0001416265-11-000383.txt : 20110525 0001416265-11-000383.hdr.sgml : 20110525 20110524201007 ACCESSION NUMBER: 0001416265-11-000383 CONFORMED SUBMISSION TYPE: 424B3 PUBLIC DOCUMENT COUNT: 1 FILED AS OF DATE: 20110525 DATE AS OF CHANGE: 20110524 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: 11869324 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_20110524-0850.htm listing_20110524-0850.htm
 
 
Listing Report:Supplement No. 12 dated May 24, 2011 to Prospectus dated May 17, 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 May 17, 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 May 17, 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 495506
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): 4 First credit line: Jun-2005 Debt/Income ratio: Not calculated
Credit score: 680-699 (May-2011) Inquiries last 6m: 1 Employment status: Not employed
Now delinquent: 0 Current / open credit lines: 12 / 11 Length of status: 0y 6m
Amount delinquent: $0 Total credit lines: 16 Stated income: Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,534  
Delinquencies in last 7y: 0 Bankcard utilization: 71%    
    Homeownership: No    
Screen name: happy-dough Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
College Student looking for a loan
Purpose of loan:
This loan will be used to...consolidate bills and buy books for college.

My financial situation: It's not bad, just need to knock off really high interest cards, looking to do part time work 30 hours or more while I go to college.
I am a good candidate for this loan because...I work hard and I'm dedicated to paying back a favor back as soon as possible.


Monthly net income: $1500~$2000
Monthly expenses: $700~$900
Housing: $0, I commute with family
Insurance: $135(car)
Car expenses: $245+$30gas
Utilities: $0, I commute with family
Phone, cable, internet: $50
Food, entertainment: $10-$50
Clothing, household/school expenses: $10~$75
Credit cards and other loans: $500
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507414
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 20.30%    
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*: 29.17%    
    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-1995 Debt/Income ratio: 69%
Credit score: 680-699 (May-2011) Inquiries last 6m: 3 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 8 / 6 Length of status: 6y 9m
Amount delinquent: $2,143 Total credit lines: 18 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $54,841 Stated income: $25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 90%    
    Homeownership: Yes    
Screen name: new-greenback-statesperson 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
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507480
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: $3,000 Estimated loss*: 13.00%    
Term: 36 months        
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $128.99
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%    
    Estimated return*: 15.61%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Mar-2005 Debt/Income ratio: 63%
Credit score: 600-619 (May-2011) Inquiries last 6m: 2 Employment status: Employed
Now delinquent: 3 Current / open credit lines: 2 / 3 Length of status: 2y 8m
Amount delinquent: $13,052 Total credit lines: 6 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $975 Stated income: $1-$24,999
Delinquencies in last 7y: 14 Bankcard utilization: 65%    
    Homeownership: Yes    
Screen name: CARLOMAGNO08 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 1 / 1 On-time: 34 ( 100% ) 600-619 (Latest)
Principal borrowed: $3,000.00 < 31 days late: 0 ( 0% )  
740-759 (Jun-2008)
 
Principal balance: $191.87 31+ days late: 0 ( 0% )
Total payments billed: 34    
Description
MYCAR
Purpose of loan:
This loan will be used to...

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


Monthly net income: $1200
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $200
Utilities: $200
Phone, cable, internet: $45
Food, entertainment: $400
Clothing, household expenses: $50
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508132
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 20.30%    
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*: 29.17%    
    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-1992 Debt/Income ratio: 37%
Credit score: 640-659 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 10 / 10 Length of status: 3y 4m
Amount delinquent: $52,906 Total credit lines: 28 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,812 Stated income: $25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 95%    
    Homeownership: Yes    
Screen name: starlight2011 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
Lender and borrower
Purpose of loan:
This loan will be used to...give my child a chance of a lifetime to study in another country. I will send you pictures and update of the program and to give you an opportunity to share in the experience that you made possible. Thanks in advance.


My financial situation:
I am a good candidate for this loan because...I have the income to support the loan,


Monthly net income: $2,800
Monthly expenses: $2,340
Housing: $1200
Insurance: $120
Car expenses: $350
Utilities: $120
Phone, cable, internet: $30
Food, entertainment: $200
Credit cards and other loans: $120
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508138
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $283.07
 
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-1998 Debt/Income ratio: 17%
Credit score: 680-699 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 2 Current / open credit lines: 8 / 8 Length of status: 1y 7m
Amount delinquent: $4,376 Total credit lines: 24 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,988 Stated income: $100,000+
Delinquencies in last 7y: 3 Bankcard utilization: 94%    
    Homeownership: Yes    
Screen name: goal-commerce829 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Roof needed
Purpose of loan:
This loan will be used to get a new roof

My financial situation:
I am a good candidate for this loan because...gainfully employed , make over 120k a year and have been consistently employed in my field for 12 years without a lapse. Unfortunately when attempting to get a loan at my bank I found misinformation on my credit reports and am disputing that info but it takes a long time to get corrected and we really need the roof sooner than later.


Monthly net income: $8600
Monthly expenses: $
Housing: $1800
Insurance: $0
Car expenses: $1100
Utilities: $400
Phone, cable, internet: $expensed
Food, entertainment: $300
Clothing, household expenses: $150
Credit cards and other loans: $2800
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508144
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: B Listing Duration: 14 days
Minimum Amount to Fund: $3,000 Estimated loss*: 5.95%    
Term: 36 months        
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $105.46
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%    
    Estimated return*: 8.78%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Dec-1995 Debt/Income ratio: 4%
Credit score: 660-679 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 10 / 10 Length of status: 6y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,167 Stated income: $75,000-$99,999
Delinquencies in last 7y: 7 Bankcard utilization: 36%    
    Homeownership: No    
Screen name: integrity-zone Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
3K needed by employed professional
Purpose of loan:
This loan will be used to pay off some medical and other bills incurred from the birth of our son.

My financial situation:
I am a good candidate for this loan because I have full time employment and have been with the same company for 6 years. I will be able to pay off several things with this loan leaving me with plenty to make payments.


Monthly net income: $5000
Monthly expenses: $
Housing: $1600
Insurance: $175
Car expenses: $
Utilities: $250
Phone, cable, internet: $350
Food, entertainment: 400
Clothing, household expenses: $
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508150
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: $6,375.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,462.50 Estimated loss*: 11.20%    
Term: 12 months        
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 34.11% Monthly payment: $605.88
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%    
    Estimated return*: 12.20%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Apr-1990 Debt/Income ratio: 14%
Credit score: 720-739 (May-2011) Inquiries last 6m: 4 Employment status: Employed
Now delinquent: 6 Current / open credit lines: 3 / 3 Length of status: 0y 7m
Amount delinquent: $0 Total credit lines: 23 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9 Stated income: $100,000+
Delinquencies in last 7y: 7 Bankcard utilization: 3%    
    Homeownership: Yes    
Screen name: pdxman43 Borrower's state: California Borrower's group: HARD MONEY LOANS
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Need to Grow Community Roots
Purpose:
We are seeking a bridge loan for costs associated with rental security deposit following relocation to San Francisco's East Bay Area.

Situation:
We relocated to from Oregon to California this past fall and have been living in a series of corporate housing and apartments. This past week we found a rental home in an ideal neighborhood, at a price that meets our budget with a 2-year lease. Currently, we are looking for your help.

We have the security of a 6-figure professional income from a solid company here in the Bay Area. And at the same time find ourselves cash poor from expenses associated with the move and from several years of under employment. Long term our financial picture is bright, but right now neither cash flow nor saving will get us into the housing we need to grow roots into a community.

Financial Summary:
Monthly Net: $7850
Housing Cost: $2450
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508162
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 20.30%    
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*: 29.17%    
    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-2007 Debt/Income ratio: Not calculated
Credit score: 640-659 (May-2011) Inquiries last 6m: 2 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 1 / 1 Length of status: 2y 10m
Amount delinquent: $0 Total credit lines: 2 Occupation: Other
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: No    
Screen name: magnetic-social3 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
Furthering my education
Purpose of loan: This loan will be used to pay for an online education course through a company.

My financial situation: I am in a very good financial situation with a secure and steady job and a good cushion of spare cash every month. I have had two vehicle loans over the past few years and have never missed or delayed a payment.


Monthly net income: $1640
Monthly expenses: $
Housing: $80
Insurance: $90
Car expenses: $400
Utilities: $0
Phone, cable, internet: $40
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $40
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508168
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 1.95%    
Term: 36 months        
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.33% Monthly payment: $317.95
 
Lender servicing fee: 1.00% Effective Yield*: 7.99%    
    Estimated return*: 6.04%    
* 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): 10 First credit line: Aug-1994 Debt/Income ratio: 6%
Credit score: 760-779 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 12 / 12 Length of status: 12y 8m
Amount delinquent: $0 Total credit lines: 25 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $65,388 Stated income: $100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 70%    
    Homeownership: Yes    
Screen name: glimmering-bill8 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
Busines Equipment purchase
Looking for a short term loan to help pay for Office upgrades to my Date Networking consulting business. I have recently hired 2 new employees and have a short term cash flow issue. We are a small but strong company that is growing. We have a current residual income base that is growing and booked for the next 36 months.

We are looking for this small loan to provide some short term cash for some office equipment upgrades.

I would be happy to provide more information as requested.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508180
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 20.30%    
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*: 29.17%    
    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
Paying Back the Bank of Mom and Dad
Purpose of loan: Paying Back Parents

My financial situation: The purpose of this loan is to give back to my parents some of the money they have given to me to help me start my life. I now have a stable, good paying job and also take in additional income from my graphic design business. My parents have given me so much over the years, I would like to give back to them. I would like to suprise them for their 29th anniversary and help them this time.

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 508194
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $8,400 Estimated loss*: 10.00%    
Term: 60 months        
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 29.37% Monthly payment: $366.35
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%    
    Estimated return*: 15.34%    
* 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: Jun-2001 Debt/Income ratio: 25%
Credit score: 640-659 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 6 / 4 Length of status: 2y 4m
Amount delinquent: $0 Total credit lines: 14 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,722 Stated income: $50,000-$74,999
Delinquencies in last 7y: 11 Bankcard utilization: 82%    
    Homeownership: No    
Screen name: dieseldoo Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 0 / 1 On-time: 36 ( 100% ) 640-659 (Latest)
Principal borrowed: $4,000.00 < 31 days late: 0 ( 0% )  
660-679 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36    
Description
loan for a newer truck for job
Purpose of loan: pay for a truck to use at my job and side work
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
I have a good paying stable job

Monthly net income: $3856
Monthly expenses: $1290
Housing: $150
Insurance: $76
Car expenses: $654
Utilities: $79
Phone, cable, internet: $56
Food, entertainment: $150
Clothing, household expenses: $50
Credit cards and other loans: $75
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508200
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $3,850 Estimated loss*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $239.52
 
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: 22%
Credit score: 640-659 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 4 / 4 Length of status: 5y 4m
Amount delinquent: $0 Total credit lines: 31 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $946 Stated income: $25,000-$49,999
Delinquencies in last 7y: 25 Bankcard utilization: 85%    
    Homeownership: No    
Screen name: witty-moola960 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
One Payment for all Bills
Purpose of loan:
This loan will be used to...pay-off all bills so that have one payment per month instead of making 10 payments.

My financial situation:
I am a good candidate for this loan because...I have been able to pay my bills but would like to consolidate into one payment. I am working a job that is financially sound, able to work 40 hours a week, and no possible layoffs during this low economical season.


Monthly net income: $1600
Monthly expenses: $1400 estimate
Housing: $725 rent (spouse pays)
Insurance: $200 car and medical (spouse pays)
Car expenses: $200 gasoline (spouse pays)
Utilities: $100 electric and water (spouse pays)
Phone, cable, internet: $50 (spouse pays)
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $1000 (mine personally)
Other expenses: $400 childcare
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508230
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: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $389.03
 
Lender servicing fee: 1.00% Effective Yield*: 17.68%    
    Estimated return*: 11.73%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jan-2004 Debt/Income ratio: 15%
Credit score: 680-699 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 5 / 4 Length of status: 7y 5m
Amount delinquent: $150 Total credit lines: 13 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,796 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%    
    Homeownership: Yes    
Screen name: exuberant-liberty4 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
Pays on time
Purpose of loan:
This loan will be used to pay off credit card debt.

My financial situation:
I am a good candidate for this loan because I always make my payments on time. I'm trying to get into a better place financially.


Monthly net income: $ 4,800.00
Monthly expenses: $
Housing: $ 1,035.00
Insurance: $ 350.00
Car expenses: $ 1,000 (fuel)
Utilities: $ 200.00
Phone, cable, internet: $ 220.00
Food, entertainment: $ 300.00
Clothing, household expenses: $ 50.00
Credit cards and other loans: $ 550.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508248
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 2.60%    
Term: 36 months        
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $162.02
 
Lender servicing fee: 1.00% Effective Yield*: 9.26%    
    Estimated return*: 6.66%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: May-2003 Debt/Income ratio: 16%
Credit score: 760-779 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 9 / 9 Length of status: 0y 2m
Amount delinquent: $0 Total credit lines: 47 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,097 Stated income: $25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 13%    
    Homeownership: No    
Screen name: amy_girl Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 0 / 1 On-time: 29 ( 100% ) 760-779 (Latest)
Principal borrowed: $5,000.00 < 31 days late: 0 ( 0% )  
660-679 (Jul-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 29    
Description
Student loans
Purpose of loan:
This loan will help me to consolidate the student loans for my masters degree.

My financial situation:
I am a good candidate for this loan because I have a stable job, am a recent MBA grad, and newly married.

I will use this funding wisely, as I want a more stable financial base to start marries life. Thank you!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508254
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: C Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 6.10%    
Term: 36 months        
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $256.56
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%    
    Estimated return*: 11.47%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1992 Debt/Income ratio: 17%
Credit score: 740-759 (May-2011) Inquiries last 6m: 2 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 14 / 11 Length of status: 3y 3m
Amount delinquent: $0 Total credit lines: 51 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,037 Stated income: $100,000+
Delinquencies in last 7y: 7 Bankcard utilization: 48%    
    Homeownership: Yes    
Screen name: payment-zebra Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 0 / 1 On-time: 1 ( 100% ) 740-759 (Latest)
Principal borrowed: $13,000.00 < 31 days late: 0 ( 0% )  
720-739 (Sep-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 1    
Description
Second Loan - Debt Consol...
Purpose of loan: Consolidate last bit of debt.
This loan will be used to: Pay off credit cards

My financial situation: 741 Credit Score! Household income over $250K (gross)

I am a good candidate for this loan because: 2nd Prosper Loan - paid off first early.


Monthly net income: $12,000
Monthly expenses: $9,000
Housing: $2900
Insurance: $123
Car expenses: $1000
Utilities: $400
Phone, cable, internet: $200
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $450
Other expenses: $1500 (personal loan)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508266
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: $3,900.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,730 Estimated loss*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $169.84
 
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: 660-679 (May-2011) Inquiries last 6m: 5 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 15 / 10 Length of status: 0y 5m
Amount delinquent: $0 Total credit lines: 37 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,669 Stated income: $75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%    
    Homeownership: Yes    
Screen name: velocity-fir 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
My loan
Purpose of loan:
This loan will be used to use it for general purpose.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508322
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 13.00%    
Term: 36 months        
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $279.47
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%    
    Estimated return*: 15.61%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Apr-1997 Debt/Income ratio: 40%
Credit score: 600-619 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 10 Current / open credit lines: 10 / 9 Length of status: 1y 2m
Amount delinquent: $21,266 Total credit lines: 51 Occupation: Medical Technician
Public records last 12m / 10y: 1/ 1 Revolving credit balance: $1,670 Stated income: $25,000-$49,999
Delinquencies in last 7y: 57 Bankcard utilization: 132%    
    Homeownership: No    
Screen name: ems9776 Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 600-619 (Latest)
Principal borrowed: $2,500.00 < 31 days late: 0 ( 0% )  
600-619 (Apr-2011)
600-619 (Apr-2008)
600-619 (Jan-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35    
Description
Debt Consolidation
Purpose of loan: Pay off credit card debt and
This loan will be used to pay off credit debt and repair my vehicle that has some repair needs so I can go to work without worries.

My financial situation:
I am a good candidate for this loan because I have paid off one prosper.com loan. I had and never missed a payment. I look forward to getting out of debt and getting my money on track. **** I also work a part-time job on some of my days off to add to my salary. ****


Monthly net income: 4000.00
Housing: $ 979.00
Insurance: $ 98.00
Car expenses: $ 614.00
Utilities: $ 78.00
Phone, cable, internet: $ 100.00
Food, entertainment: $ 200.00
Clothing, household expenses: $ 75.00
Credit cards and other loans: $ 300.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508328
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: $10,000 Estimated loss*: 5.95%    
Term: 60 months        
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $259.35
 
Lender servicing fee: 1.00% Effective Yield*: 17.68%    
    Estimated return*: 11.73%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-2000 Debt/Income ratio: 18%
Credit score: 700-719 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 13 / 10 Length of status: 1y 0m
Amount delinquent: $0 Total credit lines: 28 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $65,301 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 84%    
    Homeownership: Yes    
Screen name: orange-rate-seeker Borrower's state: Louisiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidation
Purpose of loan:
This loan will be to consolidate credit card debt.

My financial situation:
I am a good candidate for this loan because I'm never late on any of may payments. I just think it'll be easier for me to pay down this debt if it's all together. I just paid of my vehicle, therefore I'll have extra money to pay the loan. I'm just really tired of having credit cards. Once they are paid off, they will be shredded!

Monthly net income: 2,000
Monthly expenses: $400.00
Housing: $600.00
Insurance: $300 every 3 months
Car expenses: $NA
Utilities: $90
Phone, cable, internet: $60
Food, entertainment: $50
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508340
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,400.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $5,880 Estimated loss*: 3.80%    
Term: 36 months        
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $276.60
 
Lender servicing fee: 1.00% Effective Yield*: 10.37%    
    Estimated return*: 6.57%    
* 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): 9 First credit line: Apr-2004 Debt/Income ratio: 14%
Credit score: 760-779 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 6 / 6 Length of status: 0y 8m
Amount delinquent: $0 Total credit lines: 6 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,691 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%    
    Homeownership: No    
Screen name: unequaled-peace4 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
I want to help!
Purpose of loan:
My best friend is getting married to his dream girl. I would like to pay for his wedding's catering charges as my wedding gift and help him out a little bit at the same time.

My financial situation:
I am employed earning 60k a year. I have been in my industry for 5+ and I have no accumulating debt. A borrower you can trust and a credit history to prove it. Looking for all the help I can get and it is very much appreciated.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508382
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: E Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 13.00%    
Term: 36 months        
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $300.97
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%    
    Estimated return*: 15.61%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Oct-1994 Debt/Income ratio: 64%
Credit score: 620-639 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 13 / 10 Length of status: 7y 10m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $43,127 Stated income: $75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 101%    
    Homeownership: Yes    
Screen name: cjw1970 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 1 / 2 On-time: 52 ( 98% ) 620-639 (Latest)
Principal borrowed: $30,000.00 < 31 days late: 1 ( 2% )  
620-639 (Apr-2011)
760-779 (Sep-2009)
760-779 (Aug-2009)
720-739 (Apr-2008)
 
Principal balance: $6,979.32 31+ days late: 0 ( 0% )
Total payments billed: 53    
Description
My personal loan for my business
Funds for startup costs for seasonal business. Money will be used to acquire additional equipment, supplies, etc. Expanding this year from 2 to 7 markets allows me to increase profit from $10K to $35K; this revenue would be used to pay off debt. I?ve proven that I pay my debt in full and on-time. I?ve been a Prosper borrower for 3 years. Initially, I received $18k loan & just recently paid it off. I paid on time and each month. I took out another loan for $12k. Again, I?ve never been late.
My rating doesn?t look great on paper. However, my family owns several businesses and I have significant net worth. I?ve decided to work hard to reduce our debt from cash flow as opposed to selling off assets. If the situation arises in which I can?t meet my obligations, then I?d sell off assets to pay debt. Prosper?s rating only looks at one?s debt & income picture and doesn?t consider one?s assets. Thus, I?ll continue to pay my Prosper debt obligations in full and on-time each month.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508388
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: E Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 13.00%    
Term: 36 months        
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $300.97
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%    
    Estimated return*: 15.61%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Feb-1995 Debt/Income ratio: 27%
Credit score: 660-679 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 6 / 6 Length of status: 5y 9m
Amount delinquent: $0 Total credit lines: 31 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0 Stated income: $25,000-$49,999
Delinquencies in last 7y: 7 Bankcard utilization: 0%    
    Homeownership: Yes    
Screen name: jasongdsd 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.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 660-679 (Latest)
Principal borrowed: $3,000.00 < 31 days late: 0 ( 0% )  
660-679 (Apr-2011)
600-619 (Jul-2006)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 35    
Description
Home Improvement and consolidate
Purpose of loan:
To pay off a loan that is $120 a month and the rest will be used to make some repairs and upgrades to my home. Had some really bad weather due to the tornadoes in my area that did some damage and i would like to repair it myself and not file it on my homeowners because a fence was damaged and my pool house was damaged but they were really old and by the time they prorate it would not benefit me. With my goal refinancing my house and paying this loan and a car loan off. I owe 87000.00 on my home and the last appraisal i had in dec of 2009 was 115000.00 with the home improvements i intend to do will bring it to the 125000.00 range.

My financial situation:
This will be my second loan with prosper and i am still using the same bank account for the draft and i payed the last one off great.


Monthly net income: $3800
Monthly expenses: $2200.00
Food, entertainment: $400
Clothing, household expenses: $400
Other expenses: $150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 506553
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 10.00%    
Term: 60 months        
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 29.37% Monthly payment: $381.62
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%    
    Estimated return*: 15.34%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-2004 Debt/Income ratio: 27%
Credit score: 620-639 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 10 / 10 Length of status: 20y 11m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $12,159 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 93%    
    Homeownership: Yes    
Screen name: special-deal5 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 620-639 (Latest)
Principal borrowed: $6,000.00 < 31 days late: 0 ( 0% )  
700-719 (Jun-2010)
 
Principal balance: $4,713.71 31+ days late: 0 ( 0% )
Total payments billed: 10    
Description
Pay off credit cards and prior loan
Purpose of loan: pay off & consolidate credit
This loan will be used to..See above - I will be ok without it however it would be great to consolidate.

My financial situation: I am a good candidate for this loan because...I have a steady 21 year job history with the same hospital.


Monthly net income: $5400
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 507659
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: Aug-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (May-2011) Inquiries last 6m: 0 Employment status: Self-employed
Now delinquent: 0 Current / open credit lines: 8 / 5 Length of status: 6y 1m
Amount delinquent: $0 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,503 Stated income: $100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 79%    
    Homeownership: No    
Screen name: happinesstocome Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to help pay for my child's wedding and pay off some personal debt.

My financial situation is very healthy. Between my business income and retirement income (postal retirement) I make more than enough to cover my monthly expenses.

I am a good candidate for this loan because I am rsponsible and have realistic financial goals.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507981
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: $4,000 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: Nov-2004 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (May-2011) Inquiries last 6m: 5 Employment status: Self-employed
Now delinquent: 0 Current / open credit lines: 14 / 13 Length of status: 3y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Realtor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,667 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 16%    
    Homeownership: No    
Screen name: benjamins-jam0 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
kurzik
Purpose of loan:
This loan will be used for business expense.

My financial situation:
I am a good candidate for this loan because I'm responsible and I'm pay back quickly, I'm credit worthy....


Monthly net income: $3200
Monthly expenses: $1500
Housing: $0
Insurance: $0
Car expenses: $629
Utilities: $80
Phone, cable, internet: $0
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $50
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 507993
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 13.00%    
Term: 36 months        
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $85.99
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%    
    Estimated return*: 15.61%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: May-1996 Debt/Income ratio: 11%
Credit score: 600-619 (May-2011) Inquiries last 6m: 4 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 6 / 5 Length of status: 11y 10m
Amount delinquent: $802 Total credit lines: 40 Occupation: Clerical
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,240 Stated income: $50,000-$74,999
Delinquencies in last 7y: 28 Bankcard utilization: 99%    
    Homeownership: No    
Screen name: shell1670 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 0 / 1 On-time: 30 ( 83% ) 600-619 (Latest)
Principal borrowed: $3,000.00 < 31 days late: 6 ( 17% )  
540-559 (Mar-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 36    
Description
My personal loan
Purpose of loan: Pay back family and lenders
This loan will be used to... My two children and I recently moved and we were lucky enough to be able to borrow some money from family and some short term payday loans... would like to pay them all off and have one monthly payment

My financial situation: I am employed full time and have an excellent work history, will have been at my current employer 12 years this coming July
I am a good candidate for this loan because... I have a steady, secure job and direct deposit. I am reliable and trustworthy.


Monthly net income: $3100
Monthly expenses: $150
Housing: $1150
Insurance: $0
Car expenses: $0
Utilities: $75
Phone, cable, internet: $225
Food, entertainment: $325
Clothing, household expenses: $100
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508135
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: E Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 14.70%    
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*: 29.57%    
    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-1994 Debt/Income ratio: 13%
Credit score: 700-719 (Apr-2011) Inquiries last 6m: 0 Employment status: Other
Now delinquent: 1 Current / open credit lines: 4 / 3 Length of status: 0y 1m
Amount delinquent: $755 Total credit lines: 22 Occupation: Other
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: Elderlywomanneedshelp Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Sanbar
Purpose of loan:
This loan will be used to...pay off 3 more loans to lower my payments

My financial situation:
I am a good candidate for this loan because.I have always paid my bills on time and will continue to do so.


Monthly net income: $3200
Monthly expenses: $1800
Housing: $755
Insurance: $90
Car expenses: $no payment
Utilities: $200
Phone, cable, internet: $90
Food, entertainment: $240.00
Clothing, household expenses: $50
Credit cards and other loans: $520-this is the payment I want to lower
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508141
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-2005 Debt/Income ratio: Not calculated
Credit score: 720-739 (May-2011) Inquiries last 6m: 2 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 2 / 2 Length of status: 4y 7m
Amount delinquent: $0 Total credit lines: 3 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 Stated income: $1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%    
    Homeownership: No    
Screen name: blissful-auction5 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
self
Purpose of loan: business
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...
no debt

Monthly net income: $3335
Monthly expenses: $1000
Housing: $500
Insurance: $0
Car expenses: $0
Utilities: $60
Phone, cable, internet: $40
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $100
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508147
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: Jan-2001 Debt/Income ratio: 21%
Credit score: 660-679 (May-2011) Inquiries last 6m: 11 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 8 / 7 Length of status: 0y 9m
Amount delinquent: $0 Total credit lines: 47 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $540 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 15%    
    Homeownership: No    
Screen name: ingenious-fund454 Borrower's state: Utah Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
iStabilizer.com inventory loan
Purpose of loan: To purchase more inventory for iStabilizer.com
This loan will be used to... Purchase a larger volume of inventory lowering my cost per unit.

My financial situation: I have a solid product that is generating sales online but to take this to the next level I need a larger amount of inventory.
I am a good candidate for this loan because... I have business experience and a solid product that has tremendous potential. I have retailers ready to place orders as soon as I can supply the inventory.


Monthly net income: $4500
Monthly expenses: $3000
Housing: $0
Insurance: $0
Car expenses: $400
Utilities: $0
Phone, cable, internet: $200
Food, entertainment: $400
Clothing, household expenses: $500
Credit cards and other loans: $1000 (student loans)
Other expenses: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508153
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: $13,000 Estimated loss*: 11.20%    
Term: 36 months        
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $530.66
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%    
    Estimated return*: 14.14%    
* 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): 6 First credit line: Jan-2007 Debt/Income ratio: 14%
Credit score: 760-779 (May-2011) Inquiries last 6m: 4 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 6 / 5 Length of status: 3y 6m
Amount delinquent: $0 Total credit lines: 9 Occupation: Teacher
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: enriching-gold9 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
Teacher
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508159
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: 60 months        
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $489.83
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%    
    Estimated return*: 17.55%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Dec-1992 Debt/Income ratio: 39%
Credit score: 720-739 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 17 / 17 Length of status: 15y 4m
Amount delinquent: $0 Total credit lines: 46 Occupation: Police Officer/Corr...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $25,098 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 68%    
    Homeownership: Yes    
Screen name: auction-boots 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
Consolidation of credit cards
Purpose of loan: consolidate credit cards
This loan will be used to...pay off credit cards

My financial situation:
I am a good candidate for this loan because...I have the funds to pay the loan I just would rather pay one amount a month than 9 differnet payments.


Monthly net income: $3800.00
Monthly expenses: $
Housing: $600.00
Insurance: $213.00
Car expenses: $0.00
Utilities: $75.00
Phone, cable, internet: $150.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $1350.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508165
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: A Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 2.60%    
Term: 60 months        
 
Lender yield: 12.29% Borrower rate/APR: 13.29% / 14.66% Monthly payment: $297.72
 
Lender servicing fee: 1.00% Effective Yield*: 12.25%    
    Estimated return*: 9.65%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1999 Debt/Income ratio: 48%
Credit score: 680-699 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 17 / 14 Length of status: 6y 7m
Amount delinquent: $0 Total credit lines: 39 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,145 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 29%    
    Homeownership: Yes    
Screen name: economy-cadence9 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 1 / 2 On-time: 15 ( 88% ) 680-699 (Latest)
Principal borrowed: $8,000.00 < 31 days late: 2 ( 12% )  
640-659 (Jun-2010)
660-679 (Oct-2009)
 
Principal balance: $4,786.99 31+ days late: 0 ( 0% )
Total payments billed: 17    
Description
Debt Consolidation
Purpose of loan:
This loan will be used to... consolidate several bills into one monthly payment.

My financial situation:
I am a good candidate for this loan because...I have held the same job for 7 years, my employment outlook is very stable, I'm a family man and i always pay my bills. I would just like to be able to better manage my family finances by consolidating debt.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508191
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: A Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 3.80%    
Term: 36 months        
 
Lender yield: 10.40% Borrower rate/APR: 11.40% / 13.52% Monthly payment: $428.07
 
Lender servicing fee: 1.00% Effective Yield*: 10.37%    
    Estimated return*: 6.57%    
* 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): 10 First credit line: Feb-2001 Debt/Income ratio: 22%
Credit score: 720-739 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 9 / 6 Length of status: 3y 8m
Amount delinquent: $0 Total credit lines: 11 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,174 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 27%    
    Homeownership: No    
Screen name: affluence-influencer1 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
Card-free living
Purpose of loan:
This loan will be used to allow my wife and I to go back towards a cash only living. My wife is a student and we would greatly benefit getting out of the credit card cycle.

My financial situation:
I just recently received a raise from my employer and I am in a secure financial situation where I can easily pay of the loan within the appropriate amount of time.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508223
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*: 13.00%    
Term: 36 months        
 
Lender yield: 29.99% Borrower rate/APR: 30.99% / 34.62% Monthly payment: $214.98
 
Lender servicing fee: 1.00% Effective Yield*: 28.61%    
    Estimated return*: 15.61%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jan-1995 Debt/Income ratio: 17%
Credit score: 660-679 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 5 Current / open credit lines: 3 / 4 Length of status: 21y 10m
Amount delinquent: $3,337 Total credit lines: 18 Occupation: Fireman
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $352 Stated income: $50,000-$74,999
Delinquencies in last 7y: 44 Bankcard utilization: 82%    
    Homeownership: No    
Screen name: tough-cash2 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,000.00 < 31 days late: 0 ( 0% )  
680-699 (Jun-2010)
 
Principal balance: $1,590.59 31+ days late: 0 ( 0% )
Total payments billed: 10    
Description
Cleaning up old bills
Purpose of loan: Saving for a house
This loan will be used to...Clean up some old bills

My financial situation: Is good in tough economic times!
I am a good candidate for this loan because...I pay my bills in a timely manner after going through some tough times due to an unexpected accident.


Monthly net income: $3204
Monthly expenses: $
Housing: $570
Insurance: $109
Car expenses: $75
Utilities: $92
Phone, cable, internet: $145
Food, entertainment: $50
Clothing, household expenses: $45
Credit cards and other loans: $523
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508233
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 14.70%    
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*: 29.57%    
    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): 2 First credit line: May-1993 Debt/Income ratio: Not calculated
Credit score: 780-799 (May-2011) Inquiries last 6m: 5 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 16 / 15 Length of status: 10y 4m
Amount delinquent: $0 Total credit lines: 36 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,565 Stated income: $100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 10%    
    Homeownership: Yes    
Screen name: courteous-investment686 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
Remodeling bathrooms in home
Purpose of loan:
This loan will be used to... remodel bathrooms

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


Monthly net income: $ 8000
Monthly expenses: $
Housing: $1,100
Insurance: $120
Car expenses: $239
Utilities: $80
Phone, cable, internet: $120
Food, entertainment: $300
Clothing, household expenses: $200
Credit cards and other loans: $2,000
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508239
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): 4 First credit line: Mar-1989 Debt/Income ratio: 13%
Credit score: 660-679 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 3 / 3 Length of status: 12y 2m
Amount delinquent: $258 Total credit lines: 36 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1 Stated income: $100,000+
Delinquencies in last 7y: 35 Bankcard utilization: 0%    
    Homeownership: No    
Screen name: exuberant-loan7 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
bizmikey
Purpose of loan:
This loan will be used to...buy a property

My financial situation: Very Good
I am a good candidate for this loan because...I have no Credit Card debt and I make much more than I owe. as well as the fact I have been with the company I work for for over 11 years.


Monthly net income: $8,900
Monthly expenses: $2000
Housing: $850
Insurance: $95
Car expenses: $536
Utilities: $0
Phone, cable, internet: $140
Food, entertainment: $250
Clothing, household expenses: $125
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508257
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: $4,000 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: Jun-1999 Debt/Income ratio: >1000%
Credit score: 640-659 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 2 Current / open credit lines: 12 / 8 Length of status: 12y 4m
Amount delinquent: $1,166 Total credit lines: 49 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $759 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%    
    Homeownership: Yes    
Screen name: agreement-gadget 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
teacher
Purpose of loan:
This loan will be used to...fund my vacation and to consolidate some bills

My financial situation:
I am a good candidate for this loan because...I am very responsible and I get paid all through the summer.


Monthly net income: $3000
Monthly expenses:
Housing: $770.65
Insurance: $110
Car expenses: $385.00
Utilities: $150
Phone, cable, internet: $180
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $400
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508263
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 2.60%    
Term: 36 months        
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $405.04
 
Lender servicing fee: 1.00% Effective Yield*: 9.26%    
    Estimated return*: 6.66%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1991 Debt/Income ratio: 35%
Credit score: 760-779 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 19 / 18 Length of status: 2y 3m
Amount delinquent: $0 Total credit lines: 27 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,280 Stated income: $75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%    
    Homeownership: Yes    
Screen name: Chicago15 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 1 / 1 On-time: 35 ( 100% ) 760-779 (Latest)
Principal borrowed: $12,000.00 < 31 days late: 0 ( 0% )  
680-699 (Apr-2008)
 
Principal balance: $412.77 31+ days late: 0 ( 0% )
Total payments billed: 35    
Description
Help lower APR to zero debt
Purpose of loan:
This loan will be used to pay off a credit card that unfortunately got ran up do to unexpected financial expenses over last year. Bought a house, little flooding, repairs, etc. Unfortunately, the APR on the card went up really high. This loan will be used to become debt free and to get my family in a financial situation to save for our new baby. I am a returning prosper borrower with a PERFECT payment history. I just finished paying my current loan with Prosper this month (used for our wedding).

My financial situation:
I am a good candidate for this loan because my total household monthy income is 3700.00 more than enough to cover this loan. I have an excellent credit history and would never do anything to put that into jeopardy. Thank you very much!
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508331
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 11.20%    
Term: 60 months        
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $310.22
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%    
    Estimated return*: 17.55%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Aug-1989 Debt/Income ratio: 35%
Credit score: 680-699 (May-2011) Inquiries last 6m: 2 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 14 / 11 Length of status: 7y 1m
Amount delinquent: $0 Total credit lines: 44 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $24,991 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%    
    Homeownership: No    
Screen name: listing-ferret4 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
GLASSMAN
Purpose of loan:
This loan will be used to...TO PAY OFF OUTSTANDING DEBT AND CREDIT CARDS

My financial situation: IS GOOD. JUST WANT RID OF ALL THR INTEREST
I am a good candidate for this loan because... HAVE A SOLID EVERY DAY JOB. JUST NEED ALITTLE HELP TO BRING DOWN PAYMENTS


Monthly net income: $2100.00
Monthly expenses: $0.00
Housing: $0.0
Insurance: $98.00
Car expenses: $0.0
Utilities: $0.0
Phone, cable, internet: 140.00
Food, entertainment: $100.00
Clothing, household expenses: $0.00
Credit cards and other loans: 9500.00 IS WHY I WANT LOAN
Other expenses: $0.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508337
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 11.20%    
Term: 36 months        
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%    
    Estimated return*: 14.14%    
* 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): 6 First credit line: Jun-2004 Debt/Income ratio: 19%
Credit score: 660-679 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 4 / 3 Length of status: 0y 7m
Amount delinquent: $0 Total credit lines: 19 Occupation: Waiter/Waitress
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,472 Stated income: $25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 73%    
    Homeownership: No    
Screen name: encouraging-dough4 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
Car Upkeep
Purpose of loan: Auto repairs
This loan will be used to...Auto repairs

My financial situation: good financially
I am a good candidate for this loan because...I have always paid my debts on time

Monthly net income: $2500
Monthly expenses: $less than $200
Housing: $0 live w/my girlfriend and her mother and she pays housing expenses
Insurance: $0 my parents pay it
Car expenses: $0 because my car is paid off
Utilities: $0 because my girlfriends mom pays for all of it
Phone, cable, internet: $70 for my phone
Food, entertainment: $maybe $50 to $100 each month for food Clothing, household expenses: $0 because my girlfriend buys my clothes
Credit cards and other loans: $0 because my parents pay for my credit cards
Other expenses: $0 because I dont really do anything other than work and go to school
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508397
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): 4 First credit line: May-2007 Debt/Income ratio: Not calculated
Credit score: 660-679 (May-2011) Inquiries last 6m: 3 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 10 / 8 Length of status: 2y 10m
Amount delinquent: $0 Total credit lines: 12 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 Stated income: $1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%    
    Homeownership: Yes    
Screen name: kinetic-euro8 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
$3000 for Down Payment
Purpose of loan:
This loan will be used to put a down payment on an apartment, which will be paid back as early as November 2011.

My financial situation:
I am a good candidate for this loan because I make enough money to pay the monthly payment on time, and can even pay double the minimum occassionally, and the loan will be paid off by November.


Monthly net income: $1750
Monthly expenses: $780
Housing: $600
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $80
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.