424B3 1 listing_20110603-0850.htm listing_20110603-0850.htm
 
 
Listing Report:Supplement No. 30 dated Jun 03, 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 506492
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 6.10%    
Term: 36 months        
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $73.30
 
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): 6 First credit line: Oct-1990 Debt/Income ratio: 20%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 3 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 10 / 8 Length of status: 3y 9m
Amount delinquent: $0 Total credit lines: 24 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,983 Stated income: $25,000-$49,999
Delinquencies in last 7y: 16 Bankcard utilization: 54%    
    Homeownership: No    
Screen name: exchange-cycle 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.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 1 / 1 On-time: 10 ( 100% ) 700-719 (Latest)
Principal borrowed: $1,000.00 < 31 days late: 0 ( 0% )  
700-719 (May-2011)
780-799 (Jun-2010)
 
Principal balance: $743.23 31+ days late: 0 ( 0% )
Total payments billed: 10    
Description
Consolidation Loan
Purpose of loan:
This loan will be used to... Consolidate 2 smaller high interest balances

My financial situation:
I am a good candidate for this loan because...I will utilize automatic withdrawal


Monthly net income: $3587.50
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 507046
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): 2 First credit line: Feb-1996 Debt/Income ratio: 15%
Credit score: 680-699 (May-2011) Inquiries last 6m: 10 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 5 / 4 Length of status: 12y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0 Stated income: $25,000-$49,999
Delinquencies in last 7y: 21 Bankcard utilization: 0%    
    Homeownership: Yes    
Screen name: Knightrider65 Borrower's state: Arizona Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 0 / 1 On-time: 33 ( 97% ) 680-699 (Latest)
Principal borrowed: $3,100.00 < 31 days late: 1 ( 3% )  
560-579 (Jun-2008)
520-539 (Feb-2007)
520-539 (Jan-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 34    
Description
Can Use Some Help!
In March 2011, I guaranteed an apartment on a one year lease for my oldest daughter and grandson. A week later, she lost her job and I?ve been paying her rent and her electric bill of $629 per month. This loan would allow me to assist her until either she finds a job or we can terminate her lease without penalty to my credit rating in August 2011.

My net salary is $1203.64 every two weeks or approximately $2407 monthly. I also receive $581 per month in disability, for a total monthly net income of $2988. My disability pay may not be reflected in my DTI.

My expenses (after the Prosper Loan) will be:

Rent & Insurance - $1245
Car & Insurance - $476
Utilities - $580
Student Loans - $150

With my income of $2988 per month, and ongoing expenses of $2451, I have approximately $537 in cash each month, above my normal expenses, which is almost five times what I need to repay this loan. Thank you for consideration.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509482
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*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $304.84
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%    
    Estimated return*: 14.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Sep-2008 Debt/Income ratio: Not calculated
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 5 / 5 Length of status: 1y 2m
Amount delinquent: $0 Total credit lines: 6 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,549 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 30%    
    Homeownership: No    
Screen name: DiabolicalGamer 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
Starting a Bitcoin Venture
Purpose of loan:
This loan will be used to invest in Bitcoin, build "mining" computers to generate Bitcoin, and rent a small office to provide a brick & mortar BTC/USD exchange for our local community.

About Bitcoin:
www.bitcoin.org
www.weusecoins.com
www.bitcoinwatch.com

I plan to actively promote the adoption of Bitcoin in my local community by creating products and services for local merchants such as:
* PC Software
* Mobile Phone Apps
* POS Devices and Check-out Integration

My financial situation:
I am a good candidate for this loan because I am experienced in my field and am motivated to succeed in this venture.

Monthly net income: $1950
Monthly expenses: $1450
Housing: $350
Insurance: $0
Car expenses: $50
Utilities: $0
Phone, cable, internet: $25
Food, entertainment: $500
Clothing, household expenses: $25
Credit cards and other loans: $400
Other expenses: $100
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509488
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%    
    Estimated return*: 14.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: May-1995 Debt/Income ratio: 28%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 14 / 14 Length of status: 13y 2m
Amount delinquent: $0 Total credit lines: 31 Occupation: Retail Management
Public records last 12m / 10y: 0/ 3 Revolving credit balance: $11,542 Stated income: $50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 92%    
    Homeownership: Yes    
Screen name: wheel232 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Double R
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...I have a stable job ,good pay history .Normally receive a good size bonus compensation at work but missed financial numbers last year and was not able to pay debt off.


Monthly net income: $5700
Monthly expenses: $
Housing: $1300
Insurance: $215
Car expenses: $427
Utilities: $600
Phone, cable, internet: $130
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $950
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509512
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): 2 First credit line: Nov-1991 Debt/Income ratio: 25%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 4 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 18 / 18 Length of status: 13y 5m
Amount delinquent: $2,566 Total credit lines: 32 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $35,917 Stated income: $50,000-$74,999
Delinquencies in last 7y: 16 Bankcard utilization: 37%    
    Homeownership: Yes    
Screen name: annaspride Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509524
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 11.20%    
Term: 36 months        
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $346.97
 
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: Dec-1991 Debt/Income ratio: 17%
Credit score: 780-799 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 1 / 2 Length of status: 14y 5m
Amount delinquent: $1,839 Total credit lines: 26 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0 Stated income: $25,000-$49,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%    
    Homeownership: Yes    
Screen name: graceful-hope8 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...

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


Monthly net income: $40,000
Monthly expenses: $
Housing: $Insurance: $
Car expenses: $2,500
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $2,500
Credit cards and other loans: $4,000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509536
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%    
    Estimated return*: 14.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Mar-1987 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0 Employment status: Self-employed
Now delinquent: 0 Current / open credit lines: 1 / 1 Length of status: 10y 1m
Amount delinquent: $0 Total credit lines: 14 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $259 Stated income: $50,000-$74,999
Delinquencies in last 7y: 10 Bankcard utilization: 64%    
    Homeownership: No    
Screen name: Chicken-Farmer Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Expanding all Natural Farm
Purpose of loan:
This loan will be used to expand my all natural free range egg and poultry farm. We need to buy some day old chicks, turkeys, and ducklings and pay for their feed.

My financial situation is great, We started small and our business has continually grown. We sell to restaurants, small grocers, at farmers markets, and major food chains. We use no antibiotic, arsenic, or any growth stimulants. Our products tastes great and are in high demand. This loan will help us meet that demand.

I am a good candidate for this loan because business is expanding and we are at the right place at the right time.


Monthly net income: $6000
Monthly expenses: $4050
Housing: $600
Insurance: $200
Car expenses: $400
Utilities: $400
Phone, cable, internet: $50
Food, entertainment: $250
Clothing, household expenses: $200
Credit cards and other loans: $150
Other expenses: $1800 farm mortgage
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509560
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Aug-2002 Debt/Income ratio: 33%
Credit score: 640-659 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 5 Current / open credit lines: 20 / 20 Length of status: 3y 11m
Amount delinquent: $5,991 Total credit lines: 33 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 Stated income: $25,000-$49,999
Delinquencies in last 7y: 28 Bankcard utilization: 0%    
    Homeownership: No    
Screen name: atcrain07 Borrower's state: SouthCarolina 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
My financial situation:
I am a good candidate for this loan because... my credit score is low from a credit card when I first started college 7 years ago. They gave me a $2000 limit even though I didn't have a job and I could not pay it back. Years later the company refused to settle for the original amount so I let it go. I now have an MBA, a full-time job (4 years), and a new sense of responsibility. Please take a chance on me and you won't regret it.

Monthly net income: $2800
Monthly expenses: $
Housing: $430
Home Insurance: $30
Car Insurance: $80
Utilities: $110
Phone, cable, internet: $90
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $15
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509640
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 11.20%    
Term: 36 months        
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $285.74
 
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): 5 First credit line: Nov-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 0 Employment status: Self-employed
Now delinquent: 1 Current / open credit lines: 8 / 8 Length of status: 24y 10m
Amount delinquent: $57 Total credit lines: 18 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,534 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%    
    Homeownership: Yes    
Screen name: useful-platinum8 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
$7000 loan needed, please help
Purpose of loan:
This loan will be used to pay off some bills and put some money back into my business

My financial situation:
I am a good candidate for this loan because I work 80 hrs a week and pay my bills, house payment, etc on time every month.


Monthly net income: $4800
Monthly expenses: $ 2500 for everything
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 509646
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $13,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 11.20%    
Term: 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: Feb-1999 Debt/Income ratio: 33%
Credit score: 700-719 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 14 / 14 Length of status: 11y 1m
Amount delinquent: $0 Total credit lines: 50 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,861 Stated income: $100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 87%    
    Homeownership: Yes    
Screen name: productive-worth8 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
My personal loan for my business
Purpose of loan:
This loan will be used to fund an E-20 Greco rig used to insulate buildins and homes. Our construction company already has homes scheduled for construction in a great Texas economy. We will typically make $6000-$10,000 gross per home with this unit and after we pay employees and materials we will clear minimum of $3000-$5000 net per job.
small business
My financial situation:
I am a good candidate for this loan because I take my credit very serious and always pay my bills and loans. I have a good steady paying job making over $100,000 a year.


Monthly net income: $5500.00
Monthly expenses:$4150.00
Housing: $1150.00
Insurance:150.00
Car expenses: $1050.00
Utilities: $300.00
Phone, cable, internet: $200.00
Food, entertainment: $500.00
Clothing, household expenses: $200.00
Credit cards and other loans: $600
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509658
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,600.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,600 Estimated loss*: 5.95%    
Term: 36 months        
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $91.40
 
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: Feb-1998 Debt/Income ratio: 7%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 2 Current / open credit lines: 4 / 3 Length of status: 5y 5m
Amount delinquent: $4,702 Total credit lines: 10 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,616 Stated income: $25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 8%    
    Homeownership: No    
Screen name: green-sincere-bid Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt and baby
Purpose of loan: This loan will be used to pay off debt and buy items need for my baby on the way

My financial situation:
I am a good candidate for this loan because I am a hard worker and just experiencing a hard time in todays economical times. I am looking to welcome my first child into this world in July and really would love to be able to give him the ideal things he shall need without concerns of him going without for even a minute.


Monthly net income: $2416.00
Monthly expenses: $2100.00
Housing: $959.00
Insurance: $85.00
Car expenses: $306.00
Utilities: $250.00
Phone, cable, internet: $200.00
Food, entertainment: $200.00
Clothing, household expenses: $100.00
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509694
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: $2,200.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,200 Estimated loss*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $95.81
 
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: Apr-1998 Debt/Income ratio: 26%
Credit score: 640-659 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 5 / 5 Length of status: 1y 8m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,310 Stated income: $25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 94%    
    Homeownership: No    
Screen name: liberty-boss7 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Improvements
Purpose of loan:
This loan will be used to...add deck to home.

My financial situation:
I am a good candidate for this loan because...I pay my bills on time every month. I have a total revolving credit limit of $10,500 and I only owe $3100. This gives me 37% revolving credit ratio. I have student loans with two different lenders but each lender listed every loan seperately making me have 12 extra accounts. Also some loans were transferred and those 6 accounts still show as open accounts. This has caused my credit score to drop significantly putting me in a high risk category although I have never missed a payment. i have mutiple inquires on my account from when I purchased my home in 2010 and they all are being reported seperatley instead of just one mortgae inquiry. This has also impacted my score.


Monthly net income: $4300
Monthly expenses: $3379
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509700
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $152.42
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1996 Debt/Income ratio: 4%
Credit score: 660-679 (May-2011) Inquiries last 6m: 2 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 0 / 0 Length of status: 2y 7m
Amount delinquent: $0 Total credit lines: 8 Occupation: Other
Public records last 12m / 10y: 1/ 2 Revolving credit balance: $0 Stated income: $25,000-$49,999
Delinquencies in last 7y: 28 Bankcard utilization: 0%    
    Homeownership: No    
Screen name: logical-velocity3 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
zeus
Purpose of loan: swimming pool/finishing bathroom
This loan will be used to...
remodel/put up new pool
My financial situation: employed and so is my wife
I am a good candidate for this loan because...
I have good incomes and am able to repay the loan, we had a rough few years, but are back on track

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

Car expenses: $100
Utilities: $115
Phone, cable, internet: $200
Food, entertainment: $300
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509768
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Aug-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0 Employment status: Self-employed
Now delinquent: 2 Current / open credit lines: 8 / 9 Length of status: 2y 2m
Amount delinquent: $6,776 Total credit lines: 36 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $75,617 Stated income: $75,000-$99,999
Delinquencies in last 7y: 3 Bankcard utilization: 101%    
    Homeownership: Yes    
Screen name: dedication-whistle Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Rainbow Palms Gay Campground Resort
This loan will be used for capital projects and property improvements.

http://rainbowpalmsresort.com/

Rainbow Palms Resort is the first gay campground in Puerto Vallarta and certainly the largest in Mexico. At more than 18 acres, ours is one of the largest gay campgrounds in the world!

Accommodations include room for 300 campers, a 40-unit RV park and 8 Casitas/Villas. The amenities are amazing, too: a 6,500+ square foot bar and restaurant complex, 2 outdoor bars, indoor nightclub, billiards, restaurant, BBQ areas, 2 large swimming pools, sports fields, horseback riding, on-site massage services, showers, washrooms, laundry, and even a 30-seat cinema!

We are need funding in order to add a Steam Bath and Pool for the RV park.

This project will be worth a great deal to any investor.

Even if you decide not to invest, please keep us in mind for your next vacation. ;)
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509798
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.20%    
Term: 60 months        
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $326.55
 
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: Aug-1994 Debt/Income ratio: 20%
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 3 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 21 / 17 Length of status: 9y 3m
Amount delinquent: $0 Total credit lines: 56 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,864 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 70%    
    Homeownership: Yes    
Screen name: kimber2222 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
Fixing my roof...and new flooring
Purpose of loan: Home Improvements
This loan will be used to...put a new roof on my home and repair flooring through out my home.

My financial situation:
I am a good candidate for this loan because...I pay all of my bills on time, and have been employed for almost 10 years with the same employer.


Monthly net income: $ 5000
Monthly expenses: $ 2890
Housing: $ 2171
Insurance: $ 140
Car expenses: $ 374
Utilities: $ 280
Phone, cable, internet: $ 110
Food, entertainment: $ 200
Clothing, household expenses: $ 100
Credit cards and other loans: $ 200
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509804
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: $5,721.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $4,004.70 Estimated loss*: 5.95%    
Term: 36 months        
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $201.11
 
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): 7 First credit line: Feb-1992 Debt/Income ratio: 26%
Credit score: 760-779 (Jun-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 5 / 4 Length of status: 11y 7m
Amount delinquent: $0 Total credit lines: 29 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $521 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 5%    
    Homeownership: No    
Screen name: angel549 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
Humanitarian purposes
Purpose of loan:
This loan will be used to... Pay for a bill that is destroying the life of someone I love. This person has been worrying and stressing over their debt so much that the doctors have said that he will not live much longer, if he does not stop worrying so much. He has 2 weeks to pay it or his debtors will triple it. I desperately want to help him live longer by paying his bill.

My financial situation:
I am a good candidate for this loan because...I have always paid ALL my bills - I pay off my balances each month of my credit card. I'm very responsible when it comes to paying anything owed.


Monthly net income: $2,427
Monthly expenses:
Housing: $618
Insurance: $136
Car expenses: $100
Utilities: $115
Phone, cable, internet: $137
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $462
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509810
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,500.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,450 Estimated loss*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $152.42
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: May-1984 Debt/Income ratio: 49%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0 Employment status: Other
Now delinquent: 0 Current / open credit lines: 19 / 18 Length of status: 5y 0m
Amount delinquent: $0 Total credit lines: 48 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $9,917 Stated income: $25,000-$49,999
Delinquencies in last 7y: 2 Bankcard utilization: 95%    
    Homeownership: Yes    
Screen name: top-impartial-asset Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
reunion
Purpose of loan:
This loan will be used to...

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


Monthly net income: $3400
Monthly expenses: $
Housing: $0
Insurance: $35
Car expenses: $150
Utilities: $200
Phone, cable, internet: $212
Food, entertainment: $250
Clothing, household expenses: $150
Credit cards and other loans: $1000
Other expenses: $500
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509822
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): 1 First credit line: Aug-1993 Debt/Income ratio: 19%
Credit score: 600-619 (Jun-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 2 Current / open credit lines: 6 / 6 Length of status: 17y 5m
Amount delinquent: $6,707 Total credit lines: 54 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,388 Stated income: $50,000-$74,999
Delinquencies in last 7y: 14 Bankcard utilization: 95%    
    Homeownership: Yes    
Screen name: Seasonair Borrower's state: Maryland Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 1 / 2 On-time: 43 ( 90% ) 600-619 (Latest)
Principal borrowed: $7,001.00 < 31 days late: 5 ( 10% )  
600-619 (Apr-2010)
600-619 (Feb-2010)
600-619 (Jun-2008)
620-639 (Apr-2008)
 
Principal balance: $753.12 31+ days late: 0 ( 0% )
Total payments billed: 48    
Description
NEED MONEY TO HELP OUT MY SISTER
Purpose of loan: To get my sister caught up with her mortgage
This loan will be used to...get my sisters mortage caught back up. She was out of work for one year but now she has obtained a job.

My financial situation: I beleive in paying my loans back becuse you never know when you might need a loan.
I am a good candidate for this loan because...I make enough money to repay the loan.


Monthly net income: $3382.00
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $348.00
Utilities:
$Phone, cable, internet: $150.00
Food, entertainment: $150.00
Clothing, household expenses: $0
Credit cards and other loans: $200.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 508891
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%    
    Estimated return*: 14.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Feb-1997 Debt/Income ratio: 37%
Credit score: 700-719 (May-2011) Inquiries last 6m: 3 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 15 / 13 Length of status: 2y 8m
Amount delinquent: $0 Total credit lines: 38 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,644 Stated income: $75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 37%    
    Homeownership: Yes    
Screen name: impeccable-compassion5 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
Impeccable-compassion5
Purpose of loan: Consolidate credit card debt to pay off in shorter period of time.

My financial situation is very stable. I have been in the same field of employment for over 15 years and at my current position under three years. Including my wife's salary, our net monthly income is about $6800, sometimes a bit more with my overtime which averages 15-25 hours bi-weekly.

I am a good candidate for this loan because I am financially responsible, always make my payments on time and strive to pay additional whenever possible. I am a good family man and my priorities are my faith, family and work.



Monthly net income: $6800
Monthly expenses: $5730
Housing: $824
Insurance: $182
Car expenses: $1670
Utilities: $265
Phone, cable, internet: $385
Food, entertainment: $700
Clothing, household expenses: $400
Credit cards and other loans: $1050
Other expenses: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509437
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: $15,000 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): 7 First credit line: Dec-1986 Debt/Income ratio: 40%
Credit score: 760-779 (Jun-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 10 / 10 Length of status: 3y 4m
Amount delinquent: $0 Total credit lines: 31 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,870 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%    
    Homeownership: Yes    
Screen name: speedy-credit415 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
Request Opportunity to Consolidate
Purpose of loan:
This loan will be used to...consolidate debt/pay off credit cards

My financial situation:
I am a good candidate for this loan because...Review of my credit history will verify that I reliably pay my debts and have never defaulted. I work very hard to meet my financial obligations.


Monthly net income: $3625 + Overtime
Monthly expenses: $3600
Housing: $1500
Insurance: auto $90 per month; home is included in housing above
Car expenses: $400
Utilities: $200
Phone, cable, internet: $70
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $1000
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509491
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%    
    Estimated return*: 14.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-2002 Debt/Income ratio: 33%
Credit score: 640-659 (May-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 6 / 5 Length of status: 10y 9m
Amount delinquent: $0 Total credit lines: 11 Occupation: Teacher's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,367 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 101%    
    Homeownership: No    
Screen name: unbeatable-deal2 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan to pay off medical bills
Purpose of loan:
This loan will be used to...pay off medical bills. I had a major operation and this is the amount my insurance didnt cover. I would really like to pay this off. It would bring my stress level down alot.lol

My financial situation:
I am a good candidate for this loan because...
i am a responsible person who pays there bills on time.

Monthly net income: $2800
Monthly expenses: $
Housing: $740
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 509497
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 11.20%    
Term: 36 months        
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $612.30
 
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): 5 First credit line: Aug-1992 Debt/Income ratio: 10%
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 5 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 5 / 5 Length of status: 11y 11m
Amount delinquent: $0 Total credit lines: 30 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,719 Stated income: $100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 89%    
    Homeownership: Yes    
Screen name: the-fairness-showcase 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
AH personal loan
Purpose of loan:
This loan will be used to upgrade my home and make renovations.

My financial situation:
I am a good candidate for this loan because because I have a solid career. I have been with my company for more than 11 years and make a significant salary that affords me the ability to repay this loan in full and on time. My joint annual income with my husband is more than $300,000.


Monthly net income: $16,000 (joint)
Monthly expenses: see below
Housing: $3675
Insurance: $150
Car expenses: $1300
Utilities: $450
Phone, cable, internet: $175
Food, entertainment: $700
Clothing, household expenses: $500
Credit cards and other loans: $750
Other expenses: $600
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509515
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: $15,000 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: Jul-1991 Debt/Income ratio: 53%
Credit score: 740-759 (Jun-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 12 / 12 Length of status: 5y 8m
Amount delinquent: $0 Total credit lines: 33 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $19,866 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%    
    Homeownership: Yes    
Screen name: hard-working-kindness 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
Excited to pay this loan back quick
Purpose of loan: Consolidate debt
This loan will be used to...Pay off debt and put in new pipes in my home that is desperately needed

My financial situation: Good
I am a good candidate for this loan because...I have a very secure job and am actually close to receiving a higher paid promotion here shortly. I am also very good about paying people back before i purchase anything unnecessary, This loan will be paid back asap.


Monthly net income: $4000
Monthly expenses: $
Housing: $910
Insurance: $120
Car expenses: $750
Utilities: $200
Phone, cable, internet: $235
Food, entertainment: $400
Clothing, household expenses: $25
Credit cards and other loans:
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509527
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 2.60%    
Term: 36 months        
 
Lender yield: 9.29% Borrower rate/APR: 10.29% / 12.40% Monthly payment: $324.04
 
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: Nov-2000 Debt/Income ratio: 23%
Credit score: 740-759 (Jun-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 13 / 13 Length of status: 6y 9m
Amount delinquent: $0 Total credit lines: 40 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,262 Stated income: $75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%    
    Homeownership: Yes    
Screen name: ih8jocks1692 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.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 0 / 2 On-time: 32 ( 100% ) 740-759 (Latest)
Principal borrowed: $17,000.00 < 31 days late: 0 ( 0% )  
720-739 (Mar-2010)
740-759 (Oct-2009)
760-779 (Apr-2008)
760-779 (Feb-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 32    
Description
money money money
Purpose of loan:
This loan will be used to.invest in the stock market..

My financial situation:
I am a good candidate for this loan because i have taken 2 loans in the past and have never been late on a payment...
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509539
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 14.70%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%    
    Estimated return*: 14.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Jun-1992 Debt/Income ratio: 10%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 3 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 4 / 3 Length of status: 33y 7m
Amount delinquent: $508 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 Stated income: $75,000-$99,999
Delinquencies in last 7y: 21 Bankcard utilization: 0%    
    Homeownership: Yes    
Screen name: platinum-buckeye5 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
Ford Truck
Purpose of loan: Purchase used vehicle
This loan will be used to...purchase vehicle

My financial situation: Union Bank of California
I am a good candidate for this loan because...I will be making automatic payments and if needed I can make this a joint account, but there was no selection for this type of transaction.


Monthly net income: $5000
Monthly expenses: $
Housing: $2725
Insurance: $130
Car expenses: $200
Utilities: $250
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $0
Credit cards and other loans: $400
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509551
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: $15,000 Estimated loss*: 5.95%    
Term: 36 months        
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $527.28
 
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: Feb-1993 Debt/Income ratio: 11%
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 9 / 7 Length of status: 0y 9m
Amount delinquent: $0 Total credit lines: 53 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $400 Stated income: $75,000-$99,999
Delinquencies in last 7y: 16 Bankcard utilization: 11%    
    Homeownership: No    
Screen name: dignified-market1 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
dignified-market1
Purpose of loan: Consolidate Debt
This loan will be used to...pay off balance of credit cards, small 401K loan and my car.

My financial situation: Is very stable and improving yearly.
I am a good candidate for this loan because...my credit score via Prosper is 729, I have an excellant income and want to make my financial situation even better with this loan. I want to make sure my finances will be all clear in 3 years from this loan


Monthly net income: $2700 and soon to be increasing to 3600 per month.
Monthly expenses: $2200
Housing: $750 rental
Insurance: $91
Car expenses: $150
Utilities: $150
Phone, cable, internet: $117
Food, entertainment: $200
Clothing, household expenses: $100
Credit cards and other loans: $400
Other expenses: $250
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509649
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: Mar-1999 Debt/Income ratio: 53%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 7 / 7 Length of status: 2y 11m
Amount delinquent: $0 Total credit lines: 14 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,611 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%    
    Homeownership: Yes    
Screen name: reformation529 Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home loan
Purpose of loan: payoff debts
This loan will be used to...get back on track

My financial situation: need to combined bills in to one payment
I am a good candidate for this loan because...i will pay off debt


Monthly net income: $2500 plus wifes 2500
Monthly expenses: $
Housing: $360
Insurance: $250
Car expenses: $
Utilities: $80
Phone, cable, internet: $
Food, entertainment: $400
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509667
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 11.20%    
Term: 36 months        
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $285.74
 
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: Sep-1992 Debt/Income ratio: 11%
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 10 / 10 Length of status: 2y 3m
Amount delinquent: $0 Total credit lines: 31 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,281 Stated income: $100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 92%    
    Homeownership: Yes    
Screen name: systematic-justice2 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
I can see the light at the end.....
Purpose of loan: Consolidate and close out cards/cash reserve
A/C repairs have zapped my cash reserve and I never want to live paycheck to paycheck again.

My financial situation:
I am a good candidate for this loan because my income exceeds my debt, I have been given the highest rating by my company and our bonus will be paid in full 3 months. I've been under a lot of stress over the last few months but still managed to excel at my job and will see the rewards. I'm also a strong believer in paying it forward. Not only can you be sure that I will pay this loan back but you can be sure that I will seek to help someone else within 1 year by making a loan here of the same amount that I receive.

Monthly net income: $12000
Monthly expenses: $10000
Housing: $1906
Insurance: $1200
Car expenses: $1000
Utilities: $500
Phone, cable, internet: $124
Food, entertainment: $1400
Household expenses: $900
Credit cards & other loans: $2238
Other expenses: $900
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509673
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): 5 First credit line: Nov-1986 Debt/Income ratio: 6%
Credit score: 680-699 (May-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 0 / 0 Length of status: 0y 7m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0 Stated income: $25,000-$49,999
Delinquencies in last 7y: 3 Bankcard utilization: 0%    
    Homeownership: No    
Screen name: p2p-battalion Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Take over a profitable restaurant
Purpose of loan: To own and manage my own restaurant. This diner is currently operating at a pofit, but the landlord needs a new owner as the last one absconded.

My financial situation: stable
I am a good candidate for this loan because I am a trustworthy person. I have a full-time career as a substance abuse counselor. Also, my husband is retired military receiving a military pension monthly. We both love the food service business and this is a golden opportunity for us to run our own restaurant.


Monthly net income: $1500.00
Monthly expenses: $1050.00
Housing: $550
Insurance: $100
Car expenses: $50
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $50
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509679
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $9,100 Estimated loss*: 1.95%    
Term: 60 months        
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $289.11
 
Lender servicing fee: 1.00% Effective Yield*: 10.98%    
    Estimated return*: 9.03%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Sep-1994 Debt/Income ratio: 4%
Credit score: 820-839 (Jun-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 4 / 4 Length of status: 25y 4m
Amount delinquent: $0 Total credit lines: 17 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $483 Stated income: $100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 2%    
    Homeownership: Yes    
Screen name: songbird949 Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan for home improvement
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509685
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $17,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $11,900 Estimated loss*: 1.95%    
Term: 36 months        
 
Lender yield: 7.99% Borrower rate/APR: 8.99% / 9.33% Monthly payment: $540.52
 
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: Apr-1997 Debt/Income ratio: 7%
Credit score: 760-779 (Jun-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 9 / 9 Length of status: 18y 11m
Amount delinquent: $0 Total credit lines: 11 Occupation: Psychologist
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,409 Stated income: $100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 4%    
    Homeownership: No    
Screen name: heavenly-responsibility6 Borrower's state: Nebraska Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan for marriage
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509703
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): 9 First credit line: May-2001 Debt/Income ratio: 12%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 1 Employment status: Employed
Now delinquent: 1 Current / open credit lines: 4 / 3 Length of status: 3y 2m
Amount delinquent: $78 Total credit lines: 11 Occupation: Tradesman - Mechani...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,023 Stated income: $50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 33%    
    Homeownership: Yes    
Screen name: listing-refresher1 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
home improvement to sell house
Purpose of loan: divorce settlement to sell house,but needs to be fixed
This loan will be used to...fix house house in waltonville IL and sell,ex wife took all my money,now selling the house there

My financial situation: good,just trying to start over
I am a good candidate for this loan because...I work steady and paying off everything she left me stuck with,house has to go as soon as possible


Monthly net income: $4500
Monthly expenses: $1120
Housing: $543
Insurance: $ 85
Car expenses: $0
Utilities: $125
Phone, cable, internet: $60
Food, entertainment: $150
Clothing, household expenses: $0
Credit cards and other loans: $150
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509801
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $87.10
 
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-2009 Debt/Income ratio: 25%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 5 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 6 / 6 Length of status: 2y 9m
Amount delinquent: $0 Total credit lines: 7 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,941 Stated income: $1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 52%    
    Homeownership: No    
Screen name: sharp-trade8 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
looking for a $2000 loan for a car
Purpose of loan:
This loan will be used to... buy a nice car because the car i have now is breaking down. I need a car for school and work because im a pizza delivery driver.

My financial situation:
I am a good candidate for this loan because... i pay all my bills on time and i live with my parents so i do not have many bills. my w2 shows i make about $10000 a year but thats not including tips. i make an average of $200 in tips a week.


Monthly net income: $1500
Monthly expenses: $
Housing: $0
Insurance: $40
Car expenses: $0
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $300
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509819
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 20.30%    
Term: 36 months        
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%    
    Estimated return*: 8.87%    
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 1 First credit line: Apr-2003 Debt/Income ratio: 30%
Credit score: 680-699 (May-2011) Inquiries last 6m: 5 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 18 / 18 Length of status: 5y 0m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $20,955 Stated income: $75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 78%    
    Homeownership: Yes    
Screen name: TRU601 Borrower's state: Mississippi Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
TRU601
Purpose of loan:
This loan will be used to...

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

NET INCOME 5650
Monthly expenses: $3150
Housing: $1665
Insurance: $200
Car expenses: $0
Utilities: $0
Phone, cable, internet: $125
Food, entertainment: $75
Clothing, household expenses: $100
Credit cards and other loans: $325
Other expenses: $275
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509825
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): 7 First credit line: Jun-1993 Debt/Income ratio: 17%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 0 Employment status: Employed
Now delinquent: 2 Current / open credit lines: 4 / 4 Length of status: 17y 2m
Amount delinquent: $5,375 Total credit lines: 31 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $321 Stated income: $75,000-$99,999
Delinquencies in last 7y: 15 Bankcard utilization: 64%    
    Homeownership: Yes    
Screen name: hitchcock 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.
Prosper Activity
Loan history Payment history Credit score history
Active / total loans: 1 / 2 On-time: 48 ( 100% ) 660-679 (Latest)
Principal borrowed: $2,500.00 < 31 days late: 0 ( 0% )  
660-679 (Apr-2010)
560-579 (Apr-2008)
 
Principal balance: $768.08 31+ days late: 0 ( 0% )
Total payments billed: 48    
Description
Complete bathroom/deck repairs
Purpose of loan:
This loan will be used to...
Complete Bathroom floor repair and deck repairs.

My financial situation:
I am a good candidate for this loan because...
Stable job with a good income and 100% on-time status with previous Prosper loans.
A few years back, I went through a debt settlement process with my wife and we are nearing completion. This explains any chargeoffs on the credit report (along with the dip in the score).
These are nearly complete and we have an escrow built and are negotiating with the final ones now.


Monthly net income: $ 5800
Monthly expenses: $ --see below--
Housing: $ 930
Insurance: $ 177
Car expenses: $ 489
Utilities: $ 260
Phone, cable, internet: $ 150
Food, entertainment: $ 600
Clothing, household expenses: $ 200
Credit cards and other loans: $ 150
Other expenses: $ 400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 509849
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: Nov-2009 Debt/Income ratio: 12%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 5 Employment status: Employed
Now delinquent: 0 Current / open credit lines: 4 / 4 Length of status: 0y 9m
Amount delinquent: $0 Total credit lines: 10 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $137 Stated income: $25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 12%    
    Homeownership: No    
Screen name: vibrant-pound2 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
Car Loan
Purpose of loan:
This loan will be used to purchase a car to get to and from work.

My financial situation:
I am a good candidate for this loan because I pay before It is due and I have no other payments to pay. I also have job security as I am an employee for Homeland Security.


Monthly net income: $2000
Monthly expenses: $100
Housing: $ 0
Insurance:$ $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $80
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.