Listing Report:Supplement No. 15 dated Oct 15, 2012 to Prospectus dated Oct 05, 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 Oct 05, 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 Oct 05, 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 621502
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: A Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $241.09
 
Lender servicing fee: 1.00% Effective Yield*: 8.49%  
Estimated return*: 6.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1990 Debt/Income ratio: 19%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:4y 3m
Amount delinquent: $0 Total credit lines: 25 Occupation: Tradesman - Electri...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,587Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: Horatio Borrower's state: Maryland Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 4 On-time: 44 ( 100% ) 720-739 (Latest)
Principal borrowed: $26,900.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2011)
700-719 (Jul-2009)
700-719 (Dec-2007)
720-739 (Feb-2007)
 
Principal balance: $3,366.80 31+ days late: 0 ( 0% )
Total payments billed: 44  
Description
Other
Purpose of loan: Replace emergency fund.
Need to replace a self destructed transmisson on my 2007 Explorer with 97000 mi on it.
The money came from my emergency fund, the loan will be used to replace the cash I used.

My financial situation:
This is my fifth Prosper loan. I have a current loan from prosper.
I do not have car payments.
My mortgage is $877.00 a month including escrow.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 637374
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,900.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $5,530 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $280.83
 
Lender servicing fee: 1.00% Effective Yield*: 14.87%  
Estimated return*: 8.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1988 Debt/Income ratio: 22%
Credit score: 760-779 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:29y 8m
Amount delinquent: $0 Total credit lines: 26 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,216Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: wise-camaraderi-raker Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Taxes
Purpose of loan:
This loan will be used to...pay off property taxes

My financial situation:
I am a good candidate for this loan because...I have a solid job which I have been in for 29 years and I have always paid what I have owed.


Monthly net income: $2912
Monthly expenses: $1700
Housing: $0
Insurance: $
Car expenses: $
Utilities: $126
Phone, cable, internet: $225
Food, entertainment: $350
Clothing, household expenses: $
Credit cards and other loans: $1026
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 651302
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,500 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.92% Borrower rate/APR: 24.92% / 28.78% Monthly payment: $258.16
 
Lender servicing fee: 1.00% Effective Yield*: 21.90%  
Estimated return*: 10.65%  
* 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): 7 First credit line: Oct-1996 Debt/Income ratio: 16%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:21y 4m
Amount delinquent: $0 Total credit lines: 12 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $2,675Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: breathtaking-rupee 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
The Beginning to prosper
Purpose of loan:
This loan will be used to...

My financial situation: With my change in employment classification, I have earned in 8 months more than the entire last year.
I am a good candidate for this loan because...my FICO scores have continued to climb in the last 60 months and my financial goals are prospering.


Monthly net income: $ 9833
Monthly expenses: $ 3940
Housing: $ 1100
Insurance: $ 450
Car expenses: $ 420
Utilities: $ 280
Phone, cable, internet: $ 235
Food, entertainment: $ 510
Clothing, household expenses: $ 275
Credit cards and other loans: $ 320
Other expenses: $ 350
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 651624
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $451.24
 
Lender servicing fee: 1.00% Effective Yield*: 23.20%  
Estimated return*: 12.95%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1983 Debt/Income ratio: 400%
Credit score: 820-839 (Oct-2012) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $452Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: note-circuit0 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
Large Purchases
Purpose of loan:
This loan will be used to purchase new furnishings for my home.

My financial situation:
I am a good candidate for this loan because I recently paid off all of my debt and have a very good credit history. I live with my daughter in a mother/daughter home and do not have any expenses outside of monthly groceries and cable/telephone/internet.


Monthly net income: $2,165.00
Monthly expenses: $
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $181.00
Food, entertainment: $0
Cothing, household expenses: $250
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653102
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $76.37
 
Lender servicing fee: 1.00% Effective Yield*: 19.37%  
Estimated return*: 10.12%  
* 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: May-1977 Debt/Income ratio: 27%
Credit score: 760-779 (Oct-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,615Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: Yes  
Screen name: impartial-wampum5 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...to bad off some small bills

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


Monthly net income: $ 3600
Monthly expenses: $200
Housing: $611
Insurance: $200
Car expenses: $320
Utilities: $250
Phone, cable, internet: $168
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653316
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $162.10
 
Lender servicing fee: 1.00% Effective Yield*: 15.71%  
Estimated return*: 9.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-2003 Debt/Income ratio: Not calculated
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 12 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,577Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: bonafide-agreement8 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
Motorcycle Purchase - Need ASAP
Purpose of loan: Finance a motorcycle purchase

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


Monthly net income: $3000
Monthly expenses: $1500
Housing: $ 1200
Insurance: $0
Car expenses: $0
Utilities: $50
Phone, cable, internet: $30
Food, entertainment: $120
Clothing, household expenses: $0
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653350
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 5.49%  
Term: 60 months  
 
Lender yield: 18.39% Borrower rate/APR: 19.39% / 21.82% Monthly payment: $392.33
 
Lender servicing fee: 1.00% Effective Yield*: 17.39%  
Estimated return*: 11.90%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1987 Debt/Income ratio: 42%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 20Length of status:18y 1m
Amount delinquent: $0 Total credit lines: 56 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $47,661Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: ethical-benefit3 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653766
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 27.99%  
Estimated return*: 11.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Aug-1994 Debt/Income ratio: 20%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,157Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: deal-doughnut2 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate credit card loans.

My financial situation:
I am a good candidate for this loan because I am in good credit standing and am steadily employed.


Monthly net income: $6653
Monthly expenses: $
Housing: $3720
Insurance: $220
Car expenses: $500
Utilities: $30
Phone, cable, internet: $130
Food, entertainment: 200
Clothing, household expenses: $100
Credit cards and other loans: $1116
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653786
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.92% Borrower rate/APR: 24.92% / 28.78% Monthly payment: $158.87
 
Lender servicing fee: 1.00% Effective Yield*: 21.90%  
Estimated return*: 10.65%  
* 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): 7 First credit line: Sep-1991 Debt/Income ratio: 0%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 4Length of status:2y 1m
Amount delinquent: $100 Total credit lines: 14 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,942Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: indomitable-dinero28 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $20,400.00
Monthly expenses: $1000.00
Housing: $543.00
Insurance: $83.00
Car expenses:$80.00
Utilities: $105.00
Phone, cable, internet: $69.00
Food, entertainment: $120.00
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653826
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 27.99%  
Estimated return*: 11.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1994 Debt/Income ratio: 15%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 11Employment status:Employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 23 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,124Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: asset-euphoria2 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
Moving Kim
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653832
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 27.99%  
Estimated return*: 11.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2000 Debt/Income ratio: 7%
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 6 / 6Length of status:15y 10m
Amount delinquent: $671 Total credit lines: 21 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,222Stated income:$75,000-$99,999
Delinquencies in last 7y: 7 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: neighborly-credit730 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
Purpose of loan:
This loan will be used to...

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


Monthly net income: $ 6000.00
Monthly expenses: $500.00
Housing: $840.00
Insurance: $140.00
Car expenses: $100.00
Utilities: $300.00
Phone, cable, internet: $175.00
Food, entertainment: $
Clothing, household expenses: $200.00
Credit cards and other loans: $650.00
Other expenses: $
100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 27.99%  
Estimated return*: 11.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2007 Debt/Income ratio: Not calculated
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,891Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: No  
Screen name: WakeGrad2013 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 help consolidate my credit cards into a lowered interest rate.

My financial situation:
I am a good candidate for this loan because I am a hard worker and believe in paying my debts in a timely manner. I want the opportunity to better my life and to stress less about paying off my credit card bills. By consolidating my credit cards I will be able to work towards successfully improving my credit score.


Monthly net income: $1,200
Monthly expenses: $
Housing: $560.00
Insurance: $
Car expenses: $100.00
Utilities: $100.00
Phone, cable, internet: $35.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $400.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653886
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,800.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $13,800 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $443.60
 
Lender servicing fee: 1.00% Effective Yield*: 8.49%  
Estimated return*: 6.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1995 Debt/Income ratio: 11%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:17y 11m
Amount delinquent: $0 Total credit lines: 38 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,080Stated income:$100,000+
Delinquencies in last 7y: 13 Bankcard utilization: 14%  
   Homeownership: No  
Screen name: trade-musician 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 / 2 On-time: 29 ( 100% ) 720-739 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
740-759 (Oct-2011)
760-779 (Mar-2011)
 
Principal balance: $2.24 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Photo Equipment
Purpose of loan:
This loan will be used to expand my side job photography business.

My financial situation:
I am a good candidate for this loan because I have an excellent track record of repayment having had 2 past paid in full loans (over $12k) with prosper to get my photo business started. Employed with my full time job over 17yrs with annual earning just over $100k.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653898
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: A Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 3.74%  
Term: 60 months  
 
Lender yield: 14.64% Borrower rate/APR: 15.64% / 17.98% Monthly payment: $108.57
 
Lender servicing fee: 1.00% Effective Yield*: 14.06%  
Estimated return*: 10.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-1999 Debt/Income ratio: Not calculated
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: repayment-patriot2 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 5 ( 100% ) 740-759 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
800-819 (Nov-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 5  
Description
Home Improvement
Purpose of loan:
Put in a driveway for the second car & mend a fence
My financial situation:
I am a good candidate for this loan because I paid the last one ($4000) off in 5 months, I'm financially responsible & stable, etc, etc. Besides, I feel it worked out mutually for both of us.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653918
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.25%  
Term: 36 months  
 
Lender yield: 28.32% Borrower rate/APR: 29.32% / 33.29% Monthly payment: $168.32
 
Lender servicing fee: 1.00% Effective Yield*: 25.75%  
Estimated return*: 11.50%  
* 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): 6 First credit line: Nov-1998 Debt/Income ratio: 10%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:22y 8m
Amount delinquent: $0 Total credit lines: 17 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,440Stated income:$25,000-$49,999
Delinquencies in last 7y: 19 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: worth-beeper7 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 bills

My financial situation:
I am a good candidate for this loan because...I am tryind to rebuild my life and credit


Monthly net income: $2800
Monthly expenses: $350
Housing: $440
Insurance: $included in paycheck
Car expenses: $0
Utilities: $40
Phone, cable, internet: $50
Food, entertainment: $200
Clothing, household expenses: $30
Credit cards and other loans: $350
Other expenses: $0
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653924
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $545.30
 
Lender servicing fee: 1.00% Effective Yield*: 20.64%  
Estimated return*: 10.39%  
* 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): 3 First credit line: May-1999 Debt/Income ratio: 13%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,450Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: wonderwall 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 / 3 On-time: 56 ( 81% ) 660-679 (Latest)
Principal borrowed: $9,500.00< 31 days late: 13 ( 19% )  
620-639 (Apr-2011)
600-619 (Mar-2010)
520-539 (May-2008)
520-539 (Feb-2008)
 
Principal balance: $3,046.80 31+ days late: 0 ( 0% )
Total payments billed: 69  
Description
Auto
Purpose of loan: To finance a new vehicle for our growing family
This loan will be used to...purchase a Chevy Traverse as we recently added a third child to our family

My financial situation: Has improved significantly with a new job. At my prior employer, my annual income was just under $150,000 per year. At my new job, I have an annual base of 160,000 and a guaranteed minimum bonus amount (written into my contract) of 50,000, which is paid on September 30.

I am a good candidate for this loan because...my earning power has improved substantially and becuase I have never had a late payment on any account in my credit report


Monthly net income: $8740 (based only on base salary and not including guaranteed min. 50k bonus in September, 2013)
Monthly expenses: $7084
Housing: $2660
Insurance: $317
Car expenses: $332
Utilities: $750
Phone, cable, internet: $325
Food, entertainment: $1100
Clothing, household expenses: $450
Credit cards and other loans: $650
Other expenses: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653952
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 27.99%  
Estimated return*: 11.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1996 Debt/Income ratio: 35%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 31 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,517Stated income:$25,000-$49,999
Delinquencies in last 7y: 17 Bankcard utilization: 102%  
   Homeownership: No  
Screen name: unabashed-felicity4 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: $
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 653960
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 27.99%  
Estimated return*: 11.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: May-1995 Debt/Income ratio: 35%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:1y 1m
Amount delinquent: $18,483 Total credit lines: 15 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $439Stated income:$1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 23%  
   Homeownership: Yes  
Screen name: marketplace-fuse4 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Vacation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653994
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $19,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $13,300 Estimated loss*: 1.24%  
Term: 36 months  
 
Lender yield: 6.89% Borrower rate/APR: 7.89% / 9.23% Monthly payment: $594.43
 
Lender servicing fee: 1.00% Effective Yield*: 6.78%  
Estimated return*: 5.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1979 Debt/Income ratio: 13%
Credit score: 800-819 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 24 Occupation: Psychologist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,642Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: Yes  
Screen name: dynamic-loyalty18 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
Business
Purpose of loan:
This loan will be used to... start up my business. I am looking for funding to supply products for my online store.

My financial situation:
I am a good candidate for this loan because... I am responsible for all of my previous debts. I am looking to start my own business and I have already started the process. I have a steady annual income and I will be keeping my current job while I start my online business. Recently, I applied for a loan through Prosper and everything was accepted but they couldn?t read my license, which I now have sent in a color copy.
Thank you for your time!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654178
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: AA Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $393.96
 
Lender servicing fee: 1.00% Effective Yield*: 7.23%  
Estimated return*: 5.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-1988 Debt/Income ratio: 17%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,381Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: Yes  
Screen name: well-mannered-greenback1 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 all bills

My financial situation:
I am a good candidate for this loan because...
i am credit worthy
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654190
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,850 Estimated loss*: 2.74%  
Term: 60 months  
 
Lender yield: 11.71% Borrower rate/APR: 12.71% / 14.99% Monthly payment: $350.38
 
Lender servicing fee: 1.00% Effective Yield*: 11.35%  
Estimated return*: 8.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1988 Debt/Income ratio: 24%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 33 / 23Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 59 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,804Stated income:$100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 39%  
   Homeownership: Yes  
Screen name: unrivaled-leverage5 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 3 On-time: 20 ( 100% ) 700-719 (Latest)
Principal borrowed: $36,000.00< 31 days late: 0 ( 0% )  
700-719 (Nov-2011)
680-699 (Jun-2011)
720-739 (Jun-2010)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Consolidate some smaller credit cards and loans
My financial situation:
I am a good candidate for this loan because...
I have a good job in the healthcare industry that I have worked in for over 20 years. Also, I have successfully had two other Prosper loans which I paid off as well.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654232
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,700.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,590 Estimated loss*: 11.75%  
Term: 36 months  
 
Lender yield: 24.66% Borrower rate/APR: 25.66% / 29.54% Monthly payment: $148.41
 
Lender servicing fee: 1.00% Effective Yield*: 22.54%  
Estimated return*: 10.79%  
* 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): 7 First credit line: Oct-2001 Debt/Income ratio: 8%
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 3 Current / open credit lines: 3 / 3Length of status:0y 2m
Amount delinquent: $2,478 Total credit lines: 11 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $251Stated income:$1-$24,999
Delinquencies in last 7y: 12 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: terrific-camaraderi2 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
Auto
Purpose of loan:
This loan will be used to purchase a more reliable vehicle, which will enable me to work more, and allow me to correct poor financial decisions and improve my credit.

My financial situation:
I am a good candidate for this loan because I am hardworking and responsible, working hard to make it on my own.


Monthly net income: $1500+
Monthly expenses: $
Housing: $550
Insurance: $105
Car expenses: $120 (gas)
Utilities: $45
Phone, cable, internet: $100
Food, entertainment: $150
Clothing, household expenses: $0
Credit cards and other loans: $50
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654238
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 14.75%  
Term: 36 months  
 
Lender yield: 29.06% Borrower rate/APR: 30.06% / 34.05% Monthly payment: $127.45
 
Lender servicing fee: 1.00% Effective Yield*: 26.43%  
Estimated return*: 11.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Dec-1993 Debt/Income ratio: 65%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 11 Current / open credit lines: 3 / 3Length of status:15y 1m
Amount delinquent: $7,766 Total credit lines: 36 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $88Stated income:$25,000-$49,999
Delinquencies in last 7y: 18 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: auction-commando6 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 5 ( 83% ) 660-679 (Latest)
Principal borrowed: $2,000.00< 31 days late: 1 ( 17% )  
720-739 (Mar-2012)
 
Principal balance: $1,771.25 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...Pay off some bills

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654268
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $180.50
 
Lender servicing fee: 1.00% Effective Yield*: 23.20%  
Estimated return*: 12.95%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-1986 Debt/Income ratio: 16%
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 3 / 2Length of status:20y 3m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,789Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: lava065 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
Household Expenses
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
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 654304
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 4.49%  
Term: 60 months  
 
Lender yield: 16.52% Borrower rate/APR: 17.52% / 19.91% Monthly payment: $87.97
 
Lender servicing fee: 1.00% Effective Yield*: 15.76%  
Estimated return*: 11.27%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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: Mar-1984 Debt/Income ratio: 20%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 15Length of status:24y 0m
Amount delinquent: $0 Total credit lines: 31 Occupation: Professional
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $31,863Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 96%  
   Homeownership: Yes  
Screen name: newest-fairness-widget Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 12 ( 100% ) 660-679 (Latest)
Principal borrowed: $4,500.00< 31 days late: 0 ( 0% )  
660-679 (Sep-2011)
 
Principal balance: $3,444.73 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Home improvement
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...Rental property will pay for the loan and I have other income.


Monthly net income: $8500.00
Monthly expenses: $
Housing: $749 myshare
Insurance: $
Car expenses: $ 0
Utilities: $150.00
Phone, cable, internet: $169.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654394
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $355.48
 
Lender servicing fee: 1.00% Effective Yield*: 14.87%  
Estimated return*: 8.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jan-1994 Debt/Income ratio: 8%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 3 Current / open credit lines: 6 / 5Length of status:16y 2m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $221Stated income:$50,000-$74,999
Delinquencies in last 7y: 20 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: cerebral-power3 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
RV
Purpose of loan: RV, 2009 Jayco Eagle FKS 322
This loan will be used to...

My financial situation: I have a good income with a low cost of living expense.
I am a good candidate for this loan because...


Monthly net income: $5460.00
Monthly expenses: $1785.
Housing: $600.
Insurance: $280.
Car expenses: $200.
Utilities: $0
Phone, cable, internet: $180.
Food, entertainment: $400.
Clothing, household expenses: $50.
Credit cards and other loans: $75.
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 627667
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: A Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 11.23% Borrower rate/APR: 12.23% / 14.49% Monthly payment: $201.25
 
Lender servicing fee: 1.00% Effective Yield*: 10.91%  
Estimated return*: 8.42%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-2001 Debt/Income ratio: Not calculated
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,962Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: commerce-dynamo8 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 720-739 (Latest)
Principal borrowed: $3,000.00< 31 days late: 0 ( 0% )  
800-819 (Nov-2011)
 
Principal balance: $2,276.57 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...consolidate my credit cards into one full payment.

My financial situation:
I am a good candidate for this loan because...I always pay all my bills on time and have never been late. My current status of work is only part time, so it is very challenging to pay more on each card. I'm looking for full time work so I can get out of debt and pay more each loan/card.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 636567
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 1.99%  
Term: 12 months  
 
Lender yield: 6.04% Borrower rate/APR: 7.04% / 7.98% Monthly payment: $173.09
 
Lender servicing fee: 1.00% Effective Yield*: 5.89%  
Estimated return*: 3.90%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Dec-2005 Debt/Income ratio: 5%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 5 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $476Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: SpreadsheetSolutions 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
Marketing Materials
Purpose of the loan:
This loan will be used to purchase marketing materials for my consulting business. This loan will cover logo design, business cards, and flyiers. I have been consulting for about 1 year and am looking to expand the business and attract new clients.

My financial situation:
I am a good candidate for this loan because I already have a steady stream of income and cash in the business. I am requesting the loan because I do not want to take money out of the business for these expenses.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 640315
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,998.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,798.60 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.62
 
Lender servicing fee: 1.00% Effective Yield*: 27.99%  
Estimated return*: 11.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1990 Debt/Income ratio: 24%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:16y 3m
Amount delinquent: $0 Total credit lines: 30 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,092Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 40%  
   Homeownership: Yes  
Screen name: epic-peace39 Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Consolidate
This loan will be used to... I have 2 vehicles. Each needs a full set of tires. It would be nice to consolidate this bill with at least one of my credit card debts.

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


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 648415
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.25%  
Term: 36 months  
 
Lender yield: 28.32% Borrower rate/APR: 29.32% / 33.29% Monthly payment: $168.32
 
Lender servicing fee: 1.00% Effective Yield*: 25.75%  
Estimated return*: 11.50%  
* 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): 6 First credit line: Sep-2005 Debt/Income ratio: 31%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:2y 3m
Amount delinquent: $0 Total credit lines: 12 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,322Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: justice-neptune6 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Dental
Purpose of loan:
This loan will assist me in off-setting incurred medical bills.

My financial situation:
I am a good candidate for this loan because...I have a long credit history with no deficiencies.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 649993
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,300.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $4,410 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $198.55
 
Lender servicing fee: 1.00% Effective Yield*: 7.23%  
Estimated return*: 5.49%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1995 Debt/Income ratio: 18%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 29 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,408Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: loan42 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
Help Me Refinance
Purpose of loan:
This loan will be used to transfer a balance from a credit card with a higher interest rate. This loan will allow me to save almost 10% from my current interest rate.

My financial situation:
I am a good candidate for this loan because my credit score it in the middle 700's. I'm good on my word and pay back my debts.


Monthly net income: $ 4,000
Monthly expenses: $ 2500
Housing: $ 1000
Insurance: $ 50
Car expenses: $0
Utilities: $100
Phone, cable, internet: $ 200
Food, entertainment: $ 300
Clothing, household expenses: $ 150
Credit cards and other loans: $450
Other expenses: $ 250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 651079
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 27.99%  
Estimated return*: 11.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1992 Debt/Income ratio: 27%
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 34 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,786Stated income:$50,000-$74,999
Delinquencies in last 7y: 6 Bankcard utilization: 93%  
   Homeownership: No  
Screen name: ore-lyrics5 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 Consolidation
Purpose of loan: Credit Card Consolidation
This loan will be used to... Consolidate Credit Cards to have lower monthly payment to get bills paid down faster.

My financial situation: Good, I work full time at a steady job and am able to pay the loan requested.
I am a good candidate for this loan because.. I have been paying my bills and will continue to pay them as requested by the lender. I believe in paying what I owe to the lender.


Monthly net income: $ 3000
Monthly expenses: $ 1800
Housing: $250
Insurance: $ 98
Car expenses: $ 500
Utilities: $ 0
Phone, cable, internet: $ 100
Food, entertainment: $ 200
Clothing, household expenses: $ 20
Credit cards and other loans: $ 593
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 652521
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 6.24%  
Term: 60 months  
 
Lender yield: 19.81% Borrower rate/APR: 20.81% / 23.28% Monthly payment: $134.73
 
Lender servicing fee: 1.00% Effective Yield*: 18.63%  
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): 5 First credit line: Apr-1990 Debt/Income ratio: 23%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:13y 7m
Amount delinquent: $0 Total credit lines: 11 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,592Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: Yes  
Screen name: mindful-commitment8 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 9 ( 75% ) 660-679 (Latest)
Principal borrowed: $5,500.00< 31 days late: 3 ( 25% )  
660-679 (Sep-2011)
 
Principal balance: $4,227.94 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Home improvement
Purpose of loan:
This loan will be used to...

My financial situation: Is not great, but holding steady
I am a good candidate for this loan because... I pay my bills on time, and am asking for funds to fix up my home.


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 652603
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $25,000 Estimated loss*: 2.24%  
Term: 60 months  
 
Lender yield: 10.73% Borrower rate/APR: 11.73% / 13.98% Monthly payment: $552.71
 
Lender servicing fee: 1.00% Effective Yield*: 10.45%  
Estimated return*: 8.21%  
* 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): 8 First credit line: Aug-1993 Debt/Income ratio: 23%
Credit score: 800-819 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:1y 3m
Amount delinquent: $0 Total credit lines: 30 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,968Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: wise-point-tuba Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off boat & small accounts

My financial situation:
I am a good candidate for this loan because...I am credit worthy because, I pay my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 652857
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 6.74%  
Term: 36 months  
 
Lender yield: 17.24% Borrower rate/APR: 18.24% / 21.95% Monthly payment: $362.73
 
Lender servicing fee: 1.00% Effective Yield*: 16.15%  
Estimated return*: 9.41%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1984 Debt/Income ratio: 47%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 19Length of status:29y 1m
Amount delinquent: $0 Total credit lines: 43 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,387Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: lean-felicity740 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3500.00
Monthly expenses: $
Housing: $750.00
Insurance: $225.00
Car expenses: $75.00
Utilities: $125.00
Phone, cable, internet: $200.00
Food, entertainment: $150.00
Clothing, household expenses:
Credit cards and other loans: $1600.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653747
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $444.35
 
Lender servicing fee: 1.00% Effective Yield*: 14.87%  
Estimated return*: 8.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1988 Debt/Income ratio: 14%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,213Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%  
   Homeownership: Yes  
Screen name: listing-orbit4 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: consolidation
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...I have good work ethic and even though I may have been late a few times I pay my bills. I am going to authorize that 200.00 can be automatically paid to you every 2 weeks.


Monthly net income: $6000
Monthly expenses: $4500
Housing: $1650
Insurance: $300
Car expenses: $own car
Utilities: $300
Phone, cable, internet: $300
Food, entertainment: $1000
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653769
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,000 Estimated loss*: 9.25%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $175.72
 
Lender servicing fee: 1.00% Effective Yield*: 22.06%  
Estimated return*: 12.81%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1996 Debt/Income ratio: 12%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 8Length of status:13y 0m
Amount delinquent: $52,396 Total credit lines: 26 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,503Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 68%  
   Homeownership: Yes  
Screen name: clean-auction596 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to make minor repairs and general maintenance as well as upgrades to home.

My financial situation:
I am a good candidate for this loan because although my credit score is not great I work hard to make sure all my obligations are met.


Monthly net income: $2852
Monthly expenses: $2467
Housing: $1211
Insurance: $175
Car expenses: $200
Utilities: $269
Phone, cable, internet: $40
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $122
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653781
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 20.18% Borrower rate/APR: 21.18% / 23.66% Monthly payment: $217.24
 
Lender servicing fee: 1.00% Effective Yield*: 18.95%  
Estimated return*: 12.46%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1999 Debt/Income ratio: Not calculated
Credit score: 680-699 (Oct-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:19y 9m
Amount delinquent: $346 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,435Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: affluence-taco3 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...

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


Monthly net income: $1000
Monthly expenses: $100
Housing: $300
Insurance: $150
Car expenses: $
Utilities: $200
Phone, cable, internet: $20
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other 100loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653787
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 22.98% Borrower rate/APR: 23.98% / 26.53% Monthly payment: $431.35
 
Lender servicing fee: 1.00% Effective Yield*: 21.30%  
Estimated return*: 12.81%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2005 Debt/Income ratio: 34%
Credit score: 700-719 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 4Length of status:1y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,514Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: ferocious-credit0 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653821
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: E Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 12.75%  
Term: 60 months  
 
Lender yield: 28.62% Borrower rate/APR: 29.62% / 32.32% Monthly payment: $321.20
 
Lender servicing fee: 1.00% Effective Yield*: 26.10%  
Estimated return*: 13.35%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1994 Debt/Income ratio: 35%
Credit score: 700-719 (Oct-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 21 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,682Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: the-openness-sensation Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to help pay off some of our credit cards, and we have outstanding medical bills that need attention, and some home repairs.

My financial situation:
I am a good candidate for this loan because I have a f/t job with the federal govt, have been employed there for over two years, and we also own a duplex and we rent out the half we dont live in for an additional income of $720 a month


Monthly net income: $2300 at f/t + $720 rental income
Monthly expenses: $
Housing: $1029
Insurance: $87
Car expenses: $40 a wk gas
Utilities: $250 gas/water/elec
Phone, cable, internet: $87 phone/45 int
Food, entertainment: $75 wk
Clothing, household expenses: $25
Credit cards and other loans: $290 car loan/300 cred cards
Other expenses: $100 month
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653841
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 0.49%  
Term: 12 months  
 
Lender yield: 4.65% Borrower rate/APR: 5.65% / 6.59% Monthly payment: $171.81
 
Lender servicing fee: 1.00% Effective Yield*: 4.62%  
Estimated return*: 4.13%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1998 Debt/Income ratio: 15%
Credit score: 820-839 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 24 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,136Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: best-competent-diversification 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...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653871
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 7.49%  
Term: 12 months  
 
Lender yield: 13.93% Borrower rate/APR: 14.93% / 22.71% Monthly payment: $902.25
 
Lender servicing fee: 1.00% Effective Yield*: 12.97%  
Estimated return*: 5.48%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1998 Debt/Income ratio: 14%
Credit score: 640-659 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:16y 5m
Amount delinquent: $0 Total credit lines: 37 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $7,542Stated income:$100,000+
Delinquencies in last 7y: 7 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: wise-justice-dreams 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 consolidate the balances on the few cards that I carry. Short-term loan as I only have an immediate financial need.

My financial situation:
I am a good candidate for this loan because I have had steady employment with the same company for 16 years and have been paying all of my bills on time. This loan fits into the timing I have planned to be debt-free, yet offers an interest rate lower than the cards I carry a balance on.


Monthly net income: $5,846
Monthly expenses: $3,753
Housing: $2,313
Insurance: $100
Car expenses: $500
Utilities: $150
Phone, cable, internet: $140
Food, entertainment: $500
Clothing, household expenses: $50
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653891
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $64.29
 
Lender servicing fee: 1.00% Effective Yield*: 8.49%  
Estimated return*: 6.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-1996 Debt/Income ratio: 7%
Credit score: 860-879 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 29 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,694Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: community-mate0 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
wedding gift
Down payment on my sisters wedding gift.
This loan will be used to satisfy the first payment required on my sisters wedding gift

My financial situation:
I am a good candidate for this loan because I am very responsible when it comes to paying my bills ontime & It will give me a chance to help my sisters dreams come true.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653909
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $116.85
 
Lender servicing fee: 1.00% Effective Yield*: 20.64%  
Estimated return*: 10.39%  
* 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): 2 First credit line: Feb-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:8y 6m
Amount delinquent: $0 Total credit lines: 26 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $441Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: stable-community57 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: 13 ( 100% ) 660-679 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
740-759 (Aug-2011)
 
Principal balance: $1,370.79 31+ days late: 0 ( 0% )
Total payments billed: 13  
Description
Household Expense s refinance
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3000.
Monthly expenses: $2500.00
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 653927
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $17,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $12,250 Estimated loss*: 4.24%  
Term: 60 months  
 
Lender yield: 15.94% Borrower rate/APR: 16.94% / 19.31% Monthly payment: $434.36
 
Lender servicing fee: 1.00% Effective Yield*: 15.24%  
Estimated return*: 11.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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: 14%
Credit score: 720-739 (Sep-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:11y 6m
Amount delinquent: $0 Total credit lines: 23 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $121Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: value-miser9 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 30 ( 100% ) 720-739 (Latest)
Principal borrowed: $12,500.00< 31 days late: 0 ( 0% )  
720-739 (Jun-2012)
700-719 (Dec-2011)
700-719 (Nov-2011)
740-759 (Dec-2009)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 30  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
pay off debts
My financial situation:
I am a good candidate for this loan because...
i have a great job and pay my loans off this will be my second loan w prosper
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 653961
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 29.06% Borrower rate/APR: 30.06% / 34.05% Monthly payment: $169.94
 
Lender servicing fee: 1.00% Effective Yield*: 26.43%  
Estimated return*: 11.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1990 Debt/Income ratio: 4%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:31y 0m
Amount delinquent: $0 Total credit lines: 25 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,272Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: newest-greenback-zeus Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Large Purchases
Purpose of loan: Home Addition
This loan will be used to... add 2 bedrooms to my home for my grandchildren

My financial situation:
I am a good candidate for this loan because...
I have 31years of stable employment. Able to satisfy my debt on time and in full.

Monthly net income: $6,928.00
Monthly expenses: $
Housing: $534.00
Insurance: $92.00
Car expenses: $0
Utilities: $132.00
Phone, cable, internet: $215.00
Food, entertainment: $400
Clothing, household expenses: $275
Credit cards and other loans: $344
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654061
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $414.25
 
Lender servicing fee: 1.00% Effective Yield*: 15.71%  
Estimated return*: 9.22%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1993 Debt/Income ratio: 37%
Credit score: 720-739 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 39 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,606Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: heavenly-vigilance54 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...

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


Monthly net income: $6,000
Monthly expenses: $
Housing: $500.00
Insurance: $60.00
Car expenses: $360.00
Utilities: $100.00
Phone, cable, internet: $100.00
Food, entertainment: $500.00
Clothing, household expenses: $25.00
Credit cards and other loans: $2,000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654217
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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*: 27.99%  
Estimated return*: 11.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jan-1988 Debt/Income ratio: 33%
Credit score: 660-679 (Oct-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:20y 3m
Amount delinquent: $0 Total credit lines: 20 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $6,067Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: noble-capital081 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: DEBT CONSOLIDATION
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
I WILL HAVE DIRECT DEPOSIT

Monthly net income: $5500
Monthly expenses:500
Housing: $1132
Insurance: $311
Car expenses: $500
Utilities: $50
Phone, cable, internet: $200
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $300
Other Expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654331
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $128.58
 
Lender servicing fee: 1.00% Effective Yield*: 8.49%  
Estimated return*: 6.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1992 Debt/Income ratio: 9%
Credit score: 740-759 (Oct-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,659Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: brightest-basis-escalator Borrower's state: Idaho Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 740-759 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
820-839 (Nov-2011)
 
Principal balance: $11,382.63 31+ days late: 0 ( 0% )
Total payments billed: 10  
Description
Business
Purpose of loan:
This loan will be used to purchase a commercial refrigerator to be able to increase business.

My financial situation:
I am a good candidate for this loan because my credit is good, and business is good and I want to improve the business.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 654385
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 5.99%  
Term: 60 months  
 
Lender yield: 19.24% Borrower rate/APR: 20.24% / 22.69% Monthly payment: $372.79
 
Lender servicing fee: 1.00% Effective Yield*: 18.13%  
Estimated return*: 12.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1995 Debt/Income ratio: Not calculated
Credit score: 760-779 (Oct-2012) Inquiries last 6m: 3Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 11Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,016 
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: sukprak 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
Wedding Loans
Purpose of loan:
This loan will be used to...
fly in overseas family members who can no longer afford to attend because they are still feeling the ripple effects of the market crash from a few years ago.

My financial situation:
I am a good candidate for this loan because... I have an excellent credit rating. And, I only have that great credit rating because I always pay my debts. Also, I will return to work as a Registered Nurse after my honeymoon. Many Registered Nurses are paid salaries that are on par with the doctors they work with and I am one of them. So, not only am I likely to pay this loan back, but my ability to pay this loan is completely assured.


Monthly net income: $4100
Monthly expenses: $70
Housing: $1100
Insurance: $168
Car expenses: $269
Utilities: $69
Phone, cable, internet: $30
Food, entertainment: $210
Clothing, household expenses: $155
Credit cards and other loans: $0
Other expenses: $96
Information in the Description is not verified.