Listing Report:Supplement No. 101 dated Sep 13, 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 631533
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 6.24%  
Term: 60 months  
 
Lender yield: 20.81% Borrower rate/APR: 21.81% / 24.30% Monthly payment: $412.66
 
Lender servicing fee: 1.00% Effective Yield*: 20.32%  
Estimated return*: 14.08%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1991 Debt/Income ratio: 48%
Credit score: 680-699 (Aug-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 35 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $67,396Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: worthy-greenback8 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $8,000.00< 31 days late: 0 ( 0% )  
720-739 (Nov-2011)
 
Principal balance: $6,537.57 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off existing debts

My financial situation:
I am a good candidate for this loan because I thrive to make my payments on time and up to date.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 634619
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $470.87
 
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: Sep-1995 Debt/Income ratio: 31%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,584Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: No  
Screen name: brightest-value-associate Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to...Expand my small business boutique business. I now have 3 booths and this will enable me to have more revolving cash flow for merchandise.

My financial situation:
I am a good candidate for this loan because...I pay ALL my bills on time and have never defaulted on anything I've ever had a loan on.


Monthly net income: $5000
Monthly expenses: $705
Housing: $
Insurance: $100
Car expenses: $1200
Utilities: $
Phone, cable, internet: $
Food, entertainment: $500
Clothing, household expenses: $250
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635117
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 4.49%  
Term: 36 months  
 
Lender yield: 13.14% Borrower rate/APR: 14.14% / 17.75% Monthly payment: $239.72
 
Lender servicing fee: 1.00% Effective Yield*: 12.92%  
Estimated return*: 8.43%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-1992 Debt/Income ratio: 29%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,526Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: No  
Screen name: enrique326 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
760-779 (Jul-2010)
780-799 (Jun-2010)
720-739 (Mar-2008)
 
Principal balance: $3,834.59 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Debt consolidation
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636305
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 4.74%  
Term: 36 months  
 
Lender yield: 13.59% Borrower rate/APR: 14.59% / 18.21% Monthly payment: $448.04
 
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: Nov-1994 Debt/Income ratio: 20%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 18Length of status:24y 4m
Amount delinquent: $0 Total credit lines: 34 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $37,445Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: reflective-justice866 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
Eliminate high interest credit cards

My financial situation:
Same employer for 24 years, Same residence for 16 years, Excellent payment history.


Monthly net income: $6500
Monthly expenses: $4500
Housing: $1835
Insurance: $170
Car expenses: $300
Utilities: $200
Phone, cable, internet: $250
Food, entertainment: $600
Clothing, household expenses: $200
Credit cards and other loans: $600
Other expenses: $345
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636353
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Feb-1994 Debt/Income ratio: 31%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 10 / 9Length of status:22y 5m
Amount delinquent: $10,367 Total credit lines: 35 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,550Stated income:$25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: emokec 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 taxes

My financial situation:
I am a good candidate for this loan because...i will pay it back


Monthly net income: $2500.00
Monthly expenses: $
Housing: $800
Insurance: 50.00
Car expenses: 0.00 $
Utilities: $300.00
Phone, cable, internet: $150.00
Food, entertainment: $200.00
Clothing, household expenses: $50.00
Credit cards and other loans: $
Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636663
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $381.85
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 11.23%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-2000 Debt/Income ratio: 42%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 19 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,873Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 53%  
   Homeownership: No  
Screen name: newest-worth-plasma Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Pay off credit cards and real estate investment & home based business investment.
This loan will be used to...

My financial situation:
I am a good candidate for this loan because... I pay may debts on time and I have a proven financial strategy to bring lasting increase & freedom.


Monthly net income: $ 2,400
Monthly expenses: $
Housing: $ 500
Insurance: $ 100
Car expenses: $ 300
Utilities: $ 80
Phone, cable, internet: $ 75
Food, entertainment: $ 100
Clothing, household expenses: $ 50
Credit cards and other loans: $ 250
Other expenses: $
water: $10
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636963
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.49% Borrower rate/APR: 24.49% / 28.34% Monthly payment: $276.43
 
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: May-1998 Debt/Income ratio: 22%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 7 / 4Length of status:11y 5m
Amount delinquent: $880 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 8 Revolving credit balance: $3,027Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 93%  
   Homeownership: Yes  
Screen name: velocity-statue3 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off credit card and my wife's tuition.

My financial situation:
I am a good candidate for this loan because my income in not taxable so $73,000 is really net


Monthly net income: $ 6083
Monthly expenses: $
Housing: $1357 includes home owner insurance
Insurance: $
Car expenses: $ 652
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: Will be zero
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637307
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Dec-2005 Debt/Income ratio: 20%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,285Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: compassion-trumpet625 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to... pay off high credit card debt incurred from remodeling my home

My financial situation:
I am a good candidate for this loan because... I pay all my bills on time and I make sure my bills are paid before my entertainment begins. I am a hard worker and very responsible I handle customer service, Safety and the Environmental Hazardous waste for our company.


Monthly net income: $6000
Monthly expenses: 2500
Housing: $1022
Insurance: $75
Car expenses: $250
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $250
Clothing, household expenses: $0
Credit cards and other loans: $325
Other expenses: $
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637823
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,200.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,940 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $132.37
 
Lender servicing fee: 1.00% Effective Yield*: 7.39%  
Estimated return*: 5.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-2000 Debt/Income ratio: 35%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 25 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,429Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: Yes  
Screen name: hope-delight96 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off my debt

My financial situation:
I am a good candidate for this loan because...
I am a professional firefighter paramedic for 5 years and have excellent credit history. I am requesting this load because I am going through a divorce and trying to make sure that I continue to keep my credit in good standing by consolidating my bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638173
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 13.75%  
Term: 36 months  
 
Lender yield: 27.39% Borrower rate/APR: 28.39% / 32.33% Monthly payment: $124.72
 
Lender servicing fee: 1.00% Effective Yield*: 26.14%  
Estimated return*: 12.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-2005 Debt/Income ratio: 5%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 1Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $166Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: sturdy-dime783 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
Boat
Purpose of loan: Purchase
This loan will be used to...Make a purchase

My financial situation: Good
I am a good candidate for this loan because...I will make my payments on time!


Monthly net income: $ 2880
Monthly expenses: $ 300
Housing: $ 700
Insurance: $ 150
Car expenses: $ 0
Utilities: $ 200
Phone, cable, internet: $ 100
Food, entertainment: $ 300
Clothing, household expenses: $ 200
Credit cards and other loans: $ 0
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638303
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $8,500 Estimated loss*: 11.25%  
Term: 60 months  
 
Lender yield: 27.04% Borrower rate/APR: 28.04% / 30.70% Monthly payment: $264.86
 
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: Sep-1999 Debt/Income ratio: 20%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49Stated income:$50,000-$74,999
Delinquencies in last 7y: 18 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: first-sweet-deal Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...Pay off medical bills, car payment, and other outstanding debts

My financial situation: I have recently moved and acquired a higher paying job. I would like to have one monthly payment and to pay back all debts incurred in the transition.
I am a good candidate for this loan because...I make more than enough money to cover the monthly payment and would be happy for this to be automatically withdrawn such that no payments are received late.


Monthly net income: $3800
Monthly expenses: $1960
Housing: $950
Insurance: $50
Car expenses: $160
Utilities: $120
Phone, cable, internet: $30
Food, entertainment: $550
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638363
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.21%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-2007 Debt/Income ratio: 40%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 11 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,673Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%  
   Homeownership: No  
Screen name: alert67 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
Large Purchases
Purpose of loan:
This loan will be used to

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


Monthly net income: $ 687.00
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638375
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $447.13
 
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: Sep-2001 Debt/Income ratio: 9%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 11 Occupation: Professor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,680Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: payment-fate4 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
Loan for Infertility treatment(IVF)
Purpose of loan:
This loan will be used to pay for infertility treatment for my wife so we can grow our family

My financial situation:
I am a good candidate for this loan because I am currently employed as an Associate Professor of a Business School for four years, and I have a strong annual income.


Monthly net income: $7,300
Monthly expenses: $4,150
Housing: $1400
Insurance: $170
Car expenses: $280
Utilities: $150
Phone, cable, internet: $350
Food, entertainment: $800
Clothing, household expenses: $150
Credit cards and other loans: $850
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638385
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.25%  
Term: 60 months  
 
Lender yield: 27.04% Borrower rate/APR: 28.04% / 30.70% Monthly payment: $311.60
 
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): 6 First credit line: Dec-2005 Debt/Income ratio: 25%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,104Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: contract-revolutionary2 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: Consolidate credit card debt / Raise my credit score
This loan will be used to payoff current credit card debt in order to lower my credit card utilization (currently 96%, would like to keep it under 30% permanently) which will hopefully help raise my credit score in the future.

My financial situation: I am employed full time with consistent income (w-2 income/salary).
I am a good candidate for this loan because I will have been with the same employer for 3 years this December. I want this loan so I can reduce my credit card utilization which is currently very high and it is negatively affecting my credit score. I can afford the payments and I always pay my bills on time.

Monthly gross income: $2558.40
Monthly net income: $869.40
Monthly expenses: $1689
Housing: $749 mortgage payment {PITI - 15 year term @ 3.50%}
Insurance: ${Car insurance $300 due bi-annually, I choose to pay in full}
Car expenses: $0 {I own my car free & clear - 2000 land rover discovery}
Utilities: $120
Phone, cable, internet: $120
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $300 {total current credit card payments}
Other expenses: ${Condo HOA $300 due quarterly but I choose pay in full $1200 annually so I don't have to worry about payments}
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638397
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: Dec-1991 Debt/Income ratio: 28%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:6y 2m
Amount delinquent: $0 Total credit lines: 10 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,828Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: peace-igloo6 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...consolidate some debt

My financial situation:
I am a good candidate for this loan because...i always make my payments


Monthly net income: $1700.00
Monthly expenses: $
Housing: $435.00
Insurance: $
Car expenses: $
Utilities: $50.00
Phone, cable, internet: $150.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loan
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638427
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 0.99%  
Term: 36 months  
 
Lender yield: 6.49% Borrower rate/APR: 7.49% / 8.83% Monthly payment: $311.02
 
Lender servicing fee: 1.00% Effective Yield*: 6.49%  
Estimated return*: 5.50%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Aug-1991 Debt/Income ratio: 15%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:12y 1m
Amount delinquent: $0 Total credit lines: 35 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,652Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: revenue-serenity 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
Investment
Purpose of loan:
This loan will be used as an investment with yield exceeding that of the loan cost.

My financial situation:
I am a good candidate for this loan because I have been a prosper lender for several years and have demonstrated consistent returns on prosper and other investments. I also have an excellent personal credit rating and am a home owner since 2003. My only regular expenses consist of a mortgage and one car payment which I look to pay off later this year.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638471
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 16.75%  
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*: 12.21%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1994 Debt/Income ratio: 3%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 2 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: new-affluence-plato Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Dental
Purpose of loan:
This loan will be used to...pay medical and dental bills

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638481
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $8,050 Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 21.18% Borrower rate/APR: 22.18% / 24.68% Monthly payment: $318.80
 
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: Nov-1999 Debt/Income ratio: 16%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 7Length of status:6y 1m
Amount delinquent: $300 Total credit lines: 34 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,968Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: thoughtful-truth222 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
Motorcycle
Purpose of loan:
To get a Motorcycle

My financial situation:
I am a good candidate for this loan because, I have a stable job and always pay my bills on time


Monthly net income: $3,000
Monthly expenses: $200
Housing: $600
Insurance: $120
Car expenses: $400
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638531
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $257.16
 
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: Apr-2001 Debt/Income ratio: 18%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 11 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,739Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: subtle-trade6 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 21 ( 100% ) 700-719 (Latest)
Principal borrowed: $5,800.00< 31 days late: 0 ( 0% )  
760-779 (Nov-2010)
 
Principal balance: $2,649.75 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
Interest is eating me alive!
Purpose of loan:
This loan will be used to consolidate all of my remaining credit card debt. The current rates on the accounts were set before the CARD Act of 2009 and are almost triple what is available in this marketplace. I've already had an outstanding experience with Prosper, and would love to continue my relationship with this community.

My financial situation:
I am a GREAT candidate for this loan because I have a stable job in a growing sector. This new job was a major advance in my career and has essentially doubled my income. With automatic payments through Prosper, I can keep myself on track to kick the credit cards once and for all... and you are guaranteed a steady return on a modest investment!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638543
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $171.83
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 11.23%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1983 Debt/Income ratio: Not calculated
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 1 / 1Length of status:22y 4m
Amount delinquent: $0 Total credit lines: 16Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,284 
Delinquencies in last 7y: 3 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: vivid-peace3 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
Other
Purpose of loan:
This loan will be used to...pay off my vehicle

My financial situation:
I am a good candidate for this loan because...it will help me get my finances in order
and I promise it will get paid back.I have never had to borrowed money from any
place before I need this help thank you

Monthly net income: $718.00
Monthly expenses: $300.00
Housing: $
Insurance: $23.00
Car expenses: $42.00 Insurance
Utilities: $
Phone, cable, internet: $52.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638549
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $17,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 23.98% Borrower rate/APR: 24.98% / 27.55% Monthly payment: $513.44
 
Lender servicing fee: 1.00% Effective Yield*: 23.41%  
Estimated return*: 14.92%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-2000 Debt/Income ratio: 17%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $100Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: chris81 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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

Monthly net income: $7000.00
Monthly expenses: $3400
Housing: $1490
Insurance: $102
Car expenses: $660
Utilities: $300
Phone, cable, internet: $140
Food, entertainment: $425
Clothing, household expenses: $200
Credit cards and other loans: $10000
Other expenses: 0 $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638609
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 6.49%  
Term: 60 months  
 
Lender yield: 21.18% Borrower rate/APR: 22.18% / 24.68% Monthly payment: $554.43
 
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: Nov-2006 Debt/Income ratio: 11%
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:4y 8m
Amount delinquent: $0 Total credit lines: 12 Occupation: Landscaping
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,908Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: No  
Screen name: lempenski1 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

My financial situation:
I am a good candidate for this loan because...I take my credit very seriously. I have a very strong income.


Monthly net income: $8000
Monthly expenses: $
Housing: $0
Insurance: $200
Car expenses: $0
Utilities: $200
Phone, cable, internet: $85
Food, entertainment: $1000
Clothing, household expenses: $250
Credit cards and other loans: $450
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638637
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: $4,000 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $152.74
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 11.23%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2001 Debt/Income ratio: 35%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 15Length of status:11y 1m
Amount delinquent: $0 Total credit lines: 39 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,212Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: Yes  
Screen name: burgeoning-finance8 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...Pay off loans quicker. Get out of debt.

My financial situation: Solid
I am a good candidate for this loan because...I have never been late on a payment in my life.


Monthly net income: $4864
Monthly expenses: $
Housing: $1170
Insurance: $
Car expenses: $650
Utilities: $240
Phone, cable, internet: $40
Food, entertainment: $900
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638851
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 60 months  
 
Lender yield: 23.33% Borrower rate/APR: 24.33% / 26.89% Monthly payment: $434.40
 
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: Feb-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,042Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: loot-merry-maker7 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Consolidate 4 credit cards
This loan will be used to.Consolidate 4 credit cards.

My financial situation: Good
I am a good candidate for this loan because.I have been earning money as an author since 2005. I have 8 books already published and a 9th one coming out next year. I am not self-published. My publisher is Orbit Hachette Book Group, which is a large publishing company. I have never late on my bills now and the laon will reduce my credit card payments form a minimum of $900 a month to $430 a month.


Monthly net income: $7500
Monthly expenses: $
Housing: $1000
Insurance: $300
Car expenses: $100
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $500
Clothing, household expenses: $500
Credit cards and other loans: $900
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 639037
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $565.05
 
Lender servicing fee: 1.00% Effective Yield*: 19.52%  
Estimated return*: 11.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Oct-2002 Debt/Income ratio: 19%
Credit score: 780-799 (Aug-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:7y 5m
Amount delinquent: $0 Total credit lines: 27 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,665Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: forthright-worth2 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
Other
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 639073
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $267.89
 
Lender servicing fee: 1.00% Effective Yield*: 7.39%  
Estimated return*: 5.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Sep-1972 Debt/Income ratio: 22%
Credit score: 780-799 (Sep-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:9y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,475Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 47%  
   Homeownership: No  
Screen name: repayment-point876 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
Purpose of loan:
This loan will be used to...pay an existing credit card loan (Discover)

My financial situation:
I am a good candidate for this loan because...of my credit history and retirement income is steady.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 639103
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.71%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Aug-2001 Debt/Income ratio: 46%
Credit score: 740-759 (Aug-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 29 / 28Length of status:5y 0m
Amount delinquent: $0 Total credit lines: 70 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,213Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: bold-keen-commerce1 Borrower's state: RhodeIsland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
STARTING A NEW BUSINESS
Purpose of loan: To purchase a rehab property
This loan will be used to...Purchase material

My financial situation:
I am a good candidate for this loan because...I have the means to pay the loan back. I currently have about 69k in my money market account.


Monthly net income: $2900
Monthly expenses: $1514
Housing: $ 440
Insurance: $107
Car expenses: $318
Utilities: $100
Phone, cable, internet: $99
Food, entertainment: $100
Clothing, household expenses: $150
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 639109
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,320.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,320 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $100.75
 
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-2008 Debt/Income ratio: Not calculated
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 3m
Amount delinquent: $0 Total credit lines: 11 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,186Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: No  
Screen name: RMull 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/ Exam Payments
Purpose of loan: Debt Consolidation
This loan will be used to... Consolidate all debts and pay for certification/actuarial exams

My financial situation: Strong
I am a good candidate for this loan because...This loan will consolidate all of my payments into one loan and also jump start my future by allowing me to take Actuarial and Teacher Certification exams which will increase my pay scale as well. I am also supported financially by other family members.


Monthly net income: $1000
Monthly expenses: $100
Housing: $250
Insurance: $0
Car expenses: $0
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $250
Clothing, household expenses: $50
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 639121
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 0.74%  
Term: 36 months  
 
Lender yield: 6.24% Borrower rate/APR: 7.24% / 8.58% Monthly payment: $232.40
 
Lender servicing fee: 1.00% Effective Yield*: 6.24%  
Estimated return*: 5.50%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: May-1989 Debt/Income ratio: 18%
Credit score: 820-839 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 34 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,923Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: Foothill-Paradise Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 820-839 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
860-879 (Feb-2012)
 
Principal balance: $1,886.20 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Home improvement
Purpose of loan:
This loan will be used to...make minor repairs to my home.

My financial situation:
I am a good candidate for this loan because...we make excellent money and pay bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 639151
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.21%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1987 Debt/Income ratio: 32%
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 10Length of status:9y 10m
Amount delinquent: $0 Total credit lines: 31 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $149,465Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%  
   Homeownership: Yes  
Screen name: gold-control Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Dental
Purpose of loan:
This loan will be used to...
Pay for medical expenses.
My financial situation:
I am a good candidate for this loan because...
I pay all bills on time.

Monthly net income: $6500
Monthly expenses: $
Housing: $1500
Insurance: $20
Car expenses: $250
Utilities: $100
Phone, cable, internet: $75
Food, entertainment: $350
Clothing, household expenses: $100
Credit cards and other loans: $1400
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 639175
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $533.22
 
Lender servicing fee: 1.00% Effective Yield*: 15.52%  
Estimated return*: 9.53%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-1983 Debt/Income ratio: 10%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:15y 10m
Amount delinquent: $0 Total credit lines: 31 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $179,432Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: awesome-velocity3 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...Home Renovation

My financial situation:
I am a good candidate for this loan because I have a high annual income of $190,000 (salary + bonus). the company i work for is doing very well and I always pay back my loans


Monthly net income: $6800
Monthly expenses: $
Housing: $2134
Insurance: $220
Car expenses: $0
Utilities: $250
Phone, cable, internet: $140
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 639205
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $72.04
 
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: Nov-1993 Debt/Income ratio: 5%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 3Length of status:23y 7m
Amount delinquent: $1,542 Total credit lines: 18 Occupation: Civil Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,038Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: return-kahuna9 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Dental
Purpose of loan:
This loan will be used to...
Medical Exspenses
My financial situation:
I am a good candidate for this loan because...
I am responsible with my bills and pay on time

Monthly net income: $ 5400.00
Monthly expenses: $ 2800
Housing: $1100
Insurance: $109.00
Car expenses: $250.00
Utilities: $200.00
Phone, cable, internet: $ 96.00
Food, entertainment: $ 400.00
Clothing, household expenses: $ 120.00
Credit cards and other loans: $ 325.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 632190
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,800.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,800 Estimated loss*: 9.25%  
Term: 60 months  
 
Lender yield: 24.73% Borrower rate/APR: 25.73% / 28.32% Monthly payment: $172.73
 
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: Jan-2008 Debt/Income ratio: 11%
Credit score: 740-759 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 5 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: the-marketplace-magnate 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
Auto
Purpose of loan:
This loan will be used to...Purchase a vehicle

My financial situation:
I am a good candidate for this loan because...My credit score is very good. I have very little credit card debt. I don't rent or own my own property, so I don't have any high expenses at all. I live at home with my parents and have lived there the last 22 years. I am very cautious with my finances and will have no problem repaying the requested loan.


Monthly net income: $1400.00
Monthly expenses: $
Housing: $0
Insurance: $95(if approved for this loan) otherwise $0
Car expenses: $50/month(if approved for this loan)
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $50/month
Clothing, household expenses: $25/month
Credit cards and other loans: $30/month
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 635632
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.25%  
Term: 12 months  
 
Lender yield: 22.10% Borrower rate/APR: 23.10% / 31.03% Monthly payment: $376.50
 
Lender servicing fee: 1.00% Effective Yield*: 21.11%  
Estimated return*: 6.86%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-2000 Debt/Income ratio: 17%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 5Length of status:3y 4m
Amount delinquent: $7,934 Total credit lines: 45 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $267Stated income:$75,000-$99,999
Delinquencies in last 7y: 39 Bankcard utilization: 38%  
   Homeownership: Yes  
Screen name: wise-dime-gazelle Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay down high interest debt

My financial situation:
I am a good candidate for this loan because I am working hard at rebuilding my credit


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636338
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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): 5 First credit line: Apr-1983 Debt/Income ratio: 24%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 20 / 18Length of status:24y 4m
Amount delinquent: $85 Total credit lines: 38 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,382Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: charmer336 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636470
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $72.04
 
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: Oct-1994 Debt/Income ratio: 2%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 3 Current / open credit lines: 1 / 1Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 16 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,085Stated income:$75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: the-duty-piccolo Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Motorcycle
Purpose of loan:
This loan will be used to...buy A used motorcycle

My financial situation:
I am a good candidate for this loan because...I have a good stable job and I have always tried to repay my loans


Monthly net income: $ 35.00
Monthly expenses: $ 100.00
Housing: $499.99
Insurance: $ 200.00
Car expenses: $ paid off
Utilities: $ 200.00
Phone, cable, internet: $ 75.00
Food, entertainment: $ 300
Clothing, household expenses: $
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638240
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $572.78
 
Lender servicing fee: 1.00% Effective Yield*: 20.48%  
Estimated return*: 11.23%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1996 Debt/Income ratio: 19%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,448Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: ore-sensation372 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638340
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.75%  
Term: 36 months  
 
Lender yield: 28.69% Borrower rate/APR: 29.69% / 33.67% Monthly payment: $147.99
 
Lender servicing fee: 1.00% Effective Yield*: 27.38%  
Estimated return*: 12.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1997 Debt/Income ratio: 26%
Credit score: 760-779 (Sep-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 7Length of status:17y 5m
Amount delinquent: $0 Total credit lines: 36 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,000Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: thorough-responsibility1 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Personal use
Purpose of loan:
This loan will be used to...personal use

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


Monthly net income: $3100.00
Monthly expenses: $150.00
Housing: $1252.00
Insurance: $30.00
Car expenses: $0.00
Utilities: room mate pays
Phone, cable, internet: $0.00
Food, entertainment: $200.00
Clothing, household expenses: $50.00
Credit cards and other loans: $31.00
Other expenses: 75.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638418
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $113.01
 
Lender servicing fee: 1.00% Effective Yield*: 19.52%  
Estimated return*: 11.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 3Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 8 / 8Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 48 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,492Stated income:$100,000+
Delinquencies in last 7y: 3 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: unbeatable-compassion048 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638520
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $787.91
 
Lender servicing fee: 1.00% Effective Yield*: 7.39%  
Estimated return*: 5.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Mar-1993 Debt/Income ratio: 13%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 15 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,154Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: first-sturdy-gain 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 credit card debt accumulated when we built our house 6 years ago and not been able to finance at a reasonable rate due to the financial situation in the country and our credit (affected by having too high credit card balances, of course).

My financial situation:
I am a good candidate for this loan because we are a very stable family and financial situation with 2 jobs and a support network to lean on to meet all of our obligations.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638622
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 4.74%  
Term: 60 months  
 
Lender yield: 17.97% Borrower rate/APR: 18.97% / 21.39% Monthly payment: $648.10
 
Lender servicing fee: 1.00% Effective Yield*: 17.66%  
Estimated return*: 12.92%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jul-2003 Debt/Income ratio: 27%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:6y 11m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,245Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: No  
Screen name: capital-sensation0 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 credit card debt and consolidate my payments

My financial situation:
I am a good candidate for this loan because I have never missed a payment on anything before. I pay bills. I have a steady job in a strong industry. I have worked here 7 years.


Monthly net income: $2500
Monthly expenses: $
Housing: $685
Insurance: $156
Car expenses: $239
Utilities: $100
Phone, cable, internet: $143
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638842
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 28.96%  
Estimated return*: 12.21%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1989 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Sep-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 8 / 6Length of status:9y 6m
Amount delinquent: $1,119 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 11 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: camaraderi-linkage150 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Cupcake Amore LLC
Purpose of loan:
This loan will be used for start up costs involved in opening Cupake Amore LLC.

My financial situation:
I am a good candidate for this loan because I have owned other business and ran them successfuly. Also, cupcakes are the "in thing" and I already have a customer base.


Monthly net income: $41,988
Monthly expenses: $900
Housing: $0
Insurance: $0
Car expenses: $50
Utilities: $0
Phone, cable, internet: $160
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $50
Other expenses: $240
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 638950
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $9,000 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $283.65
 
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: Feb-2002 Debt/Income ratio: 14%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:4y 0m
Amount delinquent: $0 Total credit lines: 20 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,743Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: jayhawk9929 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
Looking to get a decent APR and pay off some high intrest credit cards. I have had them since college and cant seem to get caught up.
I am a good candidate for this loan as I never miss payments and have been employed with the same company for over 4 years. My career prospects are good and I intend to pay the loan off faster then the terms set forth.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 639112
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 13.75%  
Term: 36 months  
 
Lender yield: 27.39% Borrower rate/APR: 28.39% / 32.33% Monthly payment: $145.51
 
Lender servicing fee: 1.00% Effective Yield*: 26.14%  
Estimated return*: 12.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Feb-1999 Debt/Income ratio: 14%
Credit score: 640-659 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:1y 4m
Amount delinquent: $0 Total credit lines: 23 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,821Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 63%  
   Homeownership: No  
Screen name: blissful-integrity935 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: pay off bills
This loan will be used to..pay off bills to have one low monthly payment.

My financial situation:
I am a good candidate for this loan because... I have a great paying stable job and will be able to pay this loan off in no time at all.


Monthly net income: $4200.00
Monthly expenses: $
Housing: $0
Insurance: $52.00
Car expenses: $236
Utilities: $190
Phone, cable, internet: $100
Food, entertainment: $125
Clothing, household expenses: $50
Credit cards and other loans: $50 if I get this loan.
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 639190
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 11.75%  
Term: 36 months  
 
Lender yield: 24.24% Borrower rate/APR: 25.24% / 29.11% Monthly payment: $119.66
 
Lender servicing fee: 1.00% Effective Yield*: 23.64%  
Estimated return*: 11.89%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1999 Debt/Income ratio: Not calculated
Credit score: 660-679 (Sep-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:10y 4m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $10,849Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: mystical-hope699 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...

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


Monthly net income: $3166.00
Monthly expenses: $
Housing: $725.00
Insurance: $85.00
Car expenses: $40.00
Utilities: $150.00
Phone, cable, internet: $31.00
Food, entertainment: $450.00
Clothing, household expenses: $50.00
Credit cards and other loans: $150.00
Other expenses: $150.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 639214
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.75%  
Term: 36 months  
 
Lender yield: 28.69% Borrower rate/APR: 29.69% / 33.67% Monthly payment: $169.13
 
Lender servicing fee: 1.00% Effective Yield*: 27.38%  
Estimated return*: 12.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Aug-1986 Debt/Income ratio: 28%
Credit score: 620-639 (Sep-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 10Length of status:3y 10m
Amount delinquent: $71 Total credit lines: 38 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,553Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: rainbrella Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 25 ( 100% ) 620-639 (Latest)
Principal borrowed: $9,000.00< 31 days late: 0 ( 0% )  
640-659 (Nov-2010)
660-679 (Aug-2009)
640-659 (Jul-2009)
620-639 (Oct-2008)
 
Principal balance: $1,586.23 31+ days late: 0 ( 0% )
Total payments billed: 25  
Description
Home improvements 3rd Prosper loan
Purpose of loan: Home improvement
This loan will be used to make several improvements to my home.

My financial situation: I am working both a full time and a part time job. My take home pay is $4,000/monthly
I am a good candidate for this loan because this will be my 3rd Prosper loan and I have never been late with my payments.


Monthly net income: $4000
Monthly expenses:
Housing: $900
Insurance: $150
Car expenses: $200
Utilities: $200
Phone, cable, internet: $175
Food, entertainment: $600
Clothing, household expenses: varies
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.