Listing Report:Supplement No. 20 dated Feb 15, 2013 to Prospectus dated Feb 04, 2013
File pursuant to Rule 424(b)(3)
Registration Statement Nos. 333-179941 and 333-179941-01
Prosper Funding LLC
Borrower Payment Dependent Notes

Prosper Marketplace, Inc.
PMI Management Rights
This Listing Report supplements the prospectus dated Feb 04, 2013 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") Prosper Funding LLC is currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Feb 04, 2013 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes. As described in the prospectus dated Feb 04, 2013, each Note will come attached with a PMI Management Right issued by Prosper Marketplace, Inc.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series 709062
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 9.75%  
Term: 60 months  
 
Lender yield: 23.32% Borrower rate/APR: 24.32% / 26.88% Monthly payment: $289.54
 
Lender servicing fee: 1.00% Effective Yield*: 21.48%  
Estimated return*: 11.73%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1998 Debt/Income ratio: 26%
Credit score: 680-699 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:34y 4m
Amount delinquent: $0 Total credit lines: 28 Occupation: Analyst
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $17,590Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: intelligent-loot8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Pay off taxs
My financial situation:
I am a good candidate for this loan because...
I pay my bills all the tome

Monthly net income: $4100.00
Monthly expenses: $2500.00
Housing: $1109.00
Insurance: $153.00
Car expenses: $00
Utilities: $100
Phone, cable, internet: $130
Food, entertainment: $250
Clothing, household expenses: $100
Credit cards and other loans: $450
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 709112
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.49%  
Term: 36 months  
 
Lender yield: 6.59% Borrower rate/APR: 7.59% / 8.93% Monthly payment: $778.69
 
Lender servicing fee: 1.00% Effective Yield*: 6.47%  
Estimated return*: 4.98%  
* 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-1985 Debt/Income ratio: 11%
Credit score: 780-799 (Feb-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:3y 7m
Amount delinquent: $0 Total credit lines: 32 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $47,642Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 50%  
   Homeownership: Yes  
Screen name: rate-mulberry1 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to address credit card debt.

My financial situation:
I am a good candidate for this loan because of my salary and timely payments. Rates are high and revolving and I need to get out have a plan and stick to it. I intend to close most accounts once satisfied.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 712442
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: D Listing Duration: 14 days
Estimated loss*: 9.25%  
Term: 36 months  
 
Lender yield: 20.99% Borrower rate/APR: 21.99% / 25.78% Monthly payment: $95.46
 
Lender servicing fee: 1.00% Effective Yield*: 19.37%  
Estimated return*: 10.12%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-1993 Debt/Income ratio: 13%
Credit score: 680-699 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 5 / 5Length of status:0y 5m
Amount delinquent: $955 Total credit lines: 25 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,004Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%  
   Homeownership: No  
Screen name: bold-fascinating-affluence 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
Emergency Surgery for Pet Dog
Purpose of loan:
This loan will be used to pay for screwtail surgery for my dog.
She as a really bad infection due to a tail that grew back into her body. The only way to fix it for good it to have the tail removed and the infected pocket will go away.

My financial situation:
I am a good candidate for this loan because I have almost no debt, a stable full time job and have spent the last few years rebuilding my credit.


Monthly net income: $1554
Monthly expenses: $753
Housing: N/A Spouse pays mortgage
Insurance: $163 (Car insurance)
Car expenses: $100 Gas
Utilities: N/A Spouse pays
Phone, cable, internet: N/A Spouse pays
Food, entertainment: $100
Clothing, household expenses: $200
Credit cards and other loans: $190/mo
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 712570
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: $13,250.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.75%  
Term: 36 months  
 
Lender yield: 24.66% Borrower rate/APR: 25.66% / 29.54% Monthly payment: $531.45
 
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): 4 First credit line: Nov-1982 Debt/Income ratio: 13%
Credit score: 700-719 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 16 / 14Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 43 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,719Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: organic-value9 Borrower's state: Arkansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Wedding and Debt Consolidation
Purpose of loan:
This loan will be used to pay some of the advance expenses for an upcoming wedding and to pay off some outstading debts.
My financial situation is stable as evidenced by my five plus years on the same job.
I am a good candidate for this loan because I am also selling a classic car and intend to use most of the proceeds from that sale to pay down a large portion of this loan. I did not want to cut the price on the car for sake of quick cash so this loan gives me time to market it more effectively.
Monthly net income: $3,600 (excludes divorce settlement payment)
Monthly expenses: $2000
Housing: 0
Insurance: $200
Car expenses: $0
Utilities: $150
Phone, cable, internet: $71.36
Food, entertainment: varies
Clothing, household expenses: varies
Credit cards and other loans: $400
Other expenses: varies
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 712928
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 2.99%  
Term: 12 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 12.12% Monthly payment: $261.51
 
Lender servicing fee: 1.00% Effective Yield*: 7.13%  
Estimated return*: 4.14%  
* 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: Jan-1998 Debt/Income ratio: 18%
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 4Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 19 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,671Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: rcxgza Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 3 On-time: 29 ( 100% ) 720-739 (Latest)
Principal borrowed: $11,000.00< 31 days late: 0 ( 0% )  
680-699 (Feb-2012)
700-719 (Sep-2011)
740-759 (Oct-2010)
620-639 (Feb-2008)
 
Principal balance: $174.16 31+ days late: 0 ( 0% )
Total payments billed: 29  
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate remaining debt.
My financial situation:
I am a good candidate for this loan because I have had three previous prosper loans and and have never had any delinquency. I have a steady job and will be able to make my payments on time.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 712952
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: $3,400.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.24%  
Term: 12 months  
 
Lender yield: 10.77% Borrower rate/APR: 11.77% / 17.49% Monthly payment: $301.72
 
Lender servicing fee: 1.00% Effective Yield*: 10.19%  
Estimated return*: 4.95%  
* 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: Aug-1970 Debt/Income ratio: Not calculated
Credit score: 820-839 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:12y 7m
Amount delinquent: $0 Total credit lines: 20 Occupation: Architect
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,059Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: No  
Screen name: historic-social676 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
Medical/Dental
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
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 712958
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 8.74%  
Term: 36 months  
 
Lender yield: 20.24% Borrower rate/APR: 21.24% / 25.01% Monthly payment: $75.60
 
Lender servicing fee: 1.00% Effective Yield*: 18.73%  
Estimated return*: 9.99%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-2001 Debt/Income ratio: 15%
Credit score: 680-699 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 4 / 3Length of status:5y 4m
Amount delinquent: $0 Total credit lines: 22 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $745Stated income:$25,000-$49,999
Delinquencies in last 7y: 8 Bankcard utilization: 53%  
   Homeownership: No  
Screen name: safehouse896 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 713000
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
Estimated loss*: 3.74%  
Term: 60 months  
 
Lender yield: 11.69% Borrower rate/APR: 12.69% / 14.97% Monthly payment: $338.92
 
Lender servicing fee: 1.00% Effective Yield*: 11.22%  
Estimated return*: 7.48%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-1993 Debt/Income ratio: 32%
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 11Length of status:23y 1m
Amount delinquent: $0 Total credit lines: 36 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,036Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%  
   Homeownership: No  
Screen name: the-ecstatic-principal 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 38 ( 100% ) 720-739 (Latest)
Principal borrowed: $11,500.00< 31 days late: 0 ( 0% )  
620-639 (Jul-2011)
680-699 (Sep-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 38  
Description
Lowering a high APR
Purpose of loan: I need to lower a high Lending Club APR
This loan will be used to... Pay off my only debt on my report

My financial situation: Excellent. I've been at the same job with a strong company for 20+ years
I am a good candidate for this loan because... I PAY MY BILLS - Not a missed or late payment on my report... EVER!
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 713012
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: AA Listing Duration: 14 days
Estimated loss*: 1.49%  
Term: 60 months  
 
Lender yield: 6.79% Borrower rate/APR: 7.79% / 9.96% Monthly payment: $211.85
 
Lender servicing fee: 1.00% Effective Yield*: 6.66%  
Estimated return*: 5.17%  
* 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: Jan-1994 Debt/Income ratio: 21%
Credit score: 800-819 (Feb-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:10y 4m
Amount delinquent: $0 Total credit lines: 42 Occupation: Fireman
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,744Stated income:$75,000-$99,999
Delinquencies in last 7y: 8 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: radiant-dollar788 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 16 ( 100% ) 800-819 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
800-819 (Aug-2012)
780-799 (Apr-2012)
780-799 (Jul-2011)
 
Principal balance: $9,834.53 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
Debt consolidation
Purpose of loan: Refinance the current prosper loan that is at 18 percent it just makes sense to have the better rate

My financial situation: Stronger than it was before. I have been paid down 6k in debt since november and with this loan I want to reduce the intrest rate on the loan I have at 18 percent. I figured I would keep the loan in house and do the refinance with prosper.
I am a good candidate for this loan because... I pay. I know this is your hard earned money and I will not be the guy who takes it from other hard working people my record with prosper is flawless one already paid in full the other has nothing but current status. thanks for your consideration.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 713268
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.92% Borrower rate/APR: 24.92% / 28.78% Monthly payment: $397.18
 
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): 3 First credit line: Aug-2000 Debt/Income ratio: 44%
Credit score: 680-699 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:2y 6m
Amount delinquent: $0 Total credit lines: 32 Occupation: Social Worker
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,151Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: transparency-prominence288 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: $
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 713860
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: AA Listing Duration: 14 days
Estimated loss*: 1.99%  
Term: 36 months  
 
Lender yield: 7.49% Borrower rate/APR: 8.49% / 9.84% Monthly payment: $63.13
 
Lender servicing fee: 1.00% Effective Yield*: 7.31%  
Estimated return*: 5.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jul-1999 Debt/Income ratio: 28%
Credit score: 740-759 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:13y 10m
Amount delinquent: $0 Total credit lines: 32 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,913Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%  
   Homeownership: No  
Screen name: Tgrlilly 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 43 ( 100% ) 740-759 (Latest)
Principal borrowed: $17,000.00< 31 days late: 0 ( 0% )  
680-699 (Oct-2011)
700-719 (Jul-2010)
700-719 (Apr-2010)
700-719 (Mar-2010)
 
Principal balance: $6,618.26 31+ days late: 0 ( 0% )
Total payments billed: 43  
Description
Other
Purpose of loan:
Help pay for my mothers funeral. After several years of illness,pain and struggle my mother is finally at peace. We will lay her to rest next to my sister where my mom had purchased a burial plot all those years ago (1977). Unfortunately, this does not include the casket, service or headstone. My brothers and I have most of the cost covered just another 2K will take care of what is left. My mother was the greatest, strongest and most compassionate person I have ever known. She was my hero and I will miss her. Please, will you help?

My financial situation:
I am a good candidate for this loan because...I have an excellent payback history with Prosper. I am very stable. Have been living in the same place for 12 years and been employed with the same company for 13 years. I also have a second/part time job I have been working for 7 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 713974
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.99%  
Term: 60 months  
 
Lender yield: 17.19% Borrower rate/APR: 18.19% / 20.59% Monthly payment: $637.42
 
Lender servicing fee: 1.00% Effective Yield*: 16.19%  
Estimated return*: 10.20%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1991 Debt/Income ratio: 30%
Credit score: 800-819 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 6Length of status:1y 7m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,643Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: upbeat-commerce3 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 714012
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.74%  
Term: 36 months  
 
Lender yield: 11.49% Borrower rate/APR: 12.49% / 15.32% Monthly payment: $183.97
 
Lender servicing fee: 1.00% Effective Yield*: 11.02%  
Estimated return*: 7.28%  
* 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-2000 Debt/Income ratio: 24%
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 0Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:46y 5m
Amount delinquent: $0 Total credit lines: 29 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,262Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%  
   Homeownership: No  
Screen name: point-transformer8 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: 21 ( 100% ) 720-739 (Latest)
Principal borrowed: $6,509.18< 31 days late: 0 ( 0% )  
660-679 (Apr-2011)
 
Principal balance: $5,193.41 31+ days late: 0 ( 0% )
Total payments billed: 21  
Description
Medical/Dental
Purpose of loan:
This loan will be used to...cover expense for new dentures and to pay for medical bills.

My financial situation:
I am a good candidate for this loan because...I pay all my bills on time. I also continue to maintain a very good credit score from all three credit agencies. I pride myself in never having to declare bankruptcy by making certain that I pay close attention how I manage my income.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 714054
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 7.99%  
Term: 36 months  
 
Lender yield: 19.19% Borrower rate/APR: 20.19% / 23.94% Monthly payment: $372.60
 
Lender servicing fee: 1.00% Effective Yield*: 17.83%  
Estimated return*: 9.84%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-2004 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 9 / 9Length of status:7y 3m
Amount delinquent: $2,387 Total credit lines: 20 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,517Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: auction-rancher0 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
Web Hosting Business
Purpose of loan:
This loan will be used to buy servers for my dedicated server rental company, which has been in business for 3 years.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time and I'm not afraid to work hard to meet my promises and obligations. I've been self employed running businesses similar to this one since 2005. All of my day to day expenses are covered through income earned from the business I started in 2005, which is at this point passive income since that business requires none of my time. Therefore all of the cashflow the web hosting business generates can be used to grow that business.

The web hosting business this loan is for was started in late 2009, incorporated in mid 2010. The business is profitable, generating positive cash flow, and growing quickly. The proceeds of the loan will allow us to buy enough servers to generate enough revenue, to improve cashflow by an amount far greater than the monthly payment on the loan. It will not be difficult for us to make the loan payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 714084
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.75%  
Term: 36 months  
 
Lender yield: 24.66% Borrower rate/APR: 25.66% / 29.54% Monthly payment: $401.10
 
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): 2 First credit line: Sep-1980 Debt/Income ratio: 21%
Credit score: 680-699 (Feb-2013) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 14Length of status:27y 4m
Amount delinquent: $0 Total credit lines: 30 Occupation: Biologist
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,625Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: investment-keeper8 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
BusinessJumpin' Kritters
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 709849
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Estimated loss*: 3.99%  
Term: 60 months  
 
Lender yield: 12.34% Borrower rate/APR: 13.34% / 15.63% Monthly payment: $573.19
 
Lender servicing fee: 1.00% Effective Yield*: 11.81%  
Estimated return*: 7.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Nov-1984 Debt/Income ratio: 16%
Credit score: 760-779 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:10y 4m
Amount delinquent: $0 Total credit lines: 27 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,425Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 52%  
   Homeownership: Yes  
Screen name: first-class-truth3 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...payoff all credit cards as well as IRS. This will be the first time I have had to pay the IRS for any tax year. I also plan to purchase a shed for the home.

My financial situation:
I am a good candidate for this loan because...my ability to pay, time at employment, credit history and longevity with US Bank.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 712253
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Estimated loss*: 7.49%  
Term: 36 months  
 
Lender yield: 18.39% Borrower rate/APR: 19.39% / 23.12% Monthly payment: $552.80
 
Lender servicing fee: 1.00% Effective Yield*: 17.14%  
Estimated return*: 9.65%  
* 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): 5 First credit line: Nov-2007 Debt/Income ratio: 16%
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:4y 1m
Amount delinquent: $0 Total credit lines: 11 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,676Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 11%  
   Homeownership: No  
Screen name: dedicated-worth136 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
Business
Purpose of loan:
This loan will be used to buy inventory for my internet business

My financial situation:
I am a good candidate for this loan because knowing myself as a hard worker,an ambitious person, an given my determination to achieve my goal, I'm sure I'll be able to pay the loan back within three years, even less, if the opportunity is given to me. I did before with my first car loan. The length of the loan was 5 years, but I worked hard and paid it off in three years with all the interests...


Monthly net income: $3,500
Monthly expenses: $
Housing: $600
Insurance: $250
Car expenses: $350
Utilities: $
Phone, cable, internet: $150
Food, entertainment: $500
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 712979
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 5.24%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 19.24% Monthly payment: $873.87
 
Lender servicing fee: 1.00% Effective Yield*: 13.82%  
Estimated return*: 8.58%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-1984 Debt/Income ratio: 20%
Credit score: 760-779 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:3y 8m
Amount delinquent: $0 Total credit lines: 38 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $58,889Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 66%  
   Homeownership: Yes  
Screen name: receptive-auction723 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
Business
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because... I have always paid my bills and other creditors on time. My existing business has been in operation for 6 years and has continued to grow in y-o-y in revenues by 20K and we are seeing our annual revenues exceed 400K. I have over 20 years of sales and marketing experience in telecommunications and have a solid inclome performance.


Monthly net income: $8,500
Monthly expenses: $3,750
Housing: $1,500
Insurance: $200
Car expenses: $450
Utilities: $100
Phone, cable, internet: $150
Food, entertainment: $450
Clothing, household expenses: $100
Credit cards and other loans: $800
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 712991
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.75%  
Term: 60 months  
 
Lender yield: 26.36% Borrower rate/APR: 27.36% / 30.00% Monthly payment: $153.75
 
Lender servicing fee: 1.00% Effective Yield*: 24.10%  
Estimated return*: 12.35%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Jul-1992 Debt/Income ratio: 18%
Credit score: 740-759 (Feb-2013) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:8y 1m
Amount delinquent: $0 Total credit lines: 47 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $23,511Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: Yes  
Screen name: best-authentic-dollar 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
Large Purchases
Purpose of loan:
This loan will be used to...
Personal
My financial situation: XCEL Federal Credit Union
I am a good candidate for this loan because...I pay my bills


Monthly net income: $8000.00
Monthly expenses: $7000.00
Housing: $2300.00 per month
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 713751
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 4.99%  
Term: 60 months  
 
Lender yield: 14.79% Borrower rate/APR: 15.79% / 18.14% Monthly payment: $363.10
 
Lender servicing fee: 1.00% Effective Yield*: 14.04%  
Estimated return*: 9.05%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1995 Debt/Income ratio: 36%
Credit score: 800-819 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:3y 2m
Amount delinquent: $0 Total credit lines: 61 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,790Stated income:$1-$24,999
Delinquencies in last 7y: 1 Bankcard utilization: 14%  
   Homeownership: Yes  
Screen name: deal-xylophone9 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 713799
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 11.75%  
Term: 60 months  
 
Lender yield: 26.36% Borrower rate/APR: 27.36% / 30.00% Monthly payment: $153.75
 
Lender servicing fee: 1.00% Effective Yield*: 24.10%  
Estimated return*: 12.35%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-2002 Debt/Income ratio: 20%
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 8Length of status:4y 9m
Amount delinquent: $140 Total credit lines: 26 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $493Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: Yes  
Screen name: credit-doctor322 Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical/Dental
Purpose of loan:
This loan will be used to...
Finance my unpaid maternity leave.
My financial situation:
I am a good candidate for this loan because my husband and I are super responsible about our bills and credit. Also, my husband has a small Prosper loan (nearly paid off) that we took when I had my first child, and our payment record is perfect.


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 713899
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: D Listing Duration: 14 days
Estimated loss*: 10.25%  
Term: 36 months  
 
Lender yield: 22.46% Borrower rate/APR: 23.46% / 27.29% Monthly payment: $486.87
 
Lender servicing fee: 1.00% Effective Yield*: 20.64%  
Estimated return*: 10.39%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Mar-2005 Debt/Income ratio: 20%
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 4Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:0y 11m
Amount delinquent: $0 Total credit lines: 22 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $267Stated income:$50,000-$74,999
Delinquencies in last 7y: 4 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: wise-revenue-whomper 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
Home improvement
Purpose of loan:
This loan will be used to...install new windows and a new roof on my house.

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 713971
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
Estimated loss*: 2.99%  
Term: 60 months  
 
Lender yield: 9.99% Borrower rate/APR: 10.99% / 13.23% Monthly payment: $217.37
 
Lender servicing fee: 1.00% Effective Yield*: 9.65%  
Estimated return*: 6.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Dec-1983 Debt/Income ratio: 5%
Credit score: 840-859 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 11 / 11Length of status:17y 10m
Amount delinquent: $54,364 Total credit lines: 42 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,360Stated income:$100,000+
Delinquencies in last 7y: 2 Bankcard utilization: 17%  
   Homeownership: Yes  
Screen name: attractive-credit60 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...
Purchase auto for daughters wedding gift
My financial situation:
I am a good candidate for this loan because...

I have solid credit history, earn over 200,000 per year, been employed 18 years prior employment 9 years.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 714039
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: B Listing Duration: 14 days
Estimated loss*: 4.99%  
Term: 36 months  
 
Lender yield: 14.09% Borrower rate/APR: 15.09% / 18.73% Monthly payment: $867.74
 
Lender servicing fee: 1.00% Effective Yield*: 13.37%  
Estimated return*: 8.38%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-2000 Debt/Income ratio: 43%
Credit score: 760-779 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:0y 4m
Amount delinquent: $0 Total credit lines: 31 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,294Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 19%  
   Homeownership: No  
Screen name: careful-fund389 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
Business
Purpose of loan: Business start up.
This loan will be used as additional start up capital for a cafe near boeing field in Seattle that has recently been approved for a full liquor license and serves a full menu.
My financial situation:
I am a good candidate for this loan because...I have maintained a solid credit rating throughout my life and have decided to open up my own business to utilize the experiences I have had and follow my entreprenural dreams.

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 714093
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Estimated loss*: 15.75%  
Term: 36 months  
 
Lender yield: 30.34% Borrower rate/APR: 31.34% / 35.36% Monthly payment: $86.38
 
Lender servicing fee: 1.00% Effective Yield*: 27.60%  
Estimated return*: 11.85%  
* 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: Oct-1999 Debt/Income ratio: 70%
Credit score: 640-659 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:7y 0m
Amount delinquent: $0 Total credit lines: 20 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $34,625Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: No  
Screen name: enchanted-silver5 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Other
Purpose of loan:
This loan will be used to...

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.