Listing Report:Supplement No. 119 dated Dec 14, 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 659617
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 11.23% Borrower rate/APR: 12.23% / 14.49% Monthly payment: $111.80
 
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: Apr-1976 Debt/Income ratio: 17%
Credit score: 740-759 (Dec-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 16 / 16Length of status:4y 6m
Amount delinquent: $0 Total credit lines: 28 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $259,207Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 80%  
   Homeownership: Yes  
Screen name: community-circuit9 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
preferred borrower
Purpose of loan: To assist a child
This loan will be used to...help a daughter with household and auto demands

My financial situation: Improving, my mother, whom I was supporting recently passed away
I am a good candidate for this loan because...
I have never defaulted on a loan in my life.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 662879
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,000 Estimated loss*: 11.25%  
Term: 60 months  
 
Lender yield: 26.59% Borrower rate/APR: 27.59% / 30.23% Monthly payment: $278.00
 
Lender servicing fee: 1.00% Effective Yield*: 24.35%  
Estimated return*: 13.10%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Feb-2001 Debt/Income ratio: 16%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 7Length of status:6y 2m
Amount delinquent: $697 Total credit lines: 25 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,023Stated income:$75,000-$99,999
Delinquencies in last 7y: 4 Bankcard utilization: 87%  
   Homeownership: Yes  
Screen name: new-decisive-worth 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:
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 663153
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $20,000 Estimated loss*: 1.99%  
Term: 36 months  
 
Lender yield: 7.64% Borrower rate/APR: 8.64% / 9.99% Monthly payment: $632.65
 
Lender servicing fee: 1.00% Effective Yield*: 7.46%  
Estimated return*: 5.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Sep-1989 Debt/Income ratio: 28%
Credit score: 780-799 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:17y 2m
Amount delinquent: $0 Total credit lines: 28 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,406Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: restless-openness9 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off and consolidate my credit card debt.
My financial situation:
I am a good candidate for this loan because I have a steady job and intend to be working for at least another 10 years. Other than the credit card debt and a mortgage I have no other major financial obligations, no car loan and have a reliable car that should last another 10 years or more without issue. I want to get my debts paid off as quick as I can to work on paying off my mortgage before I retire. I have an excellent credit rating and other than a couple of late payments, all the debts are current and not late or in collection. I just need help getting the debts all in one loan instead of six or seven cards coming due at different times in the month and having trouble meeting more than the minimum payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 667479
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 5.49%  
Term: 60 months  
 
Lender yield: 18.39% Borrower rate/APR: 19.39% / 21.82% Monthly payment: $170.01
 
Lender servicing fee: 1.00% Effective Yield*: 17.39%  
Estimated return*: 11.90%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1983 Debt/Income ratio: 36%
Credit score: 760-779 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 9 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,924Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: No  
Screen name: openness-machine5 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off my credit cards, to catch up on bills, and to help with Christmas expenses.

My financial situation:
I am a good candidate for this loan because I will be better equipped to save up and pay off this loan with the proceeds and money I can save from being a little ahead on bills. The proceeds will also help with various Christmas expenses.


Monthly net income: $1300
Insurance: $90
Car expenses: $262
Phone, cable, internet: $120
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $225

I would like to pay off my credit debt with the proceeds.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 682161
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: B Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 4.49%  
Term: 36 months  
 
Lender yield: 13.14% Borrower rate/APR: 14.14% / 17.75% Monthly payment: $273.97
 
Lender servicing fee: 1.00% Effective Yield*: 12.52%  
Estimated return*: 8.03%  
* 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: Feb-2001 Debt/Income ratio: 28%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 7Length of status:4y 10m
Amount delinquent: $10,047 Total credit lines: 26 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,496Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 75%  
   Homeownership: Yes  
Screen name: transparency-network Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,700.00< 31 days late: 0 ( 0% )  
740-759 (Oct-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Finish Instrument Pilots License
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 683123
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 27.99%  
Estimated return*: 11.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Dec-1983 Debt/Income ratio: >1000%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 15Length of status:6y 4m
Amount delinquent: $0 Total credit lines: 37 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $13,702Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: No  
Screen name: loyalty-paladin0 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $2,200
Monthly expenses: $1,500
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 685613
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 9.25%  
Term: 60 months  
 
Lender yield: 23.89% Borrower rate/APR: 24.89% / 27.46% Monthly payment: $439.30
 
Lender servicing fee: 1.00% Effective Yield*: 22.06%  
Estimated return*: 12.81%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-1995 Debt/Income ratio: 11%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 6Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 12Length of status:7y 9m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,016Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: unequivocal-felicity7 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
Machine for Jewelery business
Purpose of loan: Laser Machine for Jewelery business
This loan will be used to...buy machine

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 685679
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,150 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 22.98% Borrower rate/APR: 23.98% / 26.53% Monthly payment: $129.40
 
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: Feb-2008 Debt/Income ratio: 18%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 19 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,076Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 64%  
   Homeownership: No  
Screen name: sophisticated-deal055 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay down credit card debt significantly. For the past two years, I was taking car of my niece and nephew alone while being employed part time and attempting to go to school full-time. Now I am switching up and I will be working full-time and doing school part-time.

My financial situation:
I am a good candidate for this loan because I have never missed a payment and I pay my bills on time. I really just want to consolidate my debt and lower my monthly payments by paying off my credit cards.

Monthly net income: $ 1900
Monthly expenses: $ 1650
Housing: $ 650
Insurance: $ 95
Car expenses: $ 375
Utilities: $ 105
Phone, cable, internet: $ 0
Food, entertainment: $ 150
Clothing, household expenses: $ 0
Credit cards and other loans: $ 275
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 685823
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 7.99%  
Term: 12 months  
 
Lender yield: 14.63% Borrower rate/APR: 15.63% / 23.42% Monthly payment: $452.78
 
Lender servicing fee: 1.00% Effective Yield*: 13.58%  
Estimated return*: 5.59%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2005 Debt/Income ratio: 23%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 9 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,226Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 20%  
   Homeownership: No  
Screen name: SnatchedPoet 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
Wedding Loan
Purpose of loan: Wedding expenses
This loan will be used to...finance the photography for our wedding.

My financial situation: Very stable
I am a good candidate for this loan because...I have very few expenses since I live at home and any extra income I save towards the wedding. I pay all my credit cards in full and carry no interest on any of them.


Monthly net income: $3100
Monthly expenses: $100
Housing: $0
Insurance: $900/year (mostly car insurance)
Car expenses: $500/month (gas, auto loan, maintenance, etc.)
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $100/month
Clothing, household expenses: $0
Credit cards and other loans: $300 mostly (student loans)
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 685961
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 27.99%  
Estimated return*: 11.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Mar-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 600-619 (Dec-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:8y 11m
Amount delinquent: $2,996 Total credit lines: 10 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $783Stated income:$50,000-$74,999
Delinquencies in last 7y: 12 Bankcard utilization: 97%  
   Homeownership: No  
Screen name: affluence-metronome Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 13 ( 81% ) 600-619 (Latest)
Principal borrowed: $4,000.00< 31 days late: 3 ( 19% )  
700-719 (Jul-2011)
680-699 (May-2011)
 
Principal balance: $2,749.47 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
Business Expenses
Purpose of loan:
This loan will be used to purchase advertising and marketing materials for my thriving seasonal business.

My financial situation:
I am a good candidate for this loan because the business I have built over the past 2 years is thriving. It is a seasonal business (wedding vendor), and winter is the time to reinvest back into the company.

This year (2012) saw a 75% growth in sales from the previous year (2011). In summer of 2011, when I took out my first Prosper loan, I could barely pay my rent. I can now pay all of my bills, and I've put over 50 subcontractors to work regularly just this year. I've worked relentlessly. My company has since become a major player in our regional market. This year, I was able to start renting an actual office (as opposed to my bedroom). I was also able to afford web development and regional online advertising which greatly expanded our reach. Awareness of our services grew exponentially this year, as did sales.

I also do freelance work in a tangential occupation, so I could pay back this loan even without this business.

My credit score fluctuated earlier this year as I consolidated my debt. I am now current with payment plans for all of my debts, and haven't missed a payment in 9 months.



Monthly net income: $3500
Monthly expenses: $2500
Housing: $1200
Insurance: $
Car expenses: $
Utilities: $200
Phone, cable, internet: $100
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686027
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 6.49%  
Term: 60 months  
 
Lender yield: 20.18% Borrower rate/APR: 21.18% / 23.66% Monthly payment: $135.77
 
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): 4 First credit line: Jul-1996 Debt/Income ratio: Not calculated
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 3Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 11 / 10Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 23Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,615 
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: appetizing-responsibility3 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 660-679 (Latest)
Principal borrowed: $5,600.00< 31 days late: 0 ( 0% )  
740-759 (Mar-2012)
 
Principal balance: $5,119.40 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Other
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3600
Monthly expenses: $1200
Housing: $400
Insurance: $n/a
Car expenses: $n/a
Utilities: $15.00
Phone, cable, internet: $n/a
Food, entertainment: $60.00
Clothing, household expenses: $n/a
Credit cards and other loans: $250.00
Other expenses: $
n/a
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686039
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 1.74%  
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): 8 First credit line: Nov-1994 Debt/Income ratio: 9%
Credit score: 860-879 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 22 / 21Length of status:11y 1m
Amount delinquent: $0 Total credit lines: 63 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,003Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: magnificent-responsibility511 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686051
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 27.99%  
Estimated return*: 11.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-2002 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 3 Current / open credit lines: 3 / 3Length of status:0y 6m
Amount delinquent: $7,627 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,377Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: proper-truth43 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
Vacation
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 686057
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 11.23% Borrower rate/APR: 12.23% / 14.49% Monthly payment: $178.89
 
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: Mar-1993 Debt/Income ratio: 21%
Credit score: 780-799 (Dec-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 2 Current / open credit lines: 11 / 9Length of status:5y 9m
Amount delinquent: $10,995 Total credit lines: 47 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,961Stated income:$25,000-$49,999
Delinquencies in last 7y: 6 Bankcard utilization: 29%  
   Homeownership: Yes  
Screen name: finance-universe9 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
Other
Purpose of loan:
This loan will be used to for a family emergency.

My financial situation:
I am a good candidate for this loan because I pay my bills on time. My home is free and clear and I have an excellent employment history. I am very conscientious when it comes to paying my bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686063
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $20,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 1.99%  
Term: 60 months  
 
Lender yield: 10.01% Borrower rate/APR: 11.01% / 13.25% Monthly payment: $434.95
 
Lender servicing fee: 1.00% Effective Yield*: 9.78%  
Estimated return*: 7.79%  
* 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): 10 First credit line: Dec-1995 Debt/Income ratio: 13%
Credit score: 720-739 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 37 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $81,810Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 71%  
   Homeownership: Yes  
Screen name: moola-society437 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 consolidate debt by paying off existing debt. I will use the Prosper loan to pay off my 401 K loan then I will take out another 401K loan to pay the proper loan and existing debt. Currently my 401 k only allows one loan at a time. I realize this is not ideal for retirement but the money I save in consolidating can be used to repay the 401k faster.
My financial situation:
I am a good candidate for this loan because my income is over $150K and my employment is very stable. I am not a commissioned employee. I have a salary plus bonus. I did not include my bonus in the income, as it is not realistic to rely on it. I am also a member of the National Guard and my income is sufficent to pay the loan off. I have a good credit rating that will get better with the debt consolidated. I pay on time and I hope to pay sooner rather than later.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686769
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 7.99%  
Term: 12 months  
 
Lender yield: 14.63% Borrower rate/APR: 15.63% / 23.42% Monthly payment: $271.67
 
Lender servicing fee: 1.00% Effective Yield*: 13.58%  
Estimated return*: 5.59%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2010 Debt/Income ratio: 9%
Credit score: 720-739 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 4 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $594Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%  
   Homeownership: No  
Screen name: newest-gold-spartan 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
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: $
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 686773
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Minimum Amount to Fund: $2,500 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: Nov-1991 Debt/Income ratio: 38%
Credit score: 760-779 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 22 / 19Length of status:12y 7m
Amount delinquent: $466 Total credit lines: 61 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $49,594Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 59%  
   Homeownership: Yes  
Screen name: excellent-return78 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...

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


Monthly net income: $5,600.00
Monthly expenses: $2,662.00
Housing: $1500.00
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $62.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $800.00
Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686781
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $279.45
 
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): 9 First credit line: Feb-2001 Debt/Income ratio: 14%
Credit score: 640-659 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:16y 11m
Amount delinquent: $0 Total credit lines: 18 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,895Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 67%  
   Homeownership: No  
Screen name: Goal-Commitment136 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
Is to pay off my credit card, and other misc. debt.

My financial situation:
I am a good candidate for this loan because I do pay my bills on time and I am focused on achieving my goals of: 1) paying off my debt. 2) increasing my credit score
and 3) buying a house.


Monthly net income: $2800.00
Monthly expenses: $2454.00

Housing: $967.00
Car expenses: $200.00
Utilities: $260.00
Phone, cable, internet: $250.00
Credit cards and other loans: $577.00
Other expenses: $200.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686893
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 11.75%  
Term: 36 months  
 
Lender yield: 24.66% Borrower rate/APR: 25.66% / 29.54% Monthly payment: $320.88
 
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-1996 Debt/Income ratio: 14%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 2Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 14 Occupation: Executive
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $1,965Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: No  
Screen name: responsibility-vibrato3 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Dental
Purpose of loan:
This loan will be used to purchase an orthotic device for my mother. The device is not yet approved for Medicare coverage because it is new on the market. My mom would really benefit from it; it helpds her walk and we tried it.

My financial situation:
I am a good candidate for this loan because I can repay it pretty quickly. I just don;t have this amount on the side because it wasn't in my budget.


Monthly net income: $10,500
Monthly expenses: $8,500
Housing: $2750
Health Insurance: $300
Nursing Home (additonal payment): $500
Car expenses: $500
Utilities: $50
Phone, cable, internet: $60
Food, entertainment: $1,000
Clothing, household expenses: $600
Credit cards and other loans: $800 (im on a payment program)
kids after-school & classes: $800
Tutoring: $200
Vacations: $700
Other expenses: $200-500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686989
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.25%  
Term: 12 months  
 
Lender yield: 22.78% Borrower rate/APR: 23.78% / 31.73% Monthly payment: $377.81
 
Lender servicing fee: 1.00% Effective Yield*: 20.70%  
Estimated return*: 6.45%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Dec-1979 Debt/Income ratio: 71%
Credit score: 680-699 (Dec-2012) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 32 / 27Length of status:14y 2m
Amount delinquent: $0 Total credit lines: 59 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $39,457Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: Yes  
Screen name: awe-inspiring-peso377 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 680-699 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
720-739 (May-2012)
 
Principal balance: $6,169.63 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Household Expenses
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686995
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 11.75%  
Term: 60 months  
 
Lender yield: 27.27% Borrower rate/APR: 28.27% / 30.93% Monthly payment: $234.74
 
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: Nov-1994 Debt/Income ratio: 16%
Credit score: 640-659 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 7Length of status:4y 9m
Amount delinquent: $30 Total credit lines: 25 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,645Stated income:$25,000-$49,999
Delinquencies in last 7y: 22 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: authoritative-responsibility6 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...

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 687019
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.92% Borrower rate/APR: 24.92% / 28.78% Monthly payment: $337.60
 
Lender servicing fee: 1.00% Effective Yield*: 21.90%  
Estimated return*: 10.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1994 Debt/Income ratio: 14%
Credit score: 660-679 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 3 / 3Length of status:3y 11m
Amount delinquent: $0 Total credit lines: 39 Occupation: Civil Service
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: value-acrobat1 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
Other
Purpose of loan:
This loan will be used to... home improvements, Christmas, appliances for kitchen.

My financial situation:
I am a good candidate for this loan because... I have reliable employment that I can verify.


Monthly net income: $4k
Monthly expenses:
Housing:600
Insurance: $100
Car expenses: $220
Utilities: $250
Phone, cable, internet: $120
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 687025
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 16.75%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $173.71
 
Lender servicing fee: 1.00% Effective Yield*: 27.99%  
Estimated return*: 11.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1997 Debt/Income ratio: 1%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 7Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:2y 5m
Amount delinquent: $0 Total credit lines: 5 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,239Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 38%  
   Homeownership: No  
Screen name: rhythm464 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
Business
Purpose of loan: Expansion and working capital
This loan will be used to...Buy equipment, office supplies, pay employees, market and advertise the new products we offer through the company.

My financial situation: Good
I am a good candidate for this loan because...
I am a owner in this company and would love to see it grow to help the community with all their needs.

Monthly net income: $3000
Monthly expenses: $1300
Housing: $900
Insurance: $75
Car expenses: $150
Utilities: $included in rent
Phone, cable, internet: $30
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $100
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 687097
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Minimum Amount to Fund: $3,500 Estimated loss*: 0.99%  
Term: 60 months  
 
Lender yield: 8.61% Borrower rate/APR: 9.61% / 11.82% Monthly payment: $105.28
 
Lender servicing fee: 1.00% Effective Yield*: 8.51%  
Estimated return*: 7.52%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Nov-1991 Debt/Income ratio: 8%
Credit score: 800-819 (Dec-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,598Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 28%  
   Homeownership: Yes  
Screen name: lively-pound728 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
pay 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 668476
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $86.85
 
Lender servicing fee: 1.00% Effective Yield*: 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: Nov-1998 Debt/Income ratio: 18%
Credit score: 640-659 (Dec-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:12y 7m
Amount delinquent: $0 Total credit lines: 18 Occupation: Bus Driver
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,186Stated income:$25,000-$49,999
Delinquencies in last 7y: 14 Bankcard utilization: 75%  
   Homeownership: No  
Screen name: green-silver-papyrus Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Other
Purpose of loan:
This loan will be used to...

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 683942
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.75%  
Term: 36 months  
 
Lender yield: 29.06% Borrower rate/APR: 30.06% / 34.05% Monthly payment: $169.94
 
Lender servicing fee: 1.00% Effective Yield*: 26.43%  
Estimated return*: 11.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1996 Debt/Income ratio: 41%
Credit score: 740-759 (Dec-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 21 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,666Stated income:$25,000-$49,999
Delinquencies in last 7y: 10 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: a-sharp-power 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: Credit Card consolidation
This loan will be used to... have one monthly payment for my credit card bills

My financial situation: excellent
I am a good candidate for this loan because... low bills, have a good budget


Monthly net income: $ 7,000
Monthly expenses: $ 500
Housing: $ 1250
Insurance: $ 300
Car expenses: $ 800
Utilities: $ 125
Phone, cable, internet: $ 110
Food, entertainment: $ 400
Clothing, household expenses: $ 300
Credit cards and other loans: $ 500
Other expenses: $ 200
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 685862
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,350 Estimated loss*: 2.99%  
Term: 60 months  
 
Lender yield: 12.46% Borrower rate/APR: 13.46% / 15.75% Monthly payment: $241.39
 
Lender servicing fee: 1.00% Effective Yield*: 12.05%  
Estimated return*: 9.06%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-1995 Debt/Income ratio: 67%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 21 / 19Length of status:5y 9m
Amount delinquent: $0 Total credit lines: 36 Occupation: Analyst
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $12,168Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: lasm1989 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 66 ( 100% ) 700-719 (Latest)
Principal borrowed: $11,500.00< 31 days late: 0 ( 0% )  
640-659 (Sep-2010)
640-659 (Oct-2009)
640-659 (Sep-2009)
620-639 (Oct-2008)
 
Principal balance: $1,756.82 31+ days late: 0 ( 0% )
Total payments billed: 66  
Description
Home Repair
Purpose of loan: Home Repair
This loan will be used to... to fix up my mother's home it is in need of a new roof, all the plumbing needs to be replaced. The home has copper pipes which needs to be changed to the pvc pipe and the home needs re-wiring (electrical). Need painting inside, new carpet and tile and a new foundation put into the bathroom. Will also upgrade windows and doors

My financial situation: Very good I have worked really hard to re-establish my credit.
I am a good candidate for this loan because... I have paid off two prosper loans and only 1 year away from paying off my third prosper loan. I have never been deliquent on any prosper loan or any other bills I have currently. I have an extra $798.00 a month in addition to my income if needed to help repay this loan and if asked by prosper to provide bank statements. If a lender wants to know the origination of these funds just ask. I would be very grateful if you consider me for this loan. Thanks
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 685904
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 5.99%  
Term: 60 months  
 
Lender yield: 19.24% Borrower rate/APR: 20.24% / 22.69% Monthly payment: $346.16
 
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-2001 Debt/Income ratio: 5%
Credit score: 760-779 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 5Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 49 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,800Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 35%  
   Homeownership: Yes  
Screen name: detective073 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
Medical/Dental
Purpose of loan: Medical Expenses
This loan will be used to pay for unexpected medical expenses.

My financial situation: Excellent
I am a good candidate for this loan because I have great credit, strong income, no defaults, excellent payment history. I Live a financially stable lifestyle.


Monthly net income: $13000
Monthly expenses: $
Housing: $1351
Insurance: $200
Car expenses: $200
Utilities: $200
Phone, cable, internet: $130
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $130
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 685958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 16.25%  
Term: 36 months  
 
Lender yield: 30.77% Borrower rate/APR: 31.77% / 35.80% Monthly payment: $130.28
 
Lender servicing fee: 1.00% Effective Yield*: 27.99%  
Estimated return*: 11.74%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-1987 Debt/Income ratio: 26%
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 16 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,132Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: No  
Screen name: wise-dollar-goblin 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
Auto
Purpose of loan:
This loan will be used to...
Pay for repairs on auto.
My financial situation: Do not have enough available funds to cover the cost of repairs.
I am a good candidate for this loan because... I am very good at repaying my debts on time.


Monthly net income: $2,124.00
Monthly expenses:
Housing: $960.00
Insurance: $58.00/mo.
Car expenses: $60.00
Utilities: $54.00
Phone, cable, internet: $100.00
Food, entertainment: $200.00
Clothing, household expenses: $
Credit cards and other loans: $550.00
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686036
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 13.75%  
Term: 60 months  
 
Lender yield: 29.97% Borrower rate/APR: 30.97% / 33.71% Monthly payment: $131.81
 
Lender servicing fee: 1.00% Effective Yield*: 27.29%  
Estimated return*: 13.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jan-1984 Debt/Income ratio: 47%
Credit score: 620-639 (Dec-2012) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $61,532Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: luvbst Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 4 On-time: 66 ( 100% ) 620-639 (Latest)
Principal borrowed: $21,800.00< 31 days late: 0 ( 0% )  
620-639 (Oct-2011)
680-699 (Nov-2010)
640-659 (Oct-2010)
660-679 (Aug-2009)
 
Principal balance: $2,747.36 31+ days late: 0 ( 0% )
Total payments billed: 66  
Description
5th Prosper Loan -Debt Consolidatio
Purpose of loan:
Payoff previous Prosper Loan

My financial situation:
Over the past 5 years, I have never missed a Prosper payment or loan


Monthly net income: $3691
Monthly expenses: $3170
Housing: $685
Insurance: $35
Car expenses: $50
Utilities: $25
Phone, cable, internet: $165
Food, entertainment: $550
Clothing, household expenses: $50

Credit cards and other loans: $1600
Other expenses: $75
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686096
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: C Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 8.49%  
Term: 36 months  
 
Lender yield: 19.99% Borrower rate/APR: 20.99% / 24.76% Monthly payment: $94.17
 
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-1994 Debt/Income ratio: Not calculated
Credit score: 740-759 (Nov-2012) Inquiries last 6m: 1Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:17y 6m
Amount delinquent: $0 Total credit lines: 43Stated income:Not employed
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,271 
Delinquencies in last 7y: 6 Bankcard utilization: 25%  
   Homeownership: No  
Screen name: showcase686 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:
I am a good candidate for this loan because...


Monthly net income: $1,849.00
Monthly expenses: $700.00
Housing: $282.00
Insurance: $94.85
Car expenses: $0
Utilities: $130
Phone, cable, internet: $150.00
Food, entertainment: $150.00
Clothing, household expenses: $25.00
Credit cards and other loans: $1,450
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686646
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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
Minimum Amount to Fund: $8,400 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 9.74% Monthly payment: $378.20
 
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: Aug-2006 Debt/Income ratio: 8%
Credit score: 820-839 (Nov-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 12 Occupation: Investor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $213Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 1%  
   Homeownership: Yes  
Screen name: bazaar-champion0 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
Pay of Student Loans
Purpose of loan:
This loan will be used to...
Pay off some student loans and a small amount owed to the IRS from last year.
My financial situation:
I am a good candidate for this loan because...
I have a stable, well-paying job at a bank, and I have a strong credit history and have never had an issue paying my bills on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686688
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $155.80
 
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): 5 First credit line: Nov-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 800-819 (Dec-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:10y 1m
Amount delinquent: $0 Total credit lines: 23 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $15,124Stated income:$50,000-$74,999
Delinquencies in last 7y: 5 Bankcard utilization: 44%  
   Homeownership: Yes  
Screen name: stable-benefit982 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 payoff debt and medical bills

I am a business owner and Teacher in my music studio.

I have always paid my bills on time except for the lates showing on my credit report from my home loan modification I compleated last year. My payment was lowered by $1,000 a month.
So I now have more cash flow and want to start paying off my other debt.

I thank you in advance for considering to participate in funding my loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686736
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,000 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $321.45
 
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: Jun-1983 Debt/Income ratio: 16%
Credit score: 760-779 (Dec-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 15 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,027Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%  
   Homeownership: No  
Screen name: Our_Little_Family Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Family In Need Of A Little Help
Purpose of loan:
This loan will be used to... pay a few bills that ended up being a little larger then expected during the holiday season and mainly to build a financial cushion, so that I will have money in case of any unforeseen issues that may occur (ex. medical bills, car repairs, etc)

My financial situation:
I am a good candidate for this loan because... I have a wonderful career as a teacher (steady income), I pay all my bills on time and in full and ultimately I will have no problem repaying the loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686818
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 13.75%  
Term: 60 months  
 
Lender yield: 29.97% Borrower rate/APR: 30.97% / 33.71% Monthly payment: $131.81
 
Lender servicing fee: 1.00% Effective Yield*: 27.29%  
Estimated return*: 13.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Mar-1984 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Dec-2012) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:0y 10m
Amount delinquent: $486 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,762Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: Yes  
Screen name: dignified-justice9 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,500.00< 31 days late: 0 ( 0% )  
760-779 (Jun-2012)
 
Principal balance: $4,843.84 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Business
Purpose of loan:
finance the equipment needed to add STEM (Science Technology Engineering Mathmatics) to our current business. We need a dozen apple laptops as I will be teaching students how to develop a game-based app on Android & IOS. I have eight students signed up thus far

My financial situation:
I am a good candidate for this loan because...
Even though it has been a rough year in business, we do pay all of our bills. Also, our business is growing every month, and we are coming up on our really busy time (January through April.

Monthly net income: $ 3,900.00
Monthly expenses: $ 3,300.00
Housing: $ 1,000.00
Insurance: $ 97,00
Car expenses: $ 500.00
Utilities: $ 300.00
Phone, cable, internet: $110.00
Food, entertainment: $ 300.
Clothing, household expenses: $175.00
Credit cards and other loans: $ 700.00
Other expenses: $ 115.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686848
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 10.25%  
Term: 60 months  
 
Lender yield: 25.24% Borrower rate/APR: 26.24% / 28.85% Monthly payment: $285.79
 
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: Mar-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Dec-2012) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 46 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,862Stated income:$100,000+
Delinquencies in last 7y: 13 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: ThatCigarLady Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Dental
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 686968
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 11.23% Borrower rate/APR: 12.23% / 14.49% Monthly payment: $335.41
 
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-2003 Debt/Income ratio: Not calculated
Credit score: 740-759 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 10Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,505Stated income:$0
Delinquencies in last 7y: 7 Bankcard utilization: 6%  
   Homeownership: No  
Screen name: thankful-peace426 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 92% ) 740-759 (Latest)
Principal borrowed: $4,500.00< 31 days late: 1 ( 8% )  
700-719 (Nov-2011)
 
Principal balance: $2,753.54 31+ days late: 0 ( 0% )
Total payments billed: 12  
Description
Disability Loan
Purpose of loan:
Cover additional medical expenses that result from having a disability that are not covered by my healthcare provisions or my job.

My financial situation:
I am a good candidate for this loan because I have a stable and permanent job that enables me to meet the monthly payments for the loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 687016
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 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-1982 Debt/Income ratio: 18%
Credit score: 660-679 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:2y 7m
Amount delinquent: $0 Total credit lines: 27 Occupation: Attorney
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,566Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 99%  
   Homeownership: Yes  
Screen name: orange-thrilling-wampum 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
Other
Purpose of loan:
This loan will be used to pay taxes

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


Monthly net income: $6000
Monthly expenses: $
Housing: $1600
Insurance: $30
Car expenses: $90
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $150
Credit cards and other loans: $1600
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 687076
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event 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: A Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $80.36
 
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: Apr-1987 Debt/Income ratio: 34%
Credit score: 780-799 (Dec-2012) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 19Length of status:29y 7m
Amount delinquent: $0 Total credit lines: 44 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,320Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 18%  
   Homeownership: Yes  
Screen name: capital-promise7 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 780-799 (Latest)
Principal borrowed: $9,000.00< 31 days late: 0 ( 0% )  
820-839 (Dec-2011)
 
Principal balance: $7,715.93 31+ days late: 0 ( 0% )
Total payments billed: 11  
Description
Hangar Improvements
Purpose of loan:
This loan will be used to...update the electric service and refinish the interior of my aircraft hangar located at Sackman Field in Columbia IL. Identifier H49

My financial situation:
I am a good candidate for this loan because...I have a perfect record of making payments on time.
My employment as a Multi-Media Journalist at the local NBC affiliate is stable.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 687100
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 2.49%  
Term: 60 months  
 
Lender yield: 11.23% Borrower rate/APR: 12.23% / 14.49% Monthly payment: $335.41
 
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: Jun-1996 Debt/Income ratio: 21%
Credit score: 740-759 (Dec-2012) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 27 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,442Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: No  
Screen name: first-nickel-seagull 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
Auto
Purpose of loan:
This loan will be used to...buy a car

My financial situation: is stable
I am a good candidate for this loan because...I am responsible and in all circumstances I always pay my bills
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 687118
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 7.99%  
Term: 60 months  
 
Lender yield: 22.33% Borrower rate/APR: 23.33% / 25.86% Monthly payment: $283.80
 
Lender servicing fee: 1.00% Effective Yield*: 20.76%  
Estimated return*: 12.77%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own 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-2001 Debt/Income ratio: 13%
Credit score: 600-619 (Dec-2012) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 3 Current / open credit lines: 10 / 10Length of status:6y 7m
Amount delinquent: $0 Total credit lines: 23 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,467Stated income:$75,000-$99,999
Delinquencies in last 7y: 33 Bankcard utilization: 42%  
   Homeownership: No  
Screen name: DVC-Junkie Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 1 ( 11% ) 600-619 (Latest)
Principal borrowed: $10,000.00< 31 days late: 8 ( 89% )  
660-679 (Feb-2012)
 
Principal balance: $9,119.48 31+ days late: 0 ( 0% )
Total payments billed: 9  
Description
Debt consolidation
Purpose of loan: Debt Consolidation

Im a good candidate because i pay my bills. I have had an identity theft case that I have been fighting for years, and it has plagued by credit score.
Information in the Description is not verified.