0001416265-11-000361.txt : 20110518 0001416265-11-000361.hdr.sgml : 20110518 20110518125710 ACCESSION NUMBER: 0001416265-11-000361 CONFORMED SUBMISSION TYPE: 424B3 PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20110518 DATE AS OF CHANGE: 20110518 FILER: COMPANY DATA: COMPANY CONFORMED NAME: PROSPER MARKETPLACE INC CENTRAL INDEX KEY: 0001416265 STANDARD INDUSTRIAL CLASSIFICATION: FINANCE SERVICES [6199] IRS NUMBER: 731733867 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 424B3 SEC ACT: 1933 Act SEC FILE NUMBER: 333-147019 FILM NUMBER: 11854160 BUSINESS ADDRESS: STREET 1: 111 SUTTER STREET STREET 2: 22ND FLOOR CITY: SAN FRANCISCO STATE: CA ZIP: 94104 BUSINESS PHONE: 415-593-5400 MAIL ADDRESS: STREET 1: 111 SUTTER STREET STREET 2: 22ND FLOOR CITY: SAN FRANCISCO STATE: CA ZIP: 94104 424B3 1 listing_20110517-1650.htm listing_20110517-1650.htm
 
 
Listing Report:Supplement No. 56 dated May 17, 2011 to Prospectus dated Apr 14, 2011
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 Apr 14, 2011 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 Apr 14, 2011 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 506337
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
Minimum Amount to Fund: $2,500 Estimated loss*: 11.20%    
Term: 36 months        
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $100.71
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%    
    Estimated return*: 13.17%    
* 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): 7 First credit line: Mar-1993 Debt/Income ratio: 15%
Credit score: 680-699 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 6 / 6 Length of status: 11y 9m
Amount delinquent: $110 Total credit lines: 15 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $957 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%    
    Homeownership: Yes    
Screen name: FIVEFOLD2 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
THE MIRACLEMAN
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: $
Housing: $1200.00
Insurance: 120.00
Car expenses: $450.00
Utilities: $300.00
Phone, cable, internet: $150.00
Food, entertainment: $300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $100.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 506741
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*: 11.20%    
Term: 36 months        
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $604.28
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%    
    Estimated return*: 13.17%    
* 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): 6 First credit line: Nov-2006 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (May-2011) Inquiries last 6m: 0 Employment status: Self-employed
Now delinquent: 0 Current / open credit lines: 12 / 12 Length of status: 0y 9m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,071 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%    
    Homeownership: No    
Screen name: efficient-coin721 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
Good person in need
Purpose of loan:
This loan will be used to...pay some medical expences

My financial situation:
I am a good candidate for this loan because...i am a good credit risk i haven't been late for a payment in over 5 years my monthly budget allows for me to be able to pay it off over time.


Monthly net income: $2600
Monthly expenses: $1414
Housing: $100
Insurance: $0
Car expenses: $314
Utilities: $100
Phone, cable, internet: $200
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $500
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 506769
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: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%    
    Estimated return*: 14.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1995 Debt/Income ratio: 59%
Credit score: 680-699 (May-2011) Inquiries last 6m: 5 Employment status: Other
Now delinquent: 0 Current / open credit lines: 15 / 11 Length of status: 0y 11m
Amount delinquent: $0 Total credit lines: 42 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,498 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 49%    
    Homeownership: Yes    
Screen name: Msta51 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
investment into rental propertys
Purpose of loan:
This loan will be used to upgrade 8 properties currently owned under my S corporation

My financial situation:
I am a good candidate for this loan because I have never defaulted on any loans, have always paid my debts, I have gauranteed income from other sources including the rental properties.


Monthly net income: $1956 SSD, $1600 Comp, $2000 Retirement
Monthly expenses: $
Housing: fiance pays mortgage
Insurance: $631 yearly
Car expenses: $608
Utilities: $250
Phone, cable, internet: $200
Food, entertainment: $250
Clothing, household expenses: $150
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 506805
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 5.95%    
Term: 36 months        
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $242.62
 
Lender servicing fee: 1.00% Effective Yield*: 13.75%    
    Estimated return*: 7.80%    
* 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-1995 Debt/Income ratio: 15%
Credit score: 740-759 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 7 / 7 Length of status: 4y 9m
Amount delinquent: $613 Total credit lines: 20 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,883 Stated income: $100,000+
Delinquencies in last 7y: 14 Bankcard utilization: 12%    
    Homeownership: Yes    
Screen name: sublime-silver2 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
Home Improvements
Purpose of loan:
This loan will be used to...

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


Monthly net income: $8800
Monthly expenses:
Housing: $1560
Insurance: $130
Car expenses: $480
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $100
Other expenses:
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507115
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $152.42
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Oct-1990 Debt/Income ratio: 22%
Credit score: 640-659 (May-2011) Inquiries last 6m: 3 Employment status: Other
Now delinquent: 0 Current / open credit lines: 3 / 3 Length of status: 27y 8m
Amount delinquent: $0 Total credit lines: 50 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0 Stated income: $25,000-$49,999
Delinquencies in last 7y: 57 Bankcard utilization: 0%    
    Homeownership: No    
Screen name: tolerant-wampum90 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
Emerald Bay
Purpose of loan:
This loan will be used to...

My financial situation: receive pension check every month. 2,333.00 Husband makes 1,100/month
I am a good candidate for this loan because...My check is always timely and get raises once a year


Monthly net income: $3,433.00
Monthly expenses: $1,147.00
Housing: $450.00 (lot rent/water/sewage)
Insurance: $82.00
Car expenses: $200.00
Utilities: $49.00
Phone, cable, internet: $110.00
Food, entertainment: $50.00
Clothing, household expenses: $50.00
Credit cards and other loans: $156.00 student loan for daughter
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507121
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: $2,600.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,600 Estimated loss*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $113.23
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-2005 Debt/Income ratio: 36%
Credit score: 640-659 (May-2011) Inquiries last 6m: 2 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 16 / 11 Length of status: 2y 9m
Amount delinquent: $48 Total credit lines: 21 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,472 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 101%    
    Homeownership: No    
Screen name: blue-unrelenting-euro 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
Payoff Mastercard
Purpose of loan: Paying off Mastercard

My financial situation: The purpose of this loan is to payoff my Mastercard in 3 yrs rather than 15. Minimum payments are getting me nowhere and I am working hard to be debt free. In addition to my full time job, I have a graphic design business that is just starting to get off the ground. I am applying my extra income to my debt and hope to be debt free in 3 years - I want to get the snowball rolling!!!!!

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 507127
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: $7,000 Estimated loss*: 3.80%    
Term: 60 months        
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 14.77% Monthly payment: $229.58
 
Lender servicing fee: 1.00% Effective Yield*: 12.36%    
    Estimated return*: 8.56%    
* 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-1995 Debt/Income ratio: 10%
Credit score: 760-779 (May-2011) Inquiries last 6m: 2 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 13 / 12 Length of status: 3y 3m
Amount delinquent: $0 Total credit lines: 19 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,731 Stated income: $100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 2%    
    Homeownership: No    
Screen name: organized-funds9 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
New HVAC system
Hello,

Purpose of loan: I am planning to install new HVAC system. My old system is 20 years old and my energy and gas bills are way too high then it should be.
Gets to $400 per month on a hot months. I will invest in the new system so I will help me to cut my bills in half.

On top of that my landlord is giving me $200 per month rent discount for the next 12 months.
So, I will actually be making money with this new system.

My financial situation:
I am a good candidate for this loan because I have a great job, and take home little over $5,700 every month. I do not have any other loans to worry about and no wife to support.

Thank you.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507153
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*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jan-1984 Debt/Income ratio: 54%
Credit score: 720-739 (May-2011) Inquiries last 6m: 7 Employment status: Other
Now delinquent: 0 Current / open credit lines: 19 / 17 Length of status: 24y 9m
Amount delinquent: $0 Total credit lines: 47 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $47,498 Stated income: $75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 89%    
    Homeownership: Yes    
Screen name: ore-alien 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
cash needed
Purpose of loan: debt consolidation/pay bills
This loan will be used to...

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


Monthly net income: $6200
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 507163
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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $108.87
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%    
    Estimated return*: 14.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-1998 Debt/Income ratio: 20%
Credit score: 680-699 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 5 / 3 Length of status: 3y 4m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $69,360 Stated income: $25,000-$49,999
Delinquencies in last 7y: 9 Bankcard utilization: 99%    
    Homeownership: Yes    
Screen name: sympathetic-nickel9 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
New Roof Loan
Purpose of loan:
This loan will be used as a $2750 down payment for a new and badly needed $8850 home roof replacement. Monthly payments on the $6100 balance have already been arranged. A combination of hard winter weather, a wet, rainy spring, ill timed payroll and high property taxes have all forced the need for this loan.

My financial situation:
I am a good candidate for this loan because I have steady monthly income from my regular job and from our family business.

Monthly net income: $ 11185
Monthly expenses: $ $4,500
Employee Payroll $ 3850

Monthly Expense breakdown:

Housing: $ 1895
Insurance: $ $165
Car expenses: $ 588
Utilities: $ 170
Phone, cable, internet: $ 360
Food, entertainment: $ 400
Clothing, household expenses: $ 200
Credit cards and other loans: $ 255
Heating Oil: $200
Other expenses:
Taxes $ 266
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507225
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 5.95%    
Term: 36 months        
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $346.60
 
Lender servicing fee: 1.00% Effective Yield*: 13.75%    
    Estimated return*: 7.80%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: May-2000 Debt/Income ratio: 29%
Credit score: 740-759 (Apr-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 10 / 7 Length of status: 4y 11m
Amount delinquent: $0 Total credit lines: 24 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,562 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%    
    Homeownership: No    
Screen name: return-apple2 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
HL Loan
Purpose of loan:
This loan will be used to buy ownership shares at my wife's job at a successful dental practice in NYC that grosses $6 million a year. It is one of the largest practices currently employing 6 dentist. We feel this investment will hold a lot of financial upswing.

My financial situation:
I am a good candidate for this loan because my wife and I have both been employed continuously for more than 10 years and have a combined household income of $150k. We have both earned higher educational degrees and have great credit standing.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507249
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*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1998 Debt/Income ratio: 81%
Credit score: 680-699 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 8 / 7 Length of status: 8y 2m
Amount delinquent: $0 Total credit lines: 15 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $8,152 Stated income: $1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 100%    
    Homeownership: Yes    
Screen name: peso-dreamer 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
Business Capitol
Purpose of loan: I am in the process of starting a property preservation business and could use a the loan for expenses that might occur because I get paid on a net 30 Basis.
This loan will be used to...

My financial situation: My situation is pretty good I work full time and also clean a Doctors office that pays me a little over 20,000.00 per year.
I am a good candidate for this loan because...I have always tried to pay my bills on time. I am a hard worker and will do my best with this new business opportunity


Monthly net income: $3000.00
Monthly expenses: $
Housing: $100.00
Insurance: $60.00
Car expenses: $300.00
Utilities: $200.00
Phone, cable, internet: $100.00
Food, entertainment: $300.00
Clothing, household expenses: $200.00
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507255
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*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Sep-1972 Debt/Income ratio: 14%
Credit score: 660-679 (May-2011) Inquiries last 6m: 5 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 10 / 10 Length of status: 40y 2m
Amount delinquent: $0 Total credit lines: 58 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,945 Stated income: $50,000-$74,999
Delinquencies in last 7y: 7 Bankcard utilization: 95%    
    Homeownership: Yes    
Screen name: economist966 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
507255
Purpose of loan: home inprovement medical bills
This loan will be used to...for paying medical bills and home inprovement

My financial situation: ok
I am a good candidate for this loan because..i need the money to get ahead on my bills


Monthly net income: $5000
Monthly expenses: $3261
Housing: $1950
Insurance: $120
Car expenses: $341
Utilities: $346
Phone, cable, internet: $264
Food, entertainment: $300
Clothing, household expenses: $50
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507261
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*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Sep-2005 Debt/Income ratio: 34%
Credit score: 660-679 (May-2011) Inquiries last 6m: 3 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 9 / 9 Length of status: 22y 9m
Amount delinquent: $22 Total credit lines: 14 Occupation: Military Officer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,091 Stated income: $100,000+
Delinquencies in last 7y: 1 Bankcard utilization: 0%    
    Homeownership: Yes    
Screen name: worlds-best-power5 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
Uncle Sam
Purpose of loan:
This loan will be used to...
in military, selling home and moving family, using for debts incurred while moving.
My financial situation:
I am a good candidate for this loan because...
I am a reliable officer with integrity

Monthly net income: $8686.00
Monthly expenses: $5000.00
Housing: $1800
Insurance: $300
Car expenses: $1600
Utilities: $300
Phone, cable, internet: $158
Food, entertainment: $150
Clothing, household expenses: $75
Credit cards and other loans: $300
Other expenses: $1617
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507293
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: E Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 13.00%    
Term: 36 months        
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 32.58% Monthly payment: $314.25
 
Lender servicing fee: 1.00% Effective Yield*: 26.71%    
    Estimated return*: 13.71%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Oct-1995 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (May-2011) Inquiries last 6m: 0 Employment status: Self-employed
Now delinquent: 4 Current / open credit lines: 14 / 15 Length of status: 1y 10m
Amount delinquent: $1,933 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 Stated income: $1-$24,999
Delinquencies in last 7y: 16 Bankcard utilization: 0%    
    Homeownership: No    
Screen name: ceilli Borrower's state: Texas Borrower's group: P2P Financial
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 history Payment history Credit score history
Active / total loans: 1 / 2 On-time: 35 ( 100% ) 640-659 (Latest)
Principal borrowed: $5,700.00 < 31 days late: 0 ( 0% )  
640-659 (Dec-2010)
640-659 (Nov-2010)
660-679 (Jan-2010)
560-579 (Nov-2006)
 
Principal balance: $787.14 31+ days late: 0 ( 0% )
Total payments billed: 35    
Description
Building My Community Newspaper
The purpose of this loan is to continue building my newspaper business. I need to get more street visibility. The Bay Area Observer has been in print now for 1 1/2 years and is doing very well and I have successfully established the newspaper in our area. The newspaper is now sustaining itself with advertising revenue and subscriptions I want to purchase refurbished 50 racks for $4500.

My profile shows a delinquent amount of $1,933. It is now $1733. I will buy the equipment for the newspaper, pay off the $1733 to USAA and use the rest as working capital. I have made arrangements with USAA to pay off my credit card. With the exception of my credit card and previous Prosper loan, my only bills are recurring ones such as utilities, insurance, phone etc. My Prosper loans have never been late.

Monthly income: $2000.00

Ins: $45.00 p/m
Utilities: $100.00
Phone, cable, internet: $50.00
Food & Clothing: $250.00
USAA: $63.00 p/m
Existing Prosper Loan: $45.00 p/m
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507317
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%    
Term: 60 months        
 
Lender yield: 16.99% Borrower rate/APR: 17.99% / 19.42% Monthly payment: $380.82
 
Lender servicing fee: 1.00% Effective Yield*: 16.69%    
    Estimated return*: 10.74%    
* 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): 7 First credit line: Jul-1990 Debt/Income ratio: 42%
Credit score: 760-779 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 7 / 7 Length of status: 2y 4m
Amount delinquent: $0 Total credit lines: 20 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,032 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%    
    Homeownership: Yes    
Screen name: brightest-vigorous-vigilance Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
C-Store Cash Flow Help
Purpose of loan: To purchase initial inventory and equipment for a C-Store in Muncie, IN. It will become part of the revitalization effort in the downtown area.

My financial situation: I?m a good candidate because I pay all of my bills on time, as my high Experian rating indicates.

Monthly net income: $2500 (doesn?t include wife's salary.)
Monthly expenses: $5000
Housing: $1000 (includes residence and rental property)
Insurance: $500
Car expenses: $250
Utilities: $200
Phone, cable, internet: $200
Food, entertainment: $200
Clothing, household expenses: $150
Cards & other loans: $800
Other expenses: $600 (Childcare)

The expenses represent our entire household, not just my responsibilities. I do not pay all the expenses from my salary. My wife pays for about 50% of the standard monthly bills and those portions of the card debt that are hers (about $500/month).
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507323
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: B Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 5.95%    
Term: 36 months        
 
Lender yield: 13.99% Borrower rate/APR: 14.99% / 17.16% Monthly payment: $138.64
 
Lender servicing fee: 1.00% Effective Yield*: 13.75%    
    Estimated return*: 7.80%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-2003 Debt/Income ratio: 10%
Credit score: 760-779 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 7 / 7 Length of status: 0y 8m
Amount delinquent: $0 Total credit lines: 12 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%    
    Homeownership: Yes    
Screen name: transparency-dominator7 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Family Car Loan Request
Purpose of loan:
This loan will be used to purchase a vehicle for my wife and kids.

My financial situation:
I am in a very stable situation right now. My employment is secure for many years as the workload at my employer has increased threefold in the past year, and will continue to pick up for the next few years. I have no credit card debt, no other outstanding loans, except for one very small student loan, and my wife supplements our income through teaching pregnancy and childbirth classes from our home.


Monthly net income: $2300
Monthly expenses: $1900
Housing: $740
Insurance: $100
Car expenses: $300
Utilities: $300
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $80
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507341
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 1.95%    
Term: 36 months        
 
Lender yield: 6.99% Borrower rate/APR: 7.99% / 8.33% Monthly payment: $438.64
 
Lender servicing fee: 1.00% Effective Yield*: 6.99%    
    Estimated return*: 5.04%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Sep-2006 Debt/Income ratio: 14%
Credit score: 800-819 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 6 / 6 Length of status: 2y 11m
Amount delinquent: $0 Total credit lines: 10 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,413 Stated income: $75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%    
    Homeownership: Yes    
Screen name: bear324 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
New House Siding
Purpose of loan:
This loan will be used to fund the new siding on my house. I bought the property 2 years ago and the siding needs to be done because is the original from 1985. Labor is cheap now a days, specially in construction, so it's a good deal for me.

My financial situation:
I am a good candidate for this loan because I have a steady job (Microsoft), I'm a few months away from paying off my car (that I plan on keeping after the loan is done), I own my place and I make extra payments of $200 to accelerate the loan.

I'm single and not planning on getting married soon, so my expenses are pretty lean.

I want the loan to keep my cash flow under control and predictable. I could pay this from my emergency fund or my retirement fund that I don't consider it's a good idea.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507389
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: $7,400.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,180 Estimated loss*: 6.10%    
Term: 36 months        
 
Lender yield: 15.99% Borrower rate/APR: 16.99% / 20.32% Monthly payment: $263.79
 
Lender servicing fee: 1.00% Effective Yield*: 15.63%    
    Estimated return*: 9.53%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1985 Debt/Income ratio: 44%
Credit score: 680-699 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 16 / 13 Length of status: 29y 3m
Amount delinquent: $0 Total credit lines: 64 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $178,440 Stated income: $75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 85%    
    Homeownership: Yes    
Screen name: investinFla 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 history Payment history Credit score history
Active / total loans: 1 / 1 On-time: 9 ( 100% ) 680-699 (Latest)
Principal borrowed: $5,500.00 < 31 days late: 0 ( 0% )  
700-719 (Jul-2010)
 
Principal balance: $4,386.51 31+ days late: 0 ( 0% )
Total payments billed: 9    
Description
Personal loan
Purpose of loan:
This loan will be used to pay off ccard balance/boat repairs.

My financial situation:
I am a good candidate for this loan because I have NEVER been late on a payment and never defaulted on a loan.


Monthly net income: 7384
Monthly expenses: 5459
Housing: 1664
Insurance: 140
Car expenses: 60 est.
Utilities: 0 (included in rent)
Phone, cable, internet: 74
Food, entertainment: 300 est.
Clothing, household expenses: 75 est.
Credit cards and other loans: 2700
Other expenses: 646
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 506526
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: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%    
Term: 12 months        
 
Lender yield: 25.69% Borrower rate/APR: 26.69% / 35.84% Monthly payment: $719.00
 
Lender servicing fee: 1.00% Effective Yield*: 24.52%    
    Estimated return*: 9.82%    
* 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): 1 First credit line: Apr-1998 Debt/Income ratio: 68%
Credit score: 780-799 (May-2011) Inquiries last 6m: 3 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 11 / 9 Length of status: 3y 7m
Amount delinquent: $0 Total credit lines: 27 Occupation: Medical Technician
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,729 Stated income: $1-$24,999
Delinquencies in last 7y: 4 Bankcard utilization: 69%    
    Homeownership: Yes    
Screen name: thoughtful-bonus4 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
ciezarowka
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507100
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*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: May-1994 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (May-2011) Inquiries last 6m: 1 Employment status: Self-employed
Now delinquent: 0 Current / open credit lines: 11 / 11 Length of status: 1y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,364 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 82%    
    Homeownership: Yes    
Screen name: new-lucrative-power 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
The Magic
Purpose of loan:
This loan will be used to... pay bills

My financial situation:
I am a good candidate for this loan because... I can pay it back in a quick amount of time. I am trying hard but the economy has effected my sales. Also have been forced to lower the amount of my workforce.
This will free up more money each month.


Monthly net income: $ 3000.00
Monthly expenses: $ 2500.00
Housing: $
Insurance: $
Car expenses: $592.00
Utilities: $400.00
Phone, cable, internet: $200.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $800.00
Other expenses: $400.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507106
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*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1996 Debt/Income ratio: 5%
Credit score: 660-679 (May-2011) Inquiries last 6m: 2 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 0 / 0 Length of status: 2y 6m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 1/ 2 Revolving credit balance: $0 Stated income: $25,000-$49,999
Delinquencies in last 7y: 28 Bankcard utilization: 0%    
    Homeownership: No    
Screen name: logical-velocity3 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
zeus
Purpose of loan: swimming pool/finishing bathroom
This loan will be used to...
remodel/put up new pool
My financial situation: employed and so is my wife
I am a good candidate for this loan because...
I have good incomes and am able to repay the loan, we had a rough few years, but are back on track

Monthly net income: $3800
Monthly expenses: $
Housing: $720
Insurance: $270

Car expenses: $100
Utilities: $115
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507108
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: D Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 11.20%    
Term: 60 months        
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 31.42% Monthly payment: $412.57
 
Lender servicing fee: 1.00% Effective Yield*: 27.29%    
    Estimated return*: 16.09%    
* 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-2003 Debt/Income ratio: 19%
Credit score: 680-699 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 4 / 4 Length of status: 0y 11m
Amount delinquent: $0 Total credit lines: 9 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $881 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%    
    Homeownership: No    
Screen name: competent-payment1 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
My loan for an auto purchase
Purpose of loan:
This loan will be used to purchase an auto.

My financial situation:
I am a good candidate for this loan because I have a stable job with good income and I don't spend more than 25% of it each month including expenses.


Monthly net income: $3,400
Monthly expenses: $600
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $40
Phone, cable, internet: $150
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507118
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 3.80%    
Term: 60 months        
 
Lender yield: 12.40% Borrower rate/APR: 13.40% / 14.77% Monthly payment: $573.96
 
Lender servicing fee: 1.00% Effective Yield*: 12.36%    
    Estimated return*: 8.56%    
* 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-1995 Debt/Income ratio: 18%
Credit score: 780-799 (May-2011) Inquiries last 6m: 3 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 17 / 15 Length of status: 12y 3m
Amount delinquent: $0 Total credit lines: 50 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,100 Stated income: $100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 17%    
    Homeownership: Yes    
Screen name: systematic-listing5 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
consilidate credit cards
Purpose of loan:
This loan will be used to...consilidate cards

My financial situation:
I am a good candidate for this loan because...pay on time and early..Looking to lower monthly payments
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507124
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 3.80%    
Term: 36 months        
 
Lender yield: 9.40% Borrower rate/APR: 10.40% / 12.51% Monthly payment: $129.82
 
Lender servicing fee: 1.00% Effective Yield*: 9.37%    
    Estimated return*: 5.57%    
* 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-1996 Debt/Income ratio: 32%
Credit score: 820-839 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 6 / 6 Length of status: 1y 7m
Amount delinquent: $0 Total credit lines: 12 Occupation: Pilot - Private/Com...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,636 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%    
    Homeownership: Yes    
Screen name: AkAv8R Borrower's state: Alaska 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
High MPG Used Car
Purpose of loan:

Finance a 1982 VW Diesel Truck.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507130
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*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Dec-2004 Debt/Income ratio: Not calculated
Credit score: 700-719 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 12 / 12 Length of status: 1y 0m
Amount delinquent: $182 Total credit lines: 18 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,326 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 50%    
    Homeownership: Yes    
Screen name: worthy-principal878 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
Pay off debt
Purpose of loan: To pay off credit card debt accumulated after several unexpected large expenses. A death in the family/funeral/travel to funeral and soon after a broken washing machine that needed to be replaced caused some very unexpected expenses over a short period of time. I'd like to pay off my credit card and consolidate that debt into a lower monthly payment.

This loan will be used to..pay off credit card debt.

My financial situation:
I am a good candidate for this loan because I have a steady income. My husband and I both work and can easily afford this monthly payment. Our mortgage, bills, cars, and student loans are all current and have always been so.


Monthly net income: $4500
Monthly expenses: $
Housing: $547
Insurance: $136
Car expenses: $520
Utilities: $50
Phone, cable, internet: $204
Food, entertainment: $600
Clothing, household expenses: $100
Credit cards and other loans: $325
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507136
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*: 1.00%    
Term: 36 months        
 
Lender yield: 4.99% Borrower rate/APR: 5.99% / 6.33% Monthly payment: $152.09
 
Lender servicing fee: 1.00% Effective Yield*: 5.00%    
    Estimated return*: 4.00%    
* 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): 10 First credit line: Sep-1990 Debt/Income ratio: 17%
Credit score: 760-779 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 8 / 7 Length of status: 1y 8m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,075 Stated income: $75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 24%    
    Homeownership: Yes    
Screen name: brainy-reward9 Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 1 / 1 On-time: 11 ( 100% ) 760-779 (Latest)
Principal borrowed: $3,500.00 < 31 days late: 0 ( 0% )  
800-819 (May-2010)
 
Principal balance: $2,456.01 31+ days late: 0 ( 0% )
Total payments billed: 11    
Description
Home Improvement and Debt Consolida
Purpose of loan:
This loan will be used to consolidate some minor credit card debt on a Discover card and build a much needed deck area in our back yard. The kids are both teens now, and they could use a place to "entertain friends" instead of "play" in the backyard. Our current area has an old ramshackle cover over a cement slab. We would like to build a low deck and expand the space beyond the slab

My financial situation:
I am a good candidate for this loan because I just earned a raise at work with stellar performance appraisals in a stable federal government position, and I am paying-off my other debts without incident. I would rather get a low APR loan here and pay-off our high-APR Discover card.

Thanks for your consideration!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507148
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*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: May-2000 Debt/Income ratio: 37%
Credit score: 640-659 (May-2011) Inquiries last 6m: 2 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 11 / 8 Length of status: 12y 10m
Amount delinquent: $250 Total credit lines: 38 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $703 Stated income: $25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 92%    
    Homeownership: Yes    
Screen name: trustworthy-gold8 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Charlie
Purpose of loan:
This loan will be used to... consolidate debt, home improvement and purchase a used vehicle that will save me on gas....and anthing else that I can make it stretch to pay.

My financial situation:
I am a good candidate for this loan because... Because I am a very hardworking independent person who like most Americans now days have had a few setbacks the last couple of years but am working hard everyday to make it better and my life a little easier. I am hoping this is the answer to my financial prayers that I have been praying for. Sometimes it's hard to wait till God delivers but I am hoping this is my answer.

Monthly net income: $3000
Monthly expenses: $2060
Housing: $289.00
Insurance: $71.00
Car expenses: $500.00
Utilities: $150.00
Phone, cable, internet: $100.00
Food, entertainment: $300.00
Clothing, household expenses: $100.00
Credit cards and other loans: $300.00
Other expenses: $250.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507160
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*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 2 First credit line: Oct-2002 Debt/Income ratio: 9%
Credit score: 660-679 (May-2011) Inquiries last 6m: 20 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 4 / 4 Length of status: 18y 7m
Amount delinquent: $0 Total credit lines: 4 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,988 Stated income: $75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 14%    
    Homeownership: No    
Screen name: graceful-transparency6 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 consoloidation
Purpose of loan: Debt Consolidation
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 507180
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*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Jul-1995 Debt/Income ratio: 24%
Credit score: 640-659 (May-2011) Inquiries last 6m: 1 Employment status: Other
Now delinquent: 12 Current / open credit lines: 5 / 5 Length of status: 22y 5m
Amount delinquent: $33,644 Total credit lines: 22 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 Stated income: $1-$24,999
Delinquencies in last 7y: 39 Bankcard utilization: 0%    
    Homeownership: No    
Screen name: statuesque-loot1 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
help me get rid of Credit Card debt
Purpose of loan: consolidate bills
This loan will be used to...
pay off credit card accounts
My financial situation: ok but would be better after paying off cards
I am a good candidate for this loan because...I can pay off my credit cards and have more cash left over


Monthly net income: $1089
Monthly expenses: $879
Housing: $0
Insurance: $0
Car expenses: $0
Utilities: $54
Phone, cable, internet: $25
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $400
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507234
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 11.20%    
Term: 36 months        
 
Lender yield: 24.99% Borrower rate/APR: 25.99% / 29.51% Monthly payment: $282.00
 
Lender servicing fee: 1.00% Effective Yield*: 24.37%    
    Estimated return*: 13.17%    
* 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): 6 First credit line: May-1988 Debt/Income ratio: 15%
Credit score: 680-699 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 1 / 1 Length of status: 0y 2m
Amount delinquent: $0 Total credit lines: 3 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $51 Stated income: $1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 17%    
    Homeownership: No    
Screen name: fair-hope328 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
Property Impovement
Purpose of loan: Improvement of Property
This loan will be used to...
Add improvements to an existing property and increase its value.

My financial situation: Free of payments (No car, mortgage, bad debt).

I am a good candidate for this loan because...Used an inheritance to buy an undervalued property. Loan will improve the property and increase its worth.


Monthly net income: $2,000 plus bonuses
Monthly expenses: $700.00
Housing: $150 (taxes and insurance)
Insurance: $ 0.00 (paid through work)
Car expenses: $100 (gasoline, car is owned)
Utilities: $75
Phone, cable, internet: $50
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $ None (debit cards only)
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507246
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: $10,310.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $10,310 Estimated loss*: 1.95%    
Term: 36 months        
 
Lender yield: 6.99% Borrower rate/APR: 7.99% / 8.33% Monthly payment: $323.03
 
Lender servicing fee: 1.00% Effective Yield*: 6.99%    
    Estimated return*: 5.04%    
* 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-1983 Debt/Income ratio: Not calculated
Credit score: 780-799 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 5 / 5 Length of status: 4y 0m
Amount delinquent: $0 Total credit lines: 12 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $771 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%    
    Homeownership: No    
Screen name: ultimate-dough0 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
Reduce Debt
Purpose of loan:
This loan will be used to reduce outstanding debt from job transition

My financial situation:
I am a good candidate for this loan because I am in a stable job and have been steadily increasing my commissions.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507314
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 1.95%    
Term: 12 months        
 
Lender yield: 5.49% Borrower rate/APR: 6.49% / 7.43% Monthly payment: $172.58
 
Lender servicing fee: 1.00% Effective Yield*: 5.49%    
    Estimated return*: 3.54%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Dec-2004 Debt/Income ratio: 9%
Credit score: 760-779 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 9 / 8 Length of status: 4y 2m
Amount delinquent: $0 Total credit lines: 20 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,138 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%    
    Homeownership: No    
Screen name: transparency-liberator4 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 payoff
Purpose of loan:
This loan will be used to... pay my debt; my credit cards

My financial situation:
I am a good candidate for this loan because... I always make my payments on time; I have a job; I care about my credit scores.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507320
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 13.00%    
Term: 36 months        
 
Lender yield: 27.99% Borrower rate/APR: 28.99% / 32.58% Monthly payment: $125.70
 
Lender servicing fee: 1.00% Effective Yield*: 26.71%    
    Estimated return*: 13.71%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Dec-1989 Debt/Income ratio: 46%
Credit score: 660-679 (May-2011) Inquiries last 6m: 1 Employment status: Other
Now delinquent: 0 Current / open credit lines: 7 / 7 Length of status: 0y 7m
Amount delinquent: $0 Total credit lines: 50 Stated income: $25,000-$49,999
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $6,334  
Delinquencies in last 7y: 7 Bankcard utilization: 81%    
    Homeownership: No    
Screen name: orange-appetizing-affluence 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.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 1 / 1 On-time: 9 ( 69% ) 660-679 (Latest)
Principal borrowed: $3,500.00 < 31 days late: 4 ( 31% )  
640-659 (Mar-2010)
 
Principal balance: $1,802.81 31+ days late: 0 ( 0% )
Total payments billed: 13    
Description
angry birds
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because..I have had a good payment review with you only for one mth that messed me up when i had fraud in my checking account also with the other creditors..


Monthly net income: $3504.54
Monthly expenses: $2268.00
Housing: $1000.00
Insurance: $190.00
Car expenses: $0
Utilities: $125.00
Phone, cable, internet: $150.00
Food, entertainment: $150.00
Clothing, household expenses: $50.00
Credit cards and other loans: $353.00
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507326
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: E Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $261.29
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%    
    Estimated return*: 14.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1997 Debt/Income ratio: 41%
Credit score: 740-759 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 4 Current / open credit lines: 6 / 6 Length of status: 13y 8m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,400 Stated income: $25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 74%    
    Homeownership: Yes    
Screen name: trustworthy714 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
Help Dependable Family
Purpose of loan: Home Improvement, Fence in backyard for our Kids.
This loan will be used to...

My financial situation: Stable
I am a good candidate for this loan because...
Myself & my Husband both work full-time Jobs- I have been employed for 13 years, and my husband for 14 years at the same companys. I make $40k year and He makes $60k year. We are a strong family of 6 with 4 kids. We believe in paying our bills on time and we make enough money to do so. We just want to make a good,safe life for our Kids & are asking for a little help doing so. Contact me with any questions Please!

Monthly net income: $7500
Monthly expenses: $included
Housing: $1992
Insurance: $included
Car expenses: $700
Utilities: $250
Phone, cable, internet: $85
Food, entertainment: $300
Clothing, household expenses: $included
Credit cards and other loans: $300
Other expenses: $included
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507332
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*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Mar-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (May-2011) Inquiries last 6m: 2 Employment status: Self-employed
Now delinquent: 1 Current / open credit lines: 0 / 0 Length of status: 9y 4m
Amount delinquent: $227 Total credit lines: 7 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 Stated income: $75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%    
    Homeownership: No    
Screen name: pwclark Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business cash as a bridge
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because I pay my debts.
I have no credit card debt and I paid cash for my automobile.
Because I have no open lines of credit it has hurt my credit rating.
I am starting a medical diagnositic software company MEDISCRIBE (www.mediscribesystems.com) and need these funds to bridge until the grants and investor payments arrive. which should be in 90 days.
Worst case scenario to pay this off I can sell my 05 Lincoln LS.

Monthly net income: $6,600
TOTAL MONTHLY EXPENSES: $2571
Housing: $1040
Insurance: $600
Car expenses: $172
Utilities: $155
Phone, cable, internet: $195
Food, entertainment: $258
Clothing, household expenses: $151
Credit cards and other loa0ns: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507350
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 1.95%    
Term: 60 months        
 
Lender yield: 10.10% Borrower rate/APR: 11.10% / 11.32% Monthly payment: $305.09
 
Lender servicing fee: 1.00% Effective Yield*: 10.09%    
    Estimated return*: 8.14%    
* 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): 9 First credit line: Oct-1997 Debt/Income ratio: 10%
Credit score: 780-799 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 10 / 9 Length of status: 0y 3m
Amount delinquent: $0 Total credit lines: 16 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $378 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%    
    Homeownership: Yes    
Screen name: treasure-watcher8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvement Loan
Purpose of loan:
Thanks to the abundance of rain this year, California is now out of the drought. Also thanks to the rain, I guess, I found out that there are more holes in my roof than I thought I have originally. My current roof is due for a new one. I believe doing this maintainence would be a worthwhile investment, as it will keep the house dry and uphold the value of my home. The summer will be a good time to redo my roof and install new rain gutters.

My financial situation:
I have been consistent in paying off my mortgage loan, credit cards and other bills on time. This shows in my credit score, as it is near 800. Although I worked with my current employer only recently, I have been working the field of education for the previous 5 years. I will have no problem making my monthly repayments for this loan. I am requesting a 5 year term loan so to give myself some flexibility, but I will likely repay the loan in much less time than that. Thanks for viewing.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507356
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: $15,000 Estimated loss*: 3.80%    
Term: 36 months        
 
Lender yield: 9.40% Borrower rate/APR: 10.40% / 12.51% Monthly payment: $486.83
 
Lender servicing fee: 1.00% Effective Yield*: 9.37%    
    Estimated return*: 5.57%    
* 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-2001 Debt/Income ratio: Not calculated
Credit score: 780-799 (May-2011) Inquiries last 6m: 1 Employment status: Not employed
Now delinquent: 0 Current / open credit lines: 6 / 6 Length of status: 1y 11m
Amount delinquent: $0 Total credit lines: 21 Stated income: Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $353  
Delinquencies in last 7y: 0 Bankcard utilization: 4%    
    Homeownership: No    
Screen name: auction-outpost0 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
Loan for debt consolidation
Purpose of loan: Debt Consolidation

This loan will be used to: Consolidate my student and auto loans

My financial situation: I am currently unemployed, but have savings built up and expect to be employed again in the next month.

I am a good candidate for this loan because: I am reliable, have an excellent credit score and have never been late with bill payments.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507386
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: E Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $217.74
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%    
    Estimated return*: 14.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Apr-2006 Debt/Income ratio: 20%
Credit score: 640-659 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 3 / 3 Length of status: 2y 5m
Amount delinquent: $0 Total credit lines: 3 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,031 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%    
    Homeownership: No    
Screen name: established-basis549 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
5000 loan
Purpose of loan: car repair
This loan will be used to... repair my car

My financial situation: unexpected expenses
I am a good candidate for this loan because... I am a great budgeter


Monthly net income: $ 2800
Monthly expenses: $800
Housing: $675
Insurance: $135
Car expenses: $300
Utilities: $100
Phone, cable, internet: $140
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $300
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507392
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $130.65
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%    
    Estimated return*: 14.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1987 Debt/Income ratio: 3%
Credit score: 700-719 (May-2011) Inquiries last 6m: 2 Employment status: Employed
Now delinquent: 6 Current / open credit lines: 4 / 3 Length of status: 0y 11m
Amount delinquent: $1,159 Total credit lines: 36 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $741 Stated income: $50,000-$74,999
Delinquencies in last 7y: 70 Bankcard utilization: 90%    
    Homeownership: Yes    
Screen name: newest-towering-loot 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
Payoff
Purpose of loan:
This loan will be used to...
Pay Medical bills
My financial situation:
I am a good candidate for this loan because...
Work full time as Registerd Nurse, and pick up shits as allowed.

Monthly net income: $5200
Monthly expenses: $
Housing: $1150
Insurance: $65
Car expenses: $100
Utilities: $68
Phone, cable, internet: $172
Food, entertainment: $200
Clothing, household expenses: $
Credit cards and other loans: $100
Other expenses: $
Information in the Description is not verified.