
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 4.49%  
Term: 60 months  
 
Lender yield: 17.52% Borrower rate/APR: 18.52% / 20.93% Monthly payment: $385.16
 
Lender servicing fee: 1.00% Effective Yield*: 17.21%  
Estimated return*: 12.72%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-2001 Debt/Income ratio: 38%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 15Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 40 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,668Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: interest-network6 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 740-759 (Latest)
Principal borrowed: $9,000.00< 31 days late: 0 ( 0% )  
760-779 (Nov-2010)
 
Principal balance: $4,239.07 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
New House-New Bills
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637603
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Sep-1992 Debt/Income ratio: 8%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 3 Current / open credit lines: 5 / 6Length of status:13y 9m
Amount delinquent: $8,034 Total credit lines: 25 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,395Stated income:$75,000-$99,999
Delinquencies in last 7y: 19 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: baron680 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
Home improvement
Purpose of loan:
This loan will be used to...
Heating system
My financial situation:
I am a good candidate for this loan because...can pay it back


Monthly net income: $4500
Monthly expenses: $3000
Housing: $1100
Insurance: $200
Car expenses: $200
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $700
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637699
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.25%  
Term: 60 months  
 
Lender yield: 27.04% Borrower rate/APR: 28.04% / 30.70% Monthly payment: $124.64
 
Lender servicing fee: 1.00% Effective Yield*: 26.37%  
Estimated return*: 15.12%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jul-2003 Debt/Income ratio: 18%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 28 / 22Length of status:1y 0m
Amount delinquent: $475 Total credit lines: 52 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,892Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: note-concerto1 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: Debt Consolidation
This loan will be used to...pay some of my debt off

My financial situation: I just need to reorganize myself since i loss my fience 2yrs ago
I am a good candidate for this loan because...I have a stable job and stable income


Monthly net income: $4000
Monthly expenses: $
Housing: $1800 mortgage
Insurance: $150
Car expenses: $237
Utilities: $500
Phone, cable, internet: $170
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637711
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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-2010 Debt/Income ratio: 31%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:9y 2m
Amount delinquent: $0 Total credit lines: 5 Occupation: Clergy
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,104Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: tough-justice4 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
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637759
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,200.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,240 Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $138.97
 
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: Jul-1972 Debt/Income ratio: Not calculated
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 2Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 11Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,582 
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: tough-kindness8 Borrower's state: WestVirginia Borrower's group: N/A
Credit and homeownership information was obtained 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 load will be used to consolidate debt of 2 other credit cards.

My financial situation:
I am a good candidate for this loan because I have been paying my current credit cards on time all the time.


Monthly net income: $45000
Monthly expenses: $300
Housing: $100
Insurance: $200
Car expenses: $0
Utilities: $300
Phone, cable, internet: $60
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $425
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637771
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Jul-1987 Debt/Income ratio: 15%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:11y 5m
Amount delinquent: $0 Total credit lines: 45 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $302,197Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: red-industrious-value 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 high interest credit cards into one monthly payment.

My financial situation: Great Credit and never made a late payment.
I am a good candidate for this loan because...I have a good income and manage properly manage my debt.


Monthly net income: $13000
Monthly expenses: $9000
Housing: $2800
Insurance: $2500
Car expenses: $500
Utilities: $250
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $300
Credit cards and other loans: $2000
Other expenses: $150
Information in the Description is not verified.