Listing Report:Supplement No. 95 dated Nov 30, 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 655002
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.74%  
Term: 60 months  
 
Lender yield: 9.76% Borrower rate/APR: 10.76% / 12.99% Monthly payment: $259.48
 
Lender servicing fee: 1.00% Effective Yield*: 9.56%  
Estimated return*: 7.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Oct-1982 Debt/Income ratio: 9%
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 2Employment status:Other
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:23y 7m
Amount delinquent: $0 Total credit lines: 44 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,806Stated income:$75,000-$99,999
Delinquencies in last 7y: 8 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: orange-scholarly-responsibility Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3200
Monthly expenses: $400
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $
Phone, cable, internet: $200
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 671050
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,200.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $115.27
 
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: Oct-1994 Debt/Income ratio: 22%
Credit score: 660-679 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:10y 11m
Amount delinquent: $0 Total credit lines: 22 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,016Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: No  
Screen name: integrity-kayak194 Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Dept consolidation
This loan will be used to... Pay down a high interest credit card and repair an auto to trade in for a less expensive more economical model.

My financial situation:
I am a good candidate for this loan because... I pay my bills and am determined to reduce my monthly obligations. Just before trading in my auto to reduce my monthly payments, it broke and has to be repaired before I can sell or trade it in. I have a high interest credit cards that I want to consolidate to pay down as soon as possible.


Monthly net income: $3960.00
Monthly expenses: $3710
Housing: $1000.00
Insurance: $115.00
Car expenses: $450
Utilities: $120.00
Phone, cable, internet: $100.00
Food, entertainment: $600.00
Clothing, household expenses: $100.00
Credit cards and other loans: $1125.00
Other expenses: $100.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 672368
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Estimated loss*: 13.75%  
Term: 36 months  
 
Lender yield: 27.59% Borrower rate/APR: 28.59% / 32.54% Monthly payment: $83.37
 
Lender servicing fee: 1.00% Effective Yield*: 25.12%  
Estimated return*: 11.37%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2004 Debt/Income ratio: 7%
Credit score: 640-659 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:7y 6m
Amount delinquent: $0 Total credit lines: 8 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,070Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: No  
Screen name: flexible-bid571 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


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 673702
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.92% Borrower rate/APR: 24.92% / 28.78% Monthly payment: $238.31
 
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: Mar-1991 Debt/Income ratio: 30%
Credit score: 660-679 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 22 / 21Length of status:27y 3m
Amount delinquent: $65 Total credit lines: 47 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $80,615Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%  
   Homeownership: Yes  
Screen name: gentle-dime9 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...to pay off some credit cards that have a high interest rate to reduce my monthly expenses

My financial situation:
I am a good candidate for this loan because...I am still working and do take my debts serious and have not defaulted on any debts I owe and this loan would remove several debts that add up to about $500-$600 a month.


Monthly net income: $3905
Monthly expenses: $3780
Housing: $1337
Insurance: $155
Car expenses: $100
Utilities: $80
Phone, cable, internet: $106
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $1750
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 674360
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.74%  
Term: 36 months  
 
Lender yield: 17.24% Borrower rate/APR: 18.24% / 21.95% Monthly payment: $217.64
 
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: Jun-1994 Debt/Income ratio: 41%
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:10y 10m
Amount delinquent: $0 Total credit lines: 67 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,985Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: loyalty-backer677 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: To pay off as much credit card debit as I can.
This loan will be used to...pay off as much credit card debt as I can.

My financial situation: I have a stable income, pay my bills on time, but have accumulated credit card debt that I would like to pay off. This would allow me to save more.
I am a good candidate for this loan because...I am committed to paying it back on time and I will be using the money to eliminate as much debt as I possibly could.


Monthly net income: $2600.00
Monthly expenses: $2100.00
Housing: $479.00
Insurance: $41.00
Car expenses: $0
Utilities: $250
Phone, cable, internet: $150
Food, entertainment: $120
Clothing, household expenses: $60
Credit cards and other loans: $600
Other expenses: $340 (tithes)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 675388
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: A Listing Duration: 14 days
Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 11.23% Borrower rate/APR: 12.23% / 14.49% Monthly payment: $67.08
 
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): 9 First credit line: Jan-1995 Debt/Income ratio: 3%
Credit score: 760-779 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 1 / 1Length of status:37y 2m
Amount delinquent: $21 Total credit lines: 6 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,908Stated income:$25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: trade-blanket241 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...
im needing this loan to fix several windows in my house that someone has broke out and also to insulate a couple rooms that's drafty

My financial situation:
I am a good candidate for this loan because...
I've been at my job for more than 30 years and believe in paying off my bills on time. I've got 3 grand kids that live with me other wise I wouldn't let be asking for this money. Hope you can find it in your heart to loan it to me, I guarantee you will get it back.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 675744
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 4.24%  
Term: 60 months  
 
Lender yield: 15.94% Borrower rate/APR: 16.94% / 19.31% Monthly payment: $620.51
 
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): 8 First credit line: Dec-1985 Debt/Income ratio: 27%
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:36y 3m
Amount delinquent: $0 Total credit lines: 26 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,792Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: foxy-dough9 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...

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


Monthly net income: $5800
Monthly expenses: $100
Housing: $1100
Insurance: $160
Car expenses: $
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $400
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 676268
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $306.19
 
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: Apr-1994 Debt/Income ratio: 22%
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 12 / 12Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 22 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,622Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 26%  
   Homeownership: No  
Screen name: newest-keen-affluence 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
Business
Purpose of loan:
This loan will be used to...buy inventory for my business

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


Monthly net income: $3747
Monthly expenses: $200
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $200
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $350
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 676824
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
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: Aug-1993 Debt/Income ratio: 22%
Credit score: 660-679 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:12y 8m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,605Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: money-bauble6 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained 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
Scrapbook supply online business
Purpose of loan: Acquire an existing business
This loan will be used to... Acquire existing business and inventory

My financial situation: Good
I am a good candidate for this loan because... I have a good repayment history, low debt


Monthly net income: $4333
Monthly expenses: $
Housing: $1050
Insurance: $350
Car expenses: $450
Utilities: $250
Phone, cable, internet: $50
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $92
Other expenses: $135
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 678492
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $77.90
 
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): 6 First credit line: Nov-2007 Debt/Income ratio: 35%
Credit score: 680-699 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 6 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,744Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%  
   Homeownership: No  
Screen name: camaraderi-pal3 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
Other
Purpose of loan:
This loan will be used to...
personal
My financial situation:
I am a good candidate for this loan because...
i always pay my bills on time and im very dependable if a bill is due i pay that first thing

Monthly net income: $1100
Monthly expenses: $
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $32
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 678840
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $17,500.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $659.22
 
Lender servicing fee: 1.00% Effective Yield*: 18.52%  
Estimated return*: 10.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Nov-1997 Debt/Income ratio: 34%
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:14y 2m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,513Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: suave-reward316 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation: PAY OFF CREDIT CARDS
I am a good candidate for this loan because...I repay all my debts


Monthly net income: $6045.00
Monthly expenses: $
Housing: $1050.00
Insurance: $
Car expenses: $150.00
Utilities: $200.00
Phone, cable, internet: $130.00
Food, entertainment: $200.00
Clothing, household expenses: $200.00
Credit cards and other loans: $1200.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 678852
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $372.60
 
Lender servicing fee: 1.00% Effective Yield*: 17.83%  
Estimated return*: 9.84%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-1984 Debt/Income ratio: 30%
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:14y 6m
Amount delinquent: $0 Total credit lines: 26 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,845Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: No  
Screen name: affluence-animal3 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off credit cards and home improvement

My financial situation:
I am a good candidate for this loan because...i intend to pay off several bills and i have sufficent income to repay the loan


Monthly net income: $4000.00
Monthly expenses: $
Housing: $500.00
Insurance: $150.00
Car expenses: $650.00





Utilities: $275.00
Phone, cable, internet: $120.00
Food, entertainment: $450.00
Clothing, household expenses: $200.00
Credit cards and other loans: $850.00
Other expenses: $
200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679028
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $572.78
 
Lender servicing fee: 1.00% Effective Yield*: 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: Nov-2007 Debt/Income ratio: 16%
Credit score: 740-759 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 5m
Amount delinquent: $0 Total credit lines: 4 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $272Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: No  
Screen name: momentous-integrity884 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Other
Purpose of loan:
This loan will be used to... Replace Major Appliances, Fix work Vehicle, make a major move

My financial situation: Good
I am a good candidate for this loan because... I work and live within my Income and do not have any debt. Looking to improve my life and work better.


Monthly net income: $4000
Monthly expenses: $ 2500
Housing: $ 1000
Insurance: $ 25
Car expenses: $ 235
Utilities: $ 50
Phone, cable, internet: $ 135
Food, entertainment: $ 120
Clothing, household expenses: $ 200
Credit cards and other loans: $50
Other expenses: $1
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679142
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,150.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $136.79
 
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-2003 Debt/Income ratio: 19%
Credit score: 640-659 (Nov-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:3y 4m
Amount delinquent: $0 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,177Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: tenacious-fairness570 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Consolidate consumer debt in the form of two credit cards.

My financial situation: I am currently in a strong financial situation. what I am trying to accomplish is raise my available credit on credit cards (and not put any more on them) as well as create another positive account listed on my credit report.

I am a good candidate for this loan because...

My income consists of 100% disability pay from the VA which is tax free. While going to school for Finance, I am given an additional $1200 a month when I am in school full time. This is not listed in my monthly net income because it is not fair to list this as it is not a guaranteed source of income 12 months out of the year.

Monthly net income: $2823.00
Monthly expenses: $1928.00
Housing: $770.00 (Including Tax , Insurance and PMI)
Insurance: $ 52.00
Car expenses: $ 306.00
Utilities: $ 180.00
Phone, cable, internet: $120.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $100.00
Other expenses: $100.00 (Gas etc.)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679152
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.75%  
Term: 60 months  
 
Lender yield: 25.92% Borrower rate/APR: 26.92% / 29.55% Monthly payment: $243.90
 
Lender servicing fee: 1.00% Effective Yield*: 23.78%  
Estimated return*: 13.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1998 Debt/Income ratio: 41%
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:10y 0m
Amount delinquent: $0 Total credit lines: 14 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,831Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: handy-community784 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679448
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,500.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $433.96
 
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-1983 Debt/Income ratio: 14%
Credit score: 800-819 (Nov-2012) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 13Length of status:33y 2m
Amount delinquent: $0 Total credit lines: 42 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,303Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 21%  
   Homeownership: Yes  
Screen name: asset-prospector6 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Household Expenses
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679460
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $572.78
 
Lender servicing fee: 1.00% Effective Yield*: 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): 2 First credit line: Aug-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 4Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:11y 0m
Amount delinquent: $0 Total credit lines: 23 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,973Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: Giangy70 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 32 ( 100% ) 720-739 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
740-759 (May-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off my credit cards in order to increase my credit score ?

My financial situation:
I am a good candidate for this loan because I always pay my debit on time! ?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679478
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.74%  
Term: 36 months  
 
Lender yield: 17.24% Borrower rate/APR: 18.24% / 21.95% Monthly payment: $725.46
 
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: Sep-1993 Debt/Income ratio: 20%
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 16Length of status:18y 7m
Amount delinquent: $0 Total credit lines: 65 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $25,063Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: Yes  
Screen name: agile-affluence0 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $19000
Monthly expenses: $9000
Housing: $4600
Insurance: $200
Car expenses: $1300
Utilities: $500
Phone, cable, internet: $300
Food, entertainment: $300
Clothing, household expenses: $400
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679740
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 4.49%  
Term: 60 months  
 
Lender yield: 16.52% Borrower rate/APR: 17.52% / 19.91% Monthly payment: $628.33
 
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): 8 First credit line: Dec-1997 Debt/Income ratio: 21%
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:17y 2m
Amount delinquent: $0 Total credit lines: 14 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,643Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: slingshot561 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: Debt Consolidation.
This loan will be used to... Pay off higher intrest rate cards my husband and I have.

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


Monthly net income: $4326.00
Monthly expenses: $
Housing: $ 932.00
Insurance: $ 150.00
Car expenses: $350.00
Utilities: $400.00
Phone, cable, internet: $260.00
Food, entertainment: $100.00
Clothing, household expenses: $
Credit cards and other loans: $1052.00
Other expenses: $ 250.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679890
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $150.41
 
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: Apr-1994 Debt/Income ratio: 15%
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 23 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $75,682Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 90%  
   Homeownership: No  
Screen name: unrivaled-bonus635 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 Debt

My financial situation:
I am a good candidate for this loan because... I will use this money for the purpose of consolidating debt and improving my credit score.


Monthly net income: $ 8,000.00
Monthly expenses: $ 6500.00
Housing: $2400.00
Insurance: $1400.00
Car expenses: $20.00
Utilities: $100.00
Phone, cable, internet: $60.00
Food, entertainment: $ 300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $1000.00
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 680064
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $63.03
 
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): 8 First credit line: Nov-1996 Debt/Income ratio: 7%
Credit score: 780-799 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 33 Occupation: Fireman
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,609Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: duty-elation4 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 and pay a couple small bills.

My financial situation:
I am a good candidate for this loan because... I am responsible and always pay my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 680124
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 10.75%  
Term: 60 months  
 
Lender yield: 25.92% Borrower rate/APR: 26.92% / 29.55% Monthly payment: $457.31
 
Lender servicing fee: 1.00% Effective Yield*: 23.78%  
Estimated return*: 13.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-1989 Debt/Income ratio: 27%
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:12y 4m
Amount delinquent: $0 Total credit lines: 24 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,770Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: gold-assembler4 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off credit cards

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


Monthly net income: $2600
Monthly expenses: $
Housing: $950
Insurance: $65
Car expenses: $400
Utilities: $100
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $350
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 680404
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 5.74%  
Term: 36 months  
 
Lender yield: 15.39% Borrower rate/APR: 16.39% / 20.05% Monthly payment: $530.25
 
Lender servicing fee: 1.00% Effective Yield*: 14.52%  
Estimated return*: 8.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2001 Debt/Income ratio: 58%
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:8y 5m
Amount delinquent: $0 Total credit lines: 28 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $17,438Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: bill-bell7 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to... pay medical debt and credit card debt.

My financial situation: reduce the amount of interest paid per month, all payments are all current on all accounts.
I am a good candidate for this loan because... We pay all of our bills on time each month.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 680446
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: AA Listing Duration: 14 days
Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $157.58
 
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: Feb-1994 Debt/Income ratio: 18%
Credit score: 740-759 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:5y 10m
Amount delinquent: $0 Total credit lines: 28 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,079Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: No  
Screen name: wonderful-value5 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to
Pay down credit card to help eventually pay it off
My financial situation:
I am a good candidate for this loan because. I have a great credit history and pay my debt off as quickly as possible. Since the interest rate was too high to get fully funded my plan is to pay this loan off and fund the rest to pay off quicker.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 680554
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $315.17
 
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-1997 Debt/Income ratio: 16%
Credit score: 740-759 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 4Length of status:9y 10m
Amount delinquent: $3 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,830Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%  
   Homeownership: No  
Screen name: kind-transparency-stronghold Borrower's state: Florida Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Clear All Debt, Home Improvement
Purpose of loan:
This loan will be used to pay off all of my outstanding debt (at a lower interest rate), as well as fund a small home improvement project. The home improvement involves new lighting, paint, furniture for the living room, and small appliances for the kitchen.

My financial situation:
I am a good candidate for this loan because I have a long and positive credit history as well as an impeccable payment history. I've had no late or missed payments to any loans or credit cards since opening my first account in 1997.

In a very recent credit check I discovered I have a small medical bill that is marked as delinquent (from 2008). I am taking steps to find out how I can clear up this issue. This is the only negative I have ever had on my credit report.

I have steady employment and have been with the company for nearly 10 years. The company itself is very solid and is celebrating it's 50th Anniversary this year.

My monthly income and expenses are as follows:
Monthly net income: $3000
Monthly expenses: $2246
Housing: $700
Insurance: $140
Car expenses: $256
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $400 ($0 after loan clears)
Other expenses: $100 Fuel/Tolls

Feel free to ask any questions. Thank you for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 668317
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $16,500.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.99%  
Term: 60 months  
 
Lender yield: 19.24% Borrower rate/APR: 20.24% / 22.69% Monthly payment: $439.36
 
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: Sep-2002 Debt/Income ratio: 30%
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:13y 0m
Amount delinquent: $0 Total credit lines: 23 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,512Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 31%  
   Homeownership: Yes  
Screen name: safe-gain4 Borrower's state: Delaware Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate most of my high interest monthly bills down to one payment.

My financial situation:
I am a good candidate for this loan because I have always paid my bills on time and have a good credit rating. I would like to get down to one payment with some of my higher balances. I have a steady job that I have been at for over 13 years.


Monthly net income: $3083
Monthly expenses: $
Housing: $1250
Insurance: $73
Car expenses: $0 (car paid off for some time)
Utilities: $140 (live in low cost of living area with low rate utilities)
Phone, cable, internet: $100 (all on one bill)
Food, entertainment: $250 (split groceries with daughter)
Clothing, household expenses: $
Credit cards and other loans: $150
Other expenses: $60 (gas)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 672311
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,650.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.75%  
Term: 36 months  
 
Lender yield: 24.66% Borrower rate/APR: 25.66% / 29.54% Monthly payment: $467.28
 
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-2003 Debt/Income ratio: 20%
Credit score: 660-679 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:2y 11m
Amount delinquent: $0 Total credit lines: 17 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,653Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: power-lionheart831 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to... pay off my 6 credit cards. I no longer wish to pay the high interest rates of my credit cards. I have been working on paying off three cards for over four years. I am ready to pay off my debts and budget more responsibly.

My financial situation:
I am a good candidate for this loan because...i have a full-time job working at a paper mill. I am currently making over $20/hr, and my employer is sending me to school once a week to become a certified electrical and instrument maintenance worker. (E/I) I also have the opportunity to get overtime.


Monthly net income: $1600-1900, depending on overtime
Monthly expenses: $ 1600-$1700
Housing: $450
Insurance: $50
Car expenses: $300
Utilities: $ N/A
Phone, cable, internet: $300
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $550
Other expenses: $200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 673121
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
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: Mar-2001 Debt/Income ratio: 46%
Credit score: 660-679 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:1y 0m
Amount delinquent: $0 Total credit lines: 19 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,995Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: loot-mammal0 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: consalidate debt
This loan will be used to...

My financial situation: excellent
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 676381
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $18,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.74%  
Term: 36 months  
 
Lender yield: 9.34% Borrower rate/APR: 10.34% / 13.14% Monthly payment: $583.69
 
Lender servicing fee: 1.00% Effective Yield*: 9.05%  
Estimated return*: 6.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Apr-1992 Debt/Income ratio: 28%
Credit score: 740-759 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:7y 3m
Amount delinquent: $0 Total credit lines: 27 Occupation: Scientist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,912Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: jphoto22 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 54 ( 100% ) 740-759 (Latest)
Principal borrowed: $32,000.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2011)
700-719 (Sep-2006)
 
Principal balance: $5,829.57 31+ days late: 0 ( 0% )
Total payments billed: 54  
Description
Debt consolidation
Purpose of loan: to consolidate all of my credit card debt into one monthly payment at lower cost.

My financial situation:

Financial situation: I work as a researcher (7.5 years; I have my PhD, and was recently promoted to Director of my research unit). I have 4 months of emergency savings. I have retirement accounts, life insurance, health insurance, umbrella policy, and homeowners insurance.

Credit History:I have not been late or missed a payment in years.
Family: Married for 9 year with 2 children. My wife is finishing grad school (does freelance to make extra money).
Home: We bought our house with 20% down 5.5 years ago, and plan on living here for next 3-5 years.

Monthly net income: 6700$
Monthly expenses: ~5600$ (includes Prosper loan payments)
Housing (mortgage) : 957.00$
Car Insurance: 165.00$
Car loans: 680.00$
Train pass: 150
Utilities: 70.00$
Phone, cable, internet: 250.00$
Food, entertainment: 600.00$
Clothing, household expenses: 200.00$
Daycare/book fees/lunch/etc: 400.00
Savings: 800.00
Other: 300$

This leaves ~1100.00 for unexpected expenses such as car maintenance, house repairs, etc.

I am a good candidate for this loan because I have a good credit history of repaying my debts. I am in a stable job situation at a major University in the Chicagoland area, with a growing emergency fund (4 months currently) . I have paid back one Prosper loan, and paying a smaller proper loan back, 100% on time payment. I have managed to pay down half of my credit card debt in a couple years (are cards are locked in our home safe, and paying with cash or emergency situations, and only cards with 0% interest for a few months to pay off . I feel consolidating the remaining debt into a lower interest loan would help solidify our families financial health. Thank you for looking at my listing, and if you have any question, please do not hesitate to ask.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 676393
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
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): 4 First credit line: Sep-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Nov-2012) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:33y 10m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,092Stated income:$100,000+
Delinquencies in last 7y: 5 Bankcard utilization: 10%  
   Homeownership: Yes  
Screen name: dedication-enchilada4 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used to...

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


Monthly net income: 8000.
Monthly expenses: $5000.
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 679193
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $16,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 20.18% Borrower rate/APR: 21.18% / 23.66% Monthly payment: $434.48
 
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: May-1993 Debt/Income ratio: 23%
Credit score: 660-679 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:6y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $17,555Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: Yes  
Screen name: triumphant-fairness874 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...

My financial situation: Seeking consolidate C/cards loans
I am a good candidate for this loan because...I pay my bills on time!


Monthly net income: $38,480.00 Hosp, billing & collection (9 to 12,000.00 pt/time Macys).
Monthly expenses:
Housing: $1004.00
Insurance: $3.00 per day
Car expenses: auto ins only. 800.00annualy
Utilities: $0.00 share by spouse
Phone, cable, internet: $0.00 share by spouse
Food, entertainment: $250.00 month
Clothing, household expenses: $100.00 monthly
Credit cards and other loans: $500.00
Other expenses: $gasoline 40 to 50.00 weekly,
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679271
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.74%  
Term: 60 months  
 
Lender yield: 11.71% Borrower rate/APR: 12.71% / 14.99% Monthly payment: $452.10
 
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): 9 First credit line: Jul-2005 Debt/Income ratio: 6%
Credit score: 800-819 (Nov-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 9 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $644Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: Yes  
Screen name: funds-spinner1 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
Investment Real Estate Down Payment
Purpose of loan:
This loan will be used together with my personal funds for a down payment on a 3 family investment property.

My financial situation:
I'm a full time computer programmer who does real estate as well. I have managed all my credit well and faithfully repay all debts. My income comes from my full time job as well as other real estate holdings.

I am a good candidate for this loan because I understand cap rates, loan outflows and possess the management team to make this new property cashflow and pay back this loan on time.

I already possess a fully occupied fourplex rental property which cash flows and now is the perfect timing and market conditions for another.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679301
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
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: Mar-2005 Debt/Income ratio: 73%
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:6y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Construction
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,568Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 60%  
   Homeownership: No  
Screen name: astute-payout5 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: pay off some bills
This loan will be used to...pay off some bills

My financial situation: trying to get better, slowly but is getting better
I am a good candidate for this loan because...i do pay back what i owe, as fast as i can


Monthly net income: $4,000
Monthly expenses:
Housing: $0
Insurance: $300
Car expenses: $
Utilities: $0
Phone, cable, internet: 100
Food, entertainment: $0
Clothing, household expenses: $50
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679319
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 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: Oct-1996 Debt/Income ratio: 21%
Credit score: 640-659 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:9y 8m
Amount delinquent: $0 Total credit lines: 6 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,927Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: admirable-bid2 Borrower's state: NewHampshire Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto
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 679337
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 22.98% Borrower rate/APR: 23.98% / 26.53% Monthly payment: $287.56
 
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: Aug-1992 Debt/Income ratio: 53%
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:20y 10m
Amount delinquent: $0 Total credit lines: 18 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,406Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: dough-supergiant9 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to remodel my kitchen.

My financial situation:
I am a good candidate for this loan because I have had the same employer for 21 years, have lived in the same home for 14 years, and am very conscientious about paying my debt on time and in full.


Monthly net income: $ 4166
Monthly expenses: $ 2295
Housing: $0
Insurance: $0
Car expenses: $1295
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $500
Clothing, household expenses: $0
Credit cards and other loans: $500
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679379
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $240.66
 
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: Nov-2002 Debt/Income ratio: 34%
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:11y 4m
Amount delinquent: $0 Total credit lines: 17 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,752Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: power-sanctuary2 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: to pay of credit cards
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: $0
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 679403
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.49%  
Term: 36 months  
 
Lender yield: 16.74% Borrower rate/APR: 17.74% / 21.43% Monthly payment: $144.09
 
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: Jun-1999 Debt/Income ratio: 18%
Credit score: 740-759 (Nov-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:32y 5m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $170Stated income:$1-$24,999
Delinquencies in last 7y: 3 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: brainy-order4 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Auto Repairs and Personal matters
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 679457
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
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): 9 First credit line: May-2007 Debt/Income ratio: 9%
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 4 / 2Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 9 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $58Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: enthralling-revenue6 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Large Purchases
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 679499
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.75%  
Term: 60 months  
 
Lender yield: 27.27% Borrower rate/APR: 28.27% / 30.93% Monthly payment: $219.09
 
Lender servicing fee: 1.00% Effective Yield*: 24.93%  
Estimated return*: 13.18%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1994 Debt/Income ratio: 17%
Credit score: 640-659 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:8y 4m
Amount delinquent: $0 Total credit lines: 26 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,448Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: Yes  
Screen name: green-bewitching-penny 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... pay down credit cards

My financial situation: paycheck to paycheck but steady job as Insurance Account Manager
I am a good candidate for this loan because... I have a secure job in the Insurance industry and pay my bills on time


Monthly net income: $3400 (also recieve incentive comp 2x per year approx. $20,000)
Monthly expenses: $3000
Housing: $1900
Insurance: $0
Car expenses: $0
Utilities: $40
Phone, cable, internet: $100
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $800 monthly
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679863
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $376.70
 
Lender servicing fee: 1.00% Effective Yield*: 18.52%  
Estimated return*: 10.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Apr-1988 Debt/Income ratio: 14%
Credit score: 740-759 (Nov-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 23 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,716Stated income:$50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 82%  
   Homeownership: Yes  
Screen name: methodical-listing9 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
Taxes
I am requesting this loan in order to pay off taxes that I owe to the government. I am employed full time at Loudoun County Public Schools with a good salary and can pay off this loan in the amount of time allotted.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679875
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 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: Jul-2003 Debt/Income ratio: 2%
Credit score: 660-679 (Nov-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 0 / 0Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: money-prospector988 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
Cosmetic Procedures
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3786.66
Monthly expenses: $
Housing: $550
Insurance: $0.00
Car expenses: $120
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $0.00
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679893
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 20.18% Borrower rate/APR: 21.18% / 23.66% Monthly payment: $325.86
 
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: Jul-2008 Debt/Income ratio: 16%
Credit score: 660-679 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 11 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,737Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: No  
Screen name: credit-fox349 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 consolidatio
Purpose of loan: pay credit cards
This loan will be used to...pay credit cards

My financial situation: trying to save money
I am a good candidate for this loan because...send all my payments on time


Monthly net income: $2900
Monthly expenses: $2160
Housing: $800
Insurance: $360
Car expenses: $
Utilities: $340
Phone, cable, internet: $160
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679905
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 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): 5 First credit line: Sep-1985 Debt/Income ratio: 83%
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 18Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 44 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $38,853Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 81%  
   Homeownership: No  
Screen name: generosity-jam968 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
Medical/Dental
Purpose of loan: MEDICAL
This loan will be used to...PAY BILLS

My financial situation:
I am a good candidate for this loan because...I ALWAYS PAY MY BILLS


Monthly net income: $1630.00
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679911
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.92% Borrower rate/APR: 24.92% / 28.78% Monthly payment: $595.76
 
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: Feb-2000 Debt/Income ratio: 30%
Credit score: 680-699 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:3y 3m
Amount delinquent: $0 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $15,866Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: pound-tom-tom4 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Debt
This loan will be used to...
Pay off all credit cards
My financial situation: I want to pay off my debt
I am a good candidate for this loan because...I have a full time job. And in a union.


Monthly net income: $2,800
Monthly expenses: $
Housing: $770

Insurance: $100
Car expenses: $150
Utilities: $
Phone, cable, internet: $400
Food, entertainment: $500
Clothing, household expenses: $350
Credit cards and other loans: $1593.00
Other expenses: $250
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679941
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $16,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 20.18% Borrower rate/APR: 21.18% / 23.66% Monthly payment: $434.48
 
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: Feb-1997 Debt/Income ratio: 16%
Credit score: 680-699 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 18 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,433Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%  
   Homeownership: No  
Screen name: ecstatic-velocity339 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: consolidate
This loan will be used to...pay off credit cards and get rid of them

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

Monthly net income: $5200
Monthly expenses: $
Housing: $1200
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $300
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $800
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 679965
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 11.75%  
Term: 60 months  
 
Lender yield: 27.27% Borrower rate/APR: 28.27% / 30.93% Monthly payment: $469.48
 
Lender servicing fee: 1.00% Effective Yield*: 24.93%  
Estimated return*: 13.18%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-2002 Debt/Income ratio: 17%
Credit score: 640-659 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 8 / 5Length of status:2y 8m
Amount delinquent: $1,003 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,619Stated income:$50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: agreement-transporter Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: Debt consolidation
This loan will be used to... payoff personal loans and credit cards.

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


Monthly net income: $ 3500
Monthly expenses: $2350.00
Housing: $453.00
Insurance: $266.00
Car expenses: $150.00
Utilities: $250.00
Phone, cable, internet: $200.00
Food, entertainment: $200.00
Clothing, household expenses: $250.00
Credit cards and other loans: $580.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 680043
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $584.25
 
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): 6 First credit line: Oct-1975 Debt/Income ratio: 31%
Credit score: 680-699 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 10 / 10Length of status:2y 4m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,651Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: No  
Screen name: prudent-coin0 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
Other
Purpose of loan:
This loan will be used to...pay off debt

My financial situation: I am able to pay my bills but i am trying to get ahead.
I am a good candidate for this loan because...I pay my bills


Monthly net income: $4200
Monthly expenses: $2300
Housing: $0
Insurance: $69.00
Car expenses: $214
Utilities: $56
Phone, cable, internet: $80
Food, entertainment: $120
Clothing, household expenses: $20
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 680097
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
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): 4 First credit line: Aug-1999 Debt/Income ratio: Not calculated
Credit score: 700-719 (Nov-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 1 Current / open credit lines: 4 / 4Length of status:18y 7m
Amount delinquent: $440 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,067Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: fund-prodigy0 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: pay off credit car
This loan will be used to...

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


Monthly net income: $9.900
Monthly expenses: $ 600
Housing: $00
Insurance: $66.50
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $5600
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 680163
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
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): 2 First credit line: Sep-2000 Debt/Income ratio: 101%
Credit score: 620-639 (Nov-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:4y 4m
Amount delinquent: $0 Total credit lines: 19 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,588Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: greeneyedlady613 Borrower's state: Texas Borrower's group: 1st and BEST for Loans
Credit and homeownership information was obtained 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: 93 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,300.00< 31 days late: 0 ( 0% )  
640-659 (Dec-2010)
660-679 (Nov-2009)
660-679 (Oct-2009)
640-659 (Sep-2009)
 
Principal balance: $726.90 31+ days late: 0 ( 0% )
Total payments billed: 93  
Description
Debt consolidation
Purpose of loan: Debt Consolidation
This loan will be used to... paying down some of my debt

My financial situation:
I am a good candidate for this loan because... I have an excellent record of paying my debts and I have had previous Prosper loans and have paid two of them in full.


Monthly net income: $1500.oo
Monthly expenses: $100.00
Housing: $ 0
Insurance: $0
Car expenses: $90.00
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $
Clothing, household expenses: $50.00
Credit cards and other loans: $ 700.00
Other expenses: $
0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 680359
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: A Listing Duration: 14 days
Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 11.23% Borrower rate/APR: 12.23% / 14.49% Monthly payment: $134.17
 
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: Aug-2000 Debt/Income ratio: 16%
Credit score: 820-839 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 3Length of status:2y 9m
Amount delinquent: $0 Total credit lines: 11 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: transaction-sphinx9 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 680389
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 14.25%  
Term: 60 months  
 
Lender yield: 30.65% Borrower rate/APR: 31.65% / 34.41% Monthly payment: $133.50
 
Lender servicing fee: 1.00% Effective Yield*: 27.88%  
Estimated return*: 13.63%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-1997 Debt/Income ratio: Not calculated
Credit score: 680-699 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 24 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $15,494Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: Candy2012 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: Debt Consolidation
This loan will be used to...pay off several credit card accounts which will lower my monthly payment

My financial situation:
I am a good candidate for this loan because...I will be reducing my monthly debt obligations by paying accounts off. My payment history is excellent for last 7 years with no lates and am very dedicated in keeping my credit history perfect and increasing my credit score.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 680485
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Estimated loss*: 4.99%  
Term: 36 months  
 
Lender yield: 14.09% Borrower rate/APR: 15.09% / 18.73% Monthly payment: $520.64
 
Lender servicing fee: 1.00% Effective Yield*: 13.37%  
Estimated return*: 8.38%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jul-1999 Debt/Income ratio: 59%
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 26 / 25Length of status:9y 5m
Amount delinquent: $0 Total credit lines: 44 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $40,890Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 51%  
   Homeownership: Yes  
Screen name: best-responsible-benefit 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...For debt consolidation.

My financial situation:
I am a good candidate for this loan because...it's shows in my credit history and I'm a responsible person and I know what is my capacity.


Monthly net income: $4000
Monthly expenses: $
Housing: $740
Insurance: $200
Car expenses: $300
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $20,000
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 680575
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $108.57
 
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: Mar-1971 Debt/Income ratio: 36%
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 1Employment status:Other
Now delinquent: 6 Current / open credit lines: 5 / 4Length of status:5y 5m
Amount delinquent: $4,173 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: tenacious-agreement71 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
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: $2700
Monthly expenses: 650
Housing: $0
Insurance: $60
Car expenses: $100
Utilities: $400
Phone, cable, internet: $70
Food, entertainment: $150
Clothing, household expenses: $150
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.