Paying off my credit cards

Hi, The reason I'm requesting this loan is to pay off some high interest credit cards that keep rising in interest.
I'm 42 years old married with two teenage boys. I'm a Veteran of Operation Dessert Storm and have been a Truck Driver for 17 years.
I was working a local driving job for years when after being laid off the last two winters I was forced to go back over the road to profide for the well being off my family. I'm making around 4 thousand a month but with the high interest credit cards seems to be no end in site. I would like to send my kids to collage but the hope of that seems impossable the way the interest rates on these thing keep rising. Any help would be appricated.

                                                                                                                          
                                                                                                                                                                      Thank You

Replacing heat pump

I'm looking to replace our very old (and almost non-functioning) heat pump. I have only a top-bounds estimate of what that will cost because I can't shop around for the best offer without the leverage of cash in hand. Also, I've seen some great deals with the potential for significant savings, but only for upfront payments of the full amount - financing via the installer would be much more expensive. I've estimated high but I plan to use any leftover funds to improve our home's energy efficiency and weatherproofing to get the most mileage out of the investment.

I just started a new job that involved a raise of almost 30% and my expenses have dropped, if anything. So I know I could save enough to finance this directly before winter. However, my wife is expecting and the heat in the house has been getting worse every summer - I really don't want to put her through that again in her current condition.

I anticipate no issue with the monthly payments - I'm already running on a monthly budgetary surplus of at least 1k. My credit history has been shaky in the past, but my income has caught up with and exceeded my expenses. I've cleared off most of my debt this year, aside from long-term obligations like the mortgage and student loans. My record is improving dramatically over time and will continue to do so.

Please help me keep my wife cool this summer - she has enough to deal with as it is.

Monthly net income: $ ~7400 (my income + my wife's, since these expenses are all shared between us)

Monthly expenses: $
  Housing: $ 2000
  Insurance: $ 200
  Car expenses: $ 500
  Utilities: $ 275
  Phone, cable, internet: $ 250
  Food, entertainment: $ 1000
  Clothing, household expenses $ 200
  Credit cards and other loans: $ 200
  Other expenses: $

Expansion of Business

Purpose of loan:
This loan will be used to finance the upgrade of equipment used to produce virgin coconut oil and its derivative products.

My financial situation:
I am a good candidate for this loan because I automatically pay all my bills through my bank.  I make sure that my bank is funded and normally check my obligations and reminds myself electronically of upcoming payment. 

Monthly net income: $ 8700

Monthly expenses: $
  Housing: $ 1500
  Insurance: $ 350
  Car expenses: $ 300 (Car fully paid/Expense from maintenance and repairs)
  Utilities: $ inclusive of rent
  Phone, cable, internet: $ 100
  Food, entertainment: $ 500
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 1500
  Other expenses: $ 250 (Automatic Investment)

Paying off my credit cards

Purpose of loan:
This loan will be used to consolidate credit card debt.  I put my oldest daughter through college and I also bought a house in May 2009.  These events caused me to accrue higher than usual balances on my credit cards.  These particular cards have high interest rates on them.  I am hoping to secure a loan through Prosper so I can pay off all of these cards and be debt free, other than my house payment, within three years.

My financial situation:
I am a good candidate for this loan because I have great work and residential stability.  I resided in my previous home for twenty-two years and kept an excellent payment history with my mortgage lender.  I have also be gainfully employed with the United States Postal Service for the past thirteen years.  I have never been in collections with any creditor.  I also have an excellent payment history with all creditors/lenders.

Pay Off High Interest Credit Card

Purpose of loan:
This loan will be used to?payoff high interest credit card account.     
My financial situation:
I am a good candidate for this loan because?it will be an easy loan to payoff.

Monthly net income: $ 5000  

Monthly expenses: $
  Housing: $ 1100
  Insurance: $ 120
  Car expenses: $ 75
  Utilities: $ 200
  Phone, cable, internet: $ 200
  Food, entertainment: $ 400
  Clothing, household expenses $ 200
  Credit cards and other loans: $ 600
  Other expenses: $

Filling the Debt Hole

Purpose of loan:
This loan will be used to?pay off higher interest debt.  A card that is 19% right now and I plan to use this loan to pay off a card that has a good balance transfer option avaliable right now so that I can in turn transfer another card over to it.  This will result in us closing the second card, its still new and won't be needed or a temptation for further debt.

My financial situation:
I am a good candidate for this loan because? My wife and I are trying to do everything in our power to get out of debt before my 9-month little girl starts school.  We realize how and why we have accumulated this debt and are taking major steps to eliminate the debt cycle we have fallen into.  We are not struggling to pay our debt but are rather trying to curb c/c debt all together.

Monthly net income: $ Between my wife and I we make $92,000.00 a year

Monthly expenses: $
  Housing: $ 1812
  Insurance: $ 245
  Car expenses: $ 1133
  Utilities: $ 200
  Phone, cable, internet: $ 130
  Food, entertainment: $ 400
  Clothing, household expenses $ 300
  Credit cards and other loans: $ 400
  Other expenses: $ 300

Paying for Grad School Ph.D.

Purpose of loan:
This loan will be used to pay the initial costs of beginning my graduate education.  I am starting a Ph.D. program and need the money to help my move.

My financial situation:
I am a good candidate for this loan because I have already been secured financial aid and fellowships and simply need this small loan to cover books, rent and food until my financial aid is disbursed in September 2009.  I will be able to pay back the loan before the end of the 2009-2010 school year, with interest.  This will be a very short term loan.

Monthly net income: $
2000.00

Monthly expenses: $
  Housing: $ 750.00
  Car expenses: $ 0.00
  Utilities: $ 25.00
  Credit cards : $ 30.00
 

Open a produce stand w/ fun extras

Purpose of loan: 
This loan will be used to open a produce stand on a main road in a medium sized town.  We will be buying produce by the case at wholesale market prices from the farmer's market and selling below supermarket prices, thereby guaranteeing fresh produce at reasonable prices.  Our prices will be sufficient to show a profit, but low enough to draw customers.  We will also be selling snow-cones, fresh baked goods, boiled peanuts, duck eggs from our own flock of ducks, oven ready ducks (also from our flock) and inspirational plaques made by one of the proprietors.  Our available products will increase as we establish our business.  On Sunday mornings the building will be used as a chapel.  One proprietor is a minister.

My financial situation: 
We are good candidates for this loan because we have a 5 bedroom/3 bathroom doublewide home (year 2000) situated on 2 acres of rural property with no deed restrictions to use as collateral.  This can be substantiated by the borrowers.  This parcel and the accompanying double wide home is paid in full. The proprietors had another business in this same town until the end of 2008.  We have a good reputation with the people in this town and know we would be able to make this a profitable business.  Our chosen location was originally a produce stand many years ago and several locals have told us of their sentimental memories of going to "the fruit stand" as children. This business will be well received by the locals and possibly by some passing through. 

income: $ 1392.00

Monthly expenses: $1293.00
  Housing: $0
  Insurance: $ 79.00
  Car expenses: $ 100.00
  Utilities: $ 226.00
  Phone, cable, internet: $ 48.00
  Food, entertainment: $700.00
  Clothing, household expenses $60.00
  Credit cards and other loans: $0
  Other expenses: $80.00 (Duck food) 

"paying for college"

I have stability.  I have worked for the same company and lived in the same apartment for over 8 years.  Although I've had issues before, i am making steps in the right direction.  I am attending the school to obtain my degree in Nursing.  Once I complete my degree I plan to be a traveling nurse.  I maintain a 3.5 GPA while taking full time courses and maintaining a full time job as well.  I am seeking some financial assistance so that I can attend school this semester.  I have about 27 credit hours left.  I'm keeping my eyes on the prize.

Going to Pay off my Credit Cards

Purpose of loan:
This loan will be used to pay off my credit cards, and get my finances under control. 

My financial situation:
I am a good candidate for this loan because I am currently employed at a business that is doing well.  I haven't missed a credit card payment in quite awhile.  I am capable of payng the debt I owe, just not as fast as I would like.  I am trying to get a lower interest rate, so more of my monthly payment will go towards to the principle. 

Monthly net income: $ 2400

Monthly expenses: $
  Housing: $ 555
  Insurance: $ 150
  Car expenses: $ 100
  Utilities: $ 75
  Phone, cable, internet: $ 30
  Food, entertainment: $ 300
  Clothing, household expenses $
  Credit cards and other loans: $ 800
  Other expenses: $ 300

SINGLE MOM NEEDING COLLEGE FUNDS

Purpose of loan:
This loan will be used to pay for college.  I am a single young mom trying to better the future for not only myself, but for my 13 month old son as well.  On top of all of the bills I pay, college has been a struggle for me.  So far I have been able to make ends meet, I just need a little extra help this fall.  I believe for my age I have fairly good credit, the problem is I do not have enough credit history and that has been making it difficult for me to receive a loan anywhere else.  That is when my mom told me about this website and I really hope this works because I am really in need.

My financial situation:
I am a good candidate for this loan because I have always paid my bills on time and will easily be able to pay off this loan.  I really need this loan and hope, although I am young, lenders trust that I WILL pay the money back.  In January I will be getting enough taxes to steadily pay off the loan amount.

Monthly net income: $ 1,600.00

Monthly expenses: $
  Housing: $ 100.00
  Utilities: $ 60.00
  Food, entertainment: $ 200.00
  Clothing, household expenses $ 50.00
  Credit cards and other loans: $ 350.00

Payoff debt to buy house

Purpose of loan:
This loan will be used to? payoff my debt and save enough money to buy a house within two years. This is a birthday present my 6 year asked for last week.

My financial situation:
I am a good candidate for this loan because? I pay on time and i paid off my previous loan from Prosper One year early. My wife also works as she helps with the groceries and insurance payments of the car.

Monthly net income: $ 1652

Monthly expenses: $
  Housing: $ 580
  Insurance: $ 100
  Car expenses: $
  Utilities: $ 26
  Phone, cable, internet: $ 94
  Food, entertainment: $ 150
  Clothing, household expenses $ 50
  Credit cards and other loans: $ 200
  Other expenses: $

3rd Prosper Loan - No Late Payments

I am a newly graduated library science student living in the Bay Area, CA. After 2.5 years of hard work, I have completed the coursework to earn my Master's degree, and am excited to start my career as a librarian.

I am hoping to secure a loan to pay for basic living expenses as I search for a full-time career position. During my job hunt, I will earn income through temp work and waitressing, which will allow me to make monthly loan payments. In addition, my boyfriend and I plan to move to a lower-rent apartment this summer, and the loan would help facilitate that move (i.e., security deposit and truck rental).

I have been a member of Prosper since December 2006, and have received two loans: One paid off in full ($2,550) and one active ($1,300). I have made a total of 34 loan payments, and every payment has been on time and in-full. My experience with Prosper and its lenders has been wonderful. During the processes of getting my first two loans funded, I was impressed by the kind support and encouragement of the Prosper community.

Years of working for non-profit organizations and supporting myself through school have left me with some large debts, hence my HR rating. However, I am very responsible about paying my debts on time and pride myself on being a responsible borrower. Please feel free to ask me any questions or request more information. Thank you for looking at my listing!

PAY OFF FINAL CREDIT CARD

Purpose of loan:
My financial situation:
1.  I would use a new Prosper loan to pay off my last credit card (29% interest), obtain a lower monthly payment, and save money.  I would have it taken directly out of my account on said date each month.  
2.  It would help me to rebuild my credit to a higher score. 
3.  I would prefer providing a nice rate of return to Prosper investors than to credit card/loan companies and subsequently establish myself as a quality Prosper borrower.  I am worthy of the loan because even though I had some trouble over the last couple of years with medical expenses, etc., I never considered bankruptcy, and never gave up.  I have become very frugal with household expenses, reduced my child care costs, etc. to save money each month.  I believe that I have worked for too many years to establish a solid credit history to turn back now.  I am committed to fulfulling all of my financial obligations and getting my credit rating back to what it ws before my troubles started.  I recently received a promotion which generated a significant salary increase and I believe that I am on my way.  
4.  I would like to be a quality borrower and when I am able, I would like to become a lender and take advantage of these fantastic rates of return myself.


Monthly net income: $ 4283.00

Monthly expenses: $ 
 Housing: $ 1190.74    Insurance: $  140.00 Utilities:   
 Phone, cable, internet: $ 0.00 included in above utilities
 Food, entertainment: $ 250.00
 Clothing, household expenses $ 250.00 
 Other expenses: $ 417.00 car  
I would like to pay off my last credit card $4321 with a Prosper loan.  The current payment is $272.  I have a portion of it now.  I would like to borrow the difference to pay off this month instead of over the next several months. 

Prosper people helping people?

Purpose of loan:
This loan will be used to?
Pay off 2 walmart cc
My financial situation:
I am a good candidate for this loan because?
I currently have a prosper loan and have not defaulted.
Monthly net income: $ 2100

Monthly expenses: $
  Housing: $ 300 Live with mom
  Insurance: $ 140
  Car expenses: $ 225
  Utilities: $ 0
  Phone, cable, internet: $ 140
  Food, entertainment: $ 400
  Clothing, household expenses $ 0
  Credit cards and other loans: $ 600
  Other expenses: $ 0

Investment Property

I will be using the Prosper loan for debt consolidation.  I have hit some bumps in the road, but I'm taking back control of my finances instead of letting them control me!

EXPLANATION OF BAD CREDIT:  I have 4 delinquencies on my credit report.  A huge mistake letting a friend get a house in my name and she was not able to make the payments.  The house went into foreclosure.  The bank sold the property and we have an agreement that she will be paying the difference of the balance from the sale.   Another is a credit card that is currently being disputed.  Most of the delinquencies are from the foreclosure as each month the payments were late it reflected on my credit report.

I have previously had a prosper loan for $12,000 which will be paid in full and in good standing on Dec. of this year.  I believe this community is a great way to help others reach their financial goals.  I hope someday in the future I will be able to repay the favor to others that the investors on this site have done for me.

Here is a break down of the current loans I have that will paid off with my Prosper loan. 
Car Loan:  4,400
Care Credit Card: 3,000
Target Visa: 800
HSBC:  300 
Prosper Closing Fee: $225
Total:  8,725

Here is my monthly income:
Net Income after deductions: $4,300   
1) ISD teaching:  $3,500
2) Avon Sales Income:  $800    
 
Fiance's Income(mechanic/ former NFL player):  $2,500
Total monthly Income:  $6,800 

Current Monthly Budget:
1)Rent :  $500
2) Car: $300 
3)Car Insurance $150
4) Groceries: $200
5)Phone:  $100
6)Electricity & Water:  $130
7)Gas:  $90
8)Cable/Internet: $90
9)Credit Cards:  $175
10) Student Loan: $100
11)Clothing, Miscellaneous Expenses:  $75

Total Expenses:  $1,910
Net monthly available cash after expenses is $2,390. 
After receiving the Prosper loan I will be adding about a $500/mo. payment to my budget and removing some of the other smaller payments.

My new budget will be as follows:
1)Rent :  $500
2) Prosper Loan: $500
3)Car Insurance $150
4) Groceries: $200
5)Phone:  $100
6)Electricity & Water:  $130
7)Gas:  $90
8)Cable/Internet: $90
9)Clothing, Miscellaneous Expenses:  $75

Total Expenses:  $1,835
Net monthly available cash after expenses $2,465
If there are any questions, please ask.  Thanks in advanced! 

Blending

I've got a F&F loan I'd like to take the cash out of, and mostly to test out the new lender interface.

My financial situation:
I have an excellent credit rating, and with good reason. I know how to be frugal, and I am diligent in my personal accounting and payments. I pay my credit cards in full. I have a substantial savings, in liquid accounts, retirement accounts, automobiles, and my primary residence.

DQs are bogus, which I'm contesting. (1 is a county trying to extort money with a red light camera. The other is Verizon, who can't do, let alone provide, proper accounting to save their lives.)

Monthly net income: $ 8050

Monthly expenses: $ 6430
  Housing (mortgage, prop tax, less deductible portion): $ 3100
  Insurance: $ 550
  Car expenses: $ 1100
  Utilities: $ 100
  Phone, cable, internet: $ 175
  Food, entertainment: $ 690
  Clothing, household expenses $ 180
  Credit cards and other loans: $ 160
  Other expenses: $ 275

Utility and Medical Bills

Purpose of loan:
This loan will be used to restore gas into my home. It was shut off two months ago and the company has refused any payment plan other than payment in full of past due balance along with a reconnection fee and a deposit. In addition to this I incurred medical bills that rapidly came due along with copays for medication. I look a lot like you, we could pass in the hall at work and you would not know I am in dire straights. I wake up and drive to my sister's house to shower for work since I have no hot water. I am fortunate it is summer so I can grill food to eat and use my coffee maker to make hot water for washing up at night.

My financial situation:
I am a good candidate for this loan because I am a responsible person who simply had too many emergencies at one time. I have a professional job in the medical field with no threat of layoffs. I have taken pride in being a home owner with no credit card debt. This is because I have no credit cards and now see they are part of a responsible financial plan.

Monthly net income: $ 4,300

Monthly expenses: $
  Housing: $ 1090
  Insurance: $ 150
  Car expenses: $ 260
  Utilities: $ 175
  Phone, cable, internet: $ 150
  Food, entertainment: $ 300
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 50
  Other expenses: $

Getting rid of the bank!

Purpose of loan:
This loan will be used to consolidate credit cards that are at a much higher rate (hopefully).  I am working on the "Dave Ramsey" plan but I need to free up some room in my budget, so this is a good start by lowering a payment or two.  I plan on being completely debt free in the next 36 months, will you help me and my family and pick up some interest for yourself in the process?

My financial situation:
Good.  I have no problem paying bills and keeping everything ahead of schedule.  I am looking to close some more credit cards with this loan.

I am a good candidate because:
I am a good candidate for this loan because I have stable employment with more than average income that is verifiable.  I have a great repayment history with no late payments, EVER.  My current score is based solely on open lines of credit with respect to their balances.  I am getting rid of them.

Monthly net income: $6,000

Monthly expenses: $4000
  Housing: $1500
  Insurance: $135
  Car expenses: $522
  Utilities: $300
  Phone, cable, internet: $100
  Food, entertainment: $400
  Clothing, household expenses $100
  Credit cards and other loans: $1000

Worth It All

Purpose of loan:
This loan will be used to consolidate debt. 

My financial situation:
I am a good candidate for this loan because? I pay all my bills on time as reflected in my credit information you are able to view.  There is one public record, which is a bankruptcy that was discharged August 2006.  The decision to file the bankruptcy was very difficult one to make as at the time my credit had no flaws whatsoever.  However, I had to consider not only myself but two very special people in my life....my wife and the child that we started caring for overnight about a year before the bankruptcy was filed.  We had been married for a very short time when this situation faced us.  While we were able to pay all our bills, in order to secure this childs future, the expenses were adding up monthly.  I didn't want to take on a loan that I wasn't sure we would be able to pay due to the ongoing and unexpected expenses.  Therefore, I made the decision to file the bankruptcy.  The adoption was final last August and we are a very happy family and can say the biggest blessing in our lives so far.  We have been able to save money for unexpected situations that may come up in the future. 

Update:  We are still working on the expenses of the adoption and would like to consolidate debt into one payment (including the current loan I have with Prosper)
  
While I know this loan will be my responsiblity I would like to say that my wife enjoys a very sucessful carrer with a modest income that helps with household expenses and childcare.

Monthly net income: $ 2800.00 (average)
Monthly expenses: $ 1840.00
  Housing: $ 616.00
  Insurance: $ 74.00
  Car expenses: $ 450.00
  Utilities: $ 270.00
  Phone, cable, internet: $ 154.00
  Food, entertainment: $ Wifes income handles
  Clothing, household expenses $ My wife handles.
  Credit cards and other loans: $ 485.00 (includes current Prosper loan andl will be paid off with this load).
  Other expenses: $ Wife's income handles

Helping out Family

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? Last year I needed a Loan for my Buisness and within 1 year I paid our loan off. I thought all was good until I lost a family member. I paid for alot of the expense but I put it on my credit card now I would like to get a lower rate so I can pay it off faster. I am a police officer for 20 years and my buisness is starting to grow. I just need alittle help getting over this hump. Thanks for any and all of your help.

Monthly net income: $ 7000

Monthly expenses: $
  Housing: $ 1800
  Insurance: $ 125
  Car expenses: $ 225
  Utilities: $ 250
  Phone, cable, internet: $ 150
  Food, entertainment: $ 200
  Clothing, household expenses $ 200
  Credit cards and other loans: $ 600
  Other expenses: $

Help me Consolidate

Purpose of loan:
This loan will be used to consolidate credit card debt of 3000 and pay off a motorcycle loan of 6000.

My financial situation:
I am a good candidate for this loan because i have never been late on any payments to any accounts i currently have or have had in the past.  Once this loan is funded i will pay off the credit cards and motorcycle. At which time once i have title for motorcycle, it will be sold and money repaid toward loan.

My Income is currently low as i am a student and i work part time.

My fiancee currently makes 80K+ a year and has done so for the past 2.5years , but due to us not being married yet, i cannot count that income as my own but  He pays all the bills with his money so that i can focus on my second college degree.

Monthly net income: $ 2000

Monthly expenses: $ 1250
  Housing: $ 400
  Insurance: $ 50
  Car expenses: $ 50
  Utilities: $ 60
  Phone, cable, internet: $ 60
  Food, entertainment: $ 200
  Clothing, household expenses $ 50
  Credit cards and other loans: $ 400
  Other expenses: $

Need Car

Purpose of loan:
This loan will be used to? buy a car.

My financial situation:
I am a good candidate for this loan because? I am stable, I have the same routine daily, and I manage what little money I have. I currently live with my son and have no other bills other than my cell phone.  I recently bought a new car and do not want to have the large payments so my son said he would take over.  at my current age I need to save more money.        

Monthly net income: $ 1600.00

Monthly expenses: $
  Housing: $ 0.00
  Insurance: $ 48
  Car expenses: $
  Utilities: $ 0.00
  Phone, cable, internet: $ 50.00
  Food, entertainment: $ 200.00
  Clothing, household expenses $ 100.00
  Credit cards and other loans: $
  Other expenses: $

paying off credit card

I'm paying off a high interest credit card. I'm Active Duty Airforce and have been in the service for 17 years. I want to stop paying these outragous intrest rates banks are charging now days. I plan on paying about 350 a month. I am married as well and we manage our money very well, but it's time to get ahead and think about the future.

Consolidation

Purpose of loan:
This loan will be used to consolidate high interest credit cards.

My financial situation:
I am a good candidate for this loan because I pay all my bills on time and if someone borrowed money from me I would want them to do the same.

Monthly net income: $ 3092

Monthly expenses: $ 2506
  Housing: $ 2141
  Insurance: paid for year
  Car expenses: $ 65 prosper loan
  Utilities: $ 0
  Phone, cable, internet: $ 0
  Food, entertainment: $ 0
  Clothing, household expenses $ 0
  Credit cards and other loans: $ 300
  Other expenses: $ 0

Pay off high interest credit cards

Purpose of loan:
This loan will be used to?
Pay off high interest credit cards and get rid of them forever!!
My financial situation:
I am a good candidate for this loan because?
I have owned my own construction business for 15 years that has earned a very good reputation because of our honesty, integrity and always fullfilling our promises
Monthly net income: $ 16,600

Monthly expenses: $
  Housing: $ 2600
  Insurance: $ 90
  Car expenses: $ 580
  Utilities: $ 250
  Phone, cable, internet: $ 120
  Food, entertainment: $ 300
  Clothing, household expenses $ 300
  Credit cards and other loans: $ 2200
  Other expenses: $ 2000

start a business

Purpose of loan:
This loan will be used to? start a business

My financial situation:
I am a good candidate for this loan because?i am going to make money and pay off the loan as quickly as possible 

Monthly net income: $3000

Monthly expenses: $
  Housing: $ 1130
  Insurance: $
  Car expenses: $
  Utilities: $ 100
  Phone, cable, internet: $ 100
  Food, entertainment: $150
  Clothing, household expenses $
  Credit cards and other loans: $
  Other expenses: $

Pay off car & HIGH int. loans

Purpose of loan:
This loan will be used to pay off my car loan which was obtained with a high interest rate as well as 2 very high interest, payday like loans. After my divorce I resorted to bankruptcy to help me make a fresh start. Subsequently, the only loans I was able to get were high interest ones. I needed a car for work so I purchased a new one. That way dependability wouldn't be an issue. But the interest rate was high. As of today, my car loan balance is $15446 (payment $542.37/month.) At the time, all 3 of my children were in college and I was unable to get Parents Plus loans to help them because of the bankruptcy. I resorted to 2 high interest loans for that. These 2 loans especially have really been dragging me down. With interest rates of 96% the balances never seem to go down. The first loan with Brookwood Lending still has a balance of $1338.66 (payment $237.44/month.) The second loan is with Cash Call and still has a balance of $1966.88 (payment 216.55/month.) I really need to get rid of these 3 debts. A Prosper loan will save me at least $200 monthly and stop the cycle of balances that never go down. I do not intend to pay off my Prosper loan early.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time. This and I have very good job security. I am a nurse and have worked continuously in this occupation since graduating from nursing school in 1988. Unfortunately Prosper only allows the inclusion of one job in it's listing however I have 2. It is true that I have only been with my current primary employer for 8 months but I have been working part time at another institution for 9 years. My previous primary employer was a travel nurse company. I was with them for 3 years. When I decided to stop doing travel nursing I was hired by my current full time employer. As a nurse, the opportunities are many and with the nursing shortage projected to get worse, I will never be unemployed. 


Monthly net income: $33000

Monthly expenses:
  Housing: $700
  Insurance: $300 (auto and health)
  Car expenses: $200 (this includes tolls and gas for work)
  Utilities: $200
  Phone, cable, internet: $250
  Food, entertainment: $300
  Clothing, household expenses $150
  Credit cards and other loans: $1106.36 (includes car loan, 1 credit card and the 2 high interest loans)
  Other expenses: $

Paying off my credit cards

Purpose of loan:
This loan will be used to pay off very high interest credit cards.

My financial situation:
I am a good candidate for this loan because I pay all my loans and credit cards now, on time. Karma has gathered very positive information of my creditworthiness. I respect the privilege of being given loans/credit. I know that since I pay these high interest cards and minimal amounts go toward the principal and won't amortize for 10-15 years, I will have no problem paying a loan that actually closes out in 36 months.

Monthly net income: $4920.00

Monthly expenses: $4249.00
??Housing: $1809.23
??Insurance: $150.00
??Car expenses: $344.69
??Utilities: $328.73
??Phone, cable, internet: $217.83
??Food, entertainment: $300.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $900.00
??Other expenses: $100.00

Home Improvement - PLEASE READ!

Purpose of loan:
This loan will be used to?   My fiance and I bought a new house back in 2007 and we need to finish the backyard!  The yard is about 1/2 acre.  I paid off my first loan with Prosper within a year.  This will be my second loan. My total outstanding debt is about $2,500 and my fiance debt only includes the home (I am not on the loan).    I work for Boeing as a Project Manager leading a software program working on the 787.

Monthly net income: $
5,000
Monthly expenses: $
  Housing: $ 1000.
  Insurance: $ 75
  Car expenses: $ 100
  Utilities: $ 100
  Phone, cable, internet: $ 75
  Food, entertainment: $ 300
  Clothing, household expenses $ 200
  Credit cards and other loans: $ 150
  Other expenses: $ 500

Paying down Credit Cards

Purpose of loan:
Pay down credit cards. I am currently going through a divorce and now an reliant on my income.  I want to pay down some credit cards so I can start building a buffer.  I have been very responsible and with the divorce I don't have the extra cash to pay them down immediately.  Things will improve after January, but until then I want to make sure I reduce some of my credit card debt.

My financial situation:
I am a good candidate for this loan because I already have a Prosper loan that will be paid off at least two months early because I have been paying ahead plus I plan to pay this one off early as well.  Going through a divorce so things are tight till the end of the year.  Unfortunately my credit score isn't the greatest from mistakes years ago, but I have been extremely responsible in the last 6 years paying my bills on time.

Monthly net income: $4000

Monthly expenses: $
  Housing: $ 1050
  Insurance: $ 90
  Car expenses: $465
  Utilities: $ 100     
  Phone, cable, internet: $120
  Food, entertainment: $ 250
  Clothing, household expenses $30
  Credit cards and other loans: $ 400
  Other expenses: $ 0

paying off credit cards

Purpose of loan:
This loan will be used to? payoff some credit cards    

My financial situation:
I am a good candidate for this loan because? I am not delinquint on anything and i want to help my mother with some of her debt due to doctor bills from a brain tumor. 

Monthly net income: $ 1800-2000    

Monthly expenses:1400  Housing: $ 0 girlfriend covers mortage
  Insurance: $ 70.00    
  Car expenses: $ 100.00 in gas and maintanance
  Utilities: $ 100 power bill    
  Phone, cable, internet: $ 96.00 dish network

  Food, entertainment: $ 135.00 country club dues 250 in food
  Clothing, household expenses $ 150
  Credit cards and other loans: $ 450
  Other expenses: $ 0

putting in new floor

Purpose of loan:
This loan will be used to? putting in new floor

My financial situation:
I am a good candidate for this loan because? because my new business is showing profits.

Monthly net income: $ 66,900.00

Monthly expenses: $
  Housing: $ 835.00
  Insurance: $ 275.00
  Car expenses: $ 398.00
  Utilities: $ 200.00
  Phone, cable, internet: $ 49.00
  Food, entertainment: $ 100.00  Clothing, household expenses $
  Credit cards and other loans: $ 150.00
  Other expenses: $

Time To Consolidate Loans!

Purpose of loan:
This loan will be used to consolidate all my financial obligations into one low monthly payment.

My financial situation:
I am a good candidate for this loan because this is my second loan from prosper and I have kept up with all my payments on that loan. Now that I have graduated from college I want to tie up some loose ends in my finances so I can get ready to start my family with a clean slate.

Monthly net income: $ 2800

Monthly expenses: $ 1270
  Housing: $ 0
  Insurance: $ 50
  Car expenses: $ 40
  Utilities: $ 0
  Phone, cable, internet: $ 60
  Food, entertainment: $ 40
  Clothing, household expenses $ 40
  Credit cards and other loans: $ 1000
  Other expenses: $ 40

Credit Card Payoff

Purpose of loan:
This loan will be used to pay off a credit card that I used to support me and my daughter during my divorce. 

My financial situation:
I am a good candidate for this loan because I can afford to pay more than the minimum on my credit card every month, but I HATE paying the credit card company interest. I'd rather pay the interest to an individual investor than to a company that is asking taxpayers for a bailout. 

Paying Off Credit Cards

Purpose of loan:
This loan will be used to consolidate 5 high rate credit cards into one payment.

My financial situation:
I am a good candidate for this loan because i have consistently paid $1,350 a month for these five cards.  By securing this loan and a lower rate than the $25-29% charged by the credit card companies, I can maintain my payment history while reducing the payment amount needed monthly to satisfy these credit cards.

Monthly net income: approximately $18,000

Monthly expenses: $
  Housing: $ 2600
  Insurance: $ 200
  Car expenses: $ 708 
  Utilities: $ 600
  Phone, cable, internet: $ 200 
  Food, entertainment: $ 700
  Clothing, household expenses $ 700 
  Credit cards and other loans: $ 1500
  Other expenses: $

PUTTING ADDITOIN ON HOUSE

Purpose of loan:
This loan will be used to? ADDITION TO MY HOME

My financial situation:
I am a good candidate for this loan because? WILL PAY BACK

buy a mobile home

Purpose of loan:
This loan will be used to living improvement.

My financial situation:
I am a good candidate for this loan because I have a stable income (employee of South Dakota State University), very good credit score. I have never paid my loans passed due date. I will be able to pay back loan within the term period.

Purchase a commuter motorcycle

Purpose of loan:
This loan will be used to?

Purchase a used motorcycle that will be used for my 150 mile a day commute. My wife and I are both active duty Coast Guard and have been stationed 100 miles apart, we purchased a house closer to her base so one of us could be close to where our two daughters are going to school. We purchased our house in 2006 and since then have had to invest over $40,000 in much needed repairs and to repair damage to the house the home inspector failed to notice. I had applied for a loan through my bank and a local credit union only to be disapproved. My Credit is very good, I have no late payments or missed payments on my credit report as well as no negative remarks. The reason I was given for my credit application being disapproved is a motorcycle is now considered a luxury item by the banks and the amount of credit I do have and the high balances. Recently several creditors have lowered my limit to just above the amount I owe which in turn makes things look even worse. Both my wife and I are at our 17 year mark in the Coast Guard, my wife will retire at the 20 year mark and I plan on staying in for 30 years. We have a financial plan in place to be credit card debt free in under 5 years and both our vehicles will be paid off as well.. The purchase of this motorcycle would greatly help in our monthly expenses as I am paying over $360 per month in gas right now and with a motorcycle for my commute it would cut that to under $125 per month and keep my vehicle from absorbing all 40,000 miles a year I drive to and from work. I plan on having this loan payed off in 18 to 24 months.My financial situation:

Assistance in Purchasing SF Home

Purpose of loan:
This loan will be used to assist me in buying my personal residence.  I have to buy this property with cash as it is a foreclosed property that is being auctioned at the county courthouse.  I have been in this property and have ran comps in the neighborhood (I am very familiar with the area already).  My realtor was in the house when it sold in 2006 and gave me a good estimate of the value based on today's market.  The house is in very good condition only needing some minor cosmetic work (painting some rooms, replace a basement window, and landscaping throughout), all which are going to be done by myself.  I own fifteen rental units and have just rented out the unit I have been living in for the past two and a half years.  My plans are to acquire this house and obain traditional financing or take a home equity loan out on the property once it is in turn key condition.  The main reason I am looking to buy a single family home is to have a backyard for my four month old german shepherd.  He needs a lot of exercise, and it's hard to get him all the exercise he needs when he doesn't have a backyard to run around in.  Unfortunately, none of my rental units have a backyard big enough for a dog to enjoy.
My financial situation:
I am an excellent candidate for this loan because I have very sufficient income to cover all of my expenses and I have never been late on any payments.  I manage my portfolio of five investment properties (fifteen rental units all fully rented with one year leases) that hold a net equity position of $165,000 and produce net monthly cash flow of $3,225 as well as preparing tax returns for my clients throughout the year.  I have $40,000 between my checking and savings accounts.  I also have intentions of paying this loan off much sooner than the standard term of three years.  The property that I am intending on purchasing will have a market value of $140,000 with minimal work, based upon the comps my realtor ran on the subject property. I plan on holding the property for several years, if not longer, before I sell it or rent it out.  I will have a great chance of financing it through a bank at 50%-60% of it's maket value after I have done the small amount of repairs that are needed and intend to pay off all my credit card debt as well as any remaining balance on the loan through Prosper. 

Orthodontics and final CC Payoff

Purpose of loan:
This loan will be used for orthodontics for two of my daughters as well as pay off a final credit card.

My financial situation:
I am a good candidate for this loan because I am already paying more than this loan would be monthly.  I currently have another Prosper Loan that I have paid on time every month since July of 2008.   In October 2007, we signed up with a debt settlement company.  At that point we had never missed a payment and had a good credit score in the low 700s.  We just had too many payments due to job loss in 2004.  The debt settlement company instructed us to stop making payments so they could help us settle.  At that time I did not know what it would eventually do to us.  I withdrew from the settlement company and began to contact the credit card companies.  I have paid off several with the previous Prosper loan and I have a few more to payoff that I have been making monthly payments on.  I wanted to clear up the credit score that is not so good any longer.  It is not because we are not making our payments, but because of the poor choice we made with the debt settlement company.  Please consider this loan.  We do make our loan payments, house payments, and credit card payments.  We just want to finally have everything paid off with these companies.  Please review the existing Prosper loan that is in good standing.                                     Monthly net income: $ 3200.  This is my income only.  It does not include my husbands income of $4600.

Monthly expenses: $
  Housing: $ 835, which my husband pays out of his check.
  Insurance: $ 65
  Car expenses: $ 239
  Utilities: $ 130
  Phone, cable, internet: $ 145
  Food, entertainment: $ 400 for a family of 5
  Clothing, household expenses $ 75
  Credit cards and other loans: $ 400, which will be paid off with the loan.
  Orthodontia Monthly:  $340, which will be paid off with the loan.

Opening a new grocery store

Purpose of loan:
This loan will be used to? open a new location in town I already own two restaurants. Im opening a grocery store in a area with thier is no competition.

My financial situation:
I am a good candidate for this loan because? I will try to pay this loan by 01-31-10. My income will and can handle this loan with no problem.

Paying for College

Purpose of loan:
This loan will be used to? help pay for the expenses of living and attending college.

My financial situation:
I am a good candidate for this loan because? I am a trustworthy individual with and I will have a work study position as soon as school starts, and I am currently interviewing and applying for jobs on a daily basis.

Monthly net income: $ 1000

Monthly expenses: $
  Housing: $400   
  Insurance: $ 170               
  Car expenses: $ 50
  Utilities: $ 30
  Phone, cable, internet: $ 170
  Food, entertainment: $ 100
  Clothing, household expenses $ 15
  Credit cards and other loans: $ 50
  Other expenses: $ 0

Paying off a payday loan

Purpose of loan:

This loan will be used to pay off my payday loans.
I would like to pay off these loans at a very high interest rate for good and determined not to used it again.

My financial situation:
I am a good candidate for this loan because I have already had one prosper loan that is in good standing.
Although I have had credit issues in the past (too many inquiries and high balance on CC), I do have an excellent and secured job.
I have been employed with the City for almost 3 years. I plan on paying this off within a 12month period.
Thank you for your consideration.
 
Monthly net income: $ 3900

Monthly expenses: $
  Housing: $ 700
  Insurance: $
  Car expenses: $ 400
  Utilities: $
  Phone, cable, internet: $ 100
  Food, entertainment: $ 500
  Clothing, household expenses $
  Credit cards and other loans: $ 1300
  Other expenses: $