Consolidate credit card debt

Purpose of loan:
This loan will be used to consolidate two credit card balances.  I would rather let you benefit from the interest than the big banks.

My financial situation:
I am a good candidate for this loan because this will be my second loan from prosper.com.  My first loan was used to consolidate debt and reestablish my credit rating after filing bankruptcy.  My prosper credit grade jumped from an "E" to a "D".  After repaying my auto loan on time for over 18 months and having no late credit card payments, now I'm a "C"!  I hope to further improve me credit score by repaying this loan on time.

Monthly net income: $ 2516

Monthly expenses: $
  Housing: $ 425
  Insurance: $ 109
  Car expenses: $ 340
  Utilities: $ 150
  Phone, cable, internet: $ 120
  Food, entertainment: $ 450
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 200
  Other expenses : $ 200


Average total monthly expenses $2100 leaving me with approx $416 to pay down debt with.  I have been using my excess cash to pay down my car loan.  I will continue to do that while paying back this prosper loan.  I like to keep my credit cards paid off.  Thank you so much for your consideration.

auto repairs, kitchen set.

Purpose of loan:
This loan will be used to? Pay for some needed repairs for my automobile.
My family definitely needs a new kitchen set.

My financial situation:
I am a good candidate for this loan because? Because i know that i,ll be able to
pay off the loan in time.
  Also I,ve been employed by the united states postal service for twenty years plus.

Monthly net income: $ 3,000

Monthly expenses: $
  Housing: $ 700
  Insurance: $ 60.00
  Car expenses: $ 80.00
  Utilities: $ 160.00
  Phone, cable, internet: $ 172.00
  Food, entertainment: $ 500.00
  Clothing, household expenses $ 50.00
  Credit cards and other loans: $ 625.00
  Other expenses: $

Alameda home sale- bridge loan

Purpose of loan:
This loan will be used to pay storage and move-out expenses required to sell our City of Alameda home this fall. We are downsizing to reduce our expenses and are selling our home to be more flexible. We expect to clear $100K after paying off our mortgage lender and all of our other obligations (home equity line of credit, credit card bills).
We anticipate completing the sale before 12/31/2009 with early repayment of this loan when we close or soon after we close.
Our financial situation: Our freelance marketing writing business has suffered along with the fortunes of our high-tech clients since 2002 and we need to reduce our expenses, housing being the largest of them. We would like to avoid unnecessarily losing any equity through either a short sale or foreclosure, and need help for two or three months to prepare. market, and sell our home.
We are a good candidate for this loan because: We owe $200K less on our mortgage than our home's expected (realistic) selling price of $600K. It is in Alameda's best neighborhood, with great schools nearby, and the house should sell well according to several experienced real estate brokers. We are NOT "under water" on our mortgage but we have recently had difficulty making our monthly payments since losing work last fall. We have invested almost $100K in improving our home, including extensive seismic retrofitting, double-insulated windows, new 200A electrical service and wiring, a new 95% efficient gas furnace, and a new hot water heater.

Purchase plane ticket for finacee

Purpose of loan:
This loan will be used to help purchase a plane ticket for my fiancee who lives in Kyrgyzstan. I want to bring her over here on September 6th. The ticket costs $1,083.32 I have almost half the money saved up and this loan will help facilitate the other half of the ticket.

My financial situation:
I am a good candidate for this loan because I already have one loan through Prosper of which all payments have been made on time and are current. Also this loan will be paid in full within a month or two. I already have half the money for the ticket and I only need assistance with the other half.

Monthly net income: $ 935.00

Monthly expenses: $ 366.16
  Housing: $ free (none)
  Insurance: $ 50.00
  Car payment: $ 129.06
  Utilities: $ none at this time. Rent and Utilities are free.
  Phone, cable, internet: $ 120.00
  Food, entertainment: $ 0
  Clothing, household expenses $
  Credit cards and other loans: ($ 1,505.47 prosper) ($ 4,520 Car loan)
  Other expenses: $ 0

Tool Distributor

Purpose of loan:
This loan will be used to?
I will use this loan to take the next step in the development of my skills and abilities. I have been accepted to be a mobile distributor  for Mac Tools. This company is a subsidiary of Stanley Tools. I have 12/twelve years of experience as a Mechanic. I am a Certified Saturn Technician and have experience working with GMC, Ford and Mercedes Benz. I currently sell Point of Sales equipment with 14 years of experience as an Computer technician. I have a wealth of sales experience and I look forward to applying this to this new and viable enterprise.

My financial situation:
I am a good candidate for this loan because?
This new opportunity will culminate and further the use of all of my life long knowledge. I am an Automotive Technician , a Computer Technician and just as important a born peddler or Salesman. I look forward to bringing all this together.

Monthly net income: $ 3400.

Monthly expenses: $
  Housing: $ 550.
  Insurance: $ 120.
  Car expenses: $ 30
  Utilities: $ 75.
  Phone, cable, internet: $ 100.
  Food, entertainment: $ 150.
  Clothing, household expenses $0
  Credit cards and other loans: $ 10706.
  Other expenses: $

pay off credit cards

Purpose of loan:
(explain what you will be using this loan for)
Pay off my other Prosper loan which has a balance around $1200 and a few other debts.
My financial situation:
(explain why you are a good candidate for paying back this loan)
I have a good steady income
Monthly net income: $2700 this includes deductions for heath and dental insurance
Monthly expenses: $
  Housing: $ 655
  Insurance: $ 100
  Car expenses: $ 150
  Utilities: $ 75
  Phone, cable, internet: $ 150
  Food, entertainment: $ 400
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 600
  Other expenses: $

Help my grandson's business!

My grandson?s company has been in business for 12 years now. He manufactures and sells an air freshener that is unique and still without competition both here in the USA and internationally.

At the end of last year began a string of obstacles that has been unfortunate and unexpected. He informed the family at Christmas that due to the global downturn his sourcing in China had closed. In February he started a small plastic injection molding facility in Los Angeles where he lives. He was going to make the plastic parts here and use his original pre-china US vendors for the remaining parts.

In March of this year he ran out of inventory to sell and the orders have been backing up since. Without the main product his cash flow has dried up. He had a partner who abruptly quit the company in April, and closed the company credit accounts for which he was the guarantor.

My grandson informed me that he was continuing on and looking for investors. He wrote a sound business plan. He showed me the open purchase orders of about $28,000 and the budget for the molds, parts and expenses to get back into production (totaling $19,000.) I told him I would gladly act as a guarantor for him to get his business back on track. I discovered prosper.com on NPR. I told him to look at prosper.com and he agreed that it might be a potential solution.

He has really put his heart into this business and people like his product. I am confident that he will be able to repay half of the money borrowed within 2 months and the rest within the year from his existing sales. I based this on his track record with me and his business plan. Tony is a good man who I know I can help by guaranteeing this loan.

paying for college

Purpose of loan:
This loan will be used to?

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

Monthly net income: $

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

add new product line for business

Purpose of loan:
This loan will be used to?purchase additional equipment needed to expand product line.

My financial situation:I am thankful my business is still doing well in an unstable economy. It is a 60 year old business and we would like to upgrade to sell sandwiches and salads to our bakery line. The area is growing with many doctor offices and within hospital area.
I am a good candidate for this loan because?I know that I can use it to allow my business to continue to prosper. We are a vital part of the community and very blessed.I have successfully owned my business for 20 years.

Monthly net income: $ 6000.00

Monthly expenses: $
??Housing: $2500.00
??Insurance: $100
??Car expenses: $0
??Utilities: $200.00
??Phone, cable, internet: $250.00
??Food, entertainment: $300.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $700.00
??Other expenses: $

Paying off my credit card

Purpose of loan:
This loan will be used to pay off my Chase credit card.  I have been a very good customer of Chase for about 5 years and the highest interest rate that they were charging me was 7.99%.  I did not have any late or missed payments and last month they still decided to jack up my interest rate to 14.99%!  Upon calling customer service they said that I would need to pay off my entire balance and close the account if I was unhappy because they were not going to reverse this barbaric rate hike.  So that is what I intend to do.
My financial situation:
I am a good candidate for this loan because I have a very stable source of income and have never had a missed or late payment.

Debt Settlement

Purpose of loan:
This loan will be used to settle an existing debt, in which the creditor is currently demanding that I settle now, instead of accepting the payments that I have been paying them over the past year.

My financial situation:
I am a good candidate for this loan because over the past 2 years I have been successfully working towards paying down and eliminating my debt. I have closed all credit card accounts and have been living without using any credit for the past 2 years. I am only currently seeking a loan because of the demands of this single creditor.

Monthly net income: $4,990.00 After Taxes (and I can prove it)

Monthly expenses: $
??Housing: $650.00
??Insurance: $175.00
??Utilities: $150.00
??Phone, cable, internet: $150.00
??Food, entertainment: $700.00
??Clothing, household expenses $500.00
??Credit cards and other loans: $1,100.00

Optometry Student buying Equipment

Purpose of loan:
This loan will be used to purchase a binocular indirect-ophthalmoscope (BIO). I just got the opportunity to practice my clinical skills working under a local OD in an eye doctor's office for the remainder of this summer, but I need my own BIO. Normally I would be buying this in October (with student aid funds I will be receiving in mid-August), but the office does not have an extra for me to use, so I need to get my own now. A BIO is used to visually examine the back of the eye, the retina.

My financial situation:
I am a good candidate for this loan because I have guaranteed income from my part-time job in a research lab at the IU School of Optometry that pays roughly $15 / hour. I also own my home and rent out a bedroom to a classmate for $450 / month.

Monthly net income: $2250

Monthly expenses: $1500
??Housing: $550
??Insurance: $60
??Car expenses: $30
??Utilities: $60
??Phone, cable, internet: $115
??Food, entertainment: $250
??Clothing, household expenses $150
??Credit cards and other loans: $60
??Other expenses: $200

Marketing for Grand Opening

Purpose of loan:
This loan will be used to?finance a grand opening marketing plan for a children's indoor inflatable playground.  The business caters to children ages 2-12 with birthday parties and open play.  Schools and group fundraisers and other activities can also be held in the center.  We feature large themed inflatables as the attraction.  After a set play period in the arena jumping, climbing and exploring, the children sit in a private party room for food and refreshments.  The grand opening marketing plan includes a multi-media approach using direct mail to consumers ($4,000), Disney radio ($3,000), local print ($3,750) and an extensive grass roots campaign with realtor type signs and banners($2,000).  A direct mailing to school administrators, Parent Faculty Associations and daycares will also be a major focus of the plan ($1,000).  If we are successful in raising funds, we will also add a short billboard campaign to the mix ($2,250).  Unfortunately, due to the economy and being a start-up business, the media demands up front payment in full for all advertising.  We need those funds for operations.

My financial situation:
I am a good candidate for this loan because? we have a solid business plan for the business.  It's a young up and coming franchise operation with a solid marketing approach and a fiscally conservative business plan.  In our market there's only one competitor  and that's a major national chain which has been around a long time.  However, that advantage is also a disadvantage for them, because children and parents are looking for someplace new and different to celebrate birthdays.  My personal financial situation is very solid with my wife and I having excellent credit.  We have several investment properties and we are surviving the big real estate crash with solid rentals and popsitive cash flow.  In a short time, I have built a decent income through my Property Management business as a a Realtor which along with my wife's income as a full time registered nurse gives us the luxury of building the new business without having to draw personal funds from the start-up venture.  We did have an SBA loan committment at one time, however, the bank pulled the funding due to their cash crunch problems.  A further search for additional funding from financial institutions has proven fruitless.  At this point we have financed the entire start-up of the business so far through personal savings because we strongly believe in the concept.  Since we do not have a business loan, we can use that cash flow to pay back the money loaned to us through Prosper.com.

Business Loan Cash Flow

Purpose of loan:
This is an excellent investment opportunity at a premium loan rate with 100% loan payback.

The purpose of this loan is to provide working capital to start but more importantly to run a business. I would be a dealer/distibutor and represent various manufacturers from around the country selling trade show exhibits, graphics and promotional products to businesses and organizations that go to trade shows. This is a busines to business selling environment. I act as a consultant to businesses, advising them on how to exhibit at trade shows. make recommendations on exhibits to consider for purchase or rental and facilitate the sale of these exhibits and graphics to the businesses I am working with. I make my money by acting as a middle man where I purchase the exhibits and graphics from manufacturers and in turn resell these products to the businesses I am consulting for. Profit margins are very good. I have been doing this type of work for over 13 years working for two companies in that time frame. It is now time for me to branch out and start my own business using the above business model. I have a good client list that I bring with me and will immediately generate revenue and income. So the loan goes for start up costs(very low) and for making purchases from manufacturers of exhibits and graphics(primarily) that I will resell. I have very good, well established relationships with these manufacturers already. So I am not starting from scratch but rather continuing on but now I will be working entirely for myself and not anybody else. With this loan I will establish my own company and be able to get things rolling which will take four months or less to get cash flowing and realize operating income.
My financial situation:
My ability to repay the loan on a monthly basis is very good. I have the usual expenses, house, car payment, etc. but I only have one credit card with about $2500.00 on it. After the first month or two, I would pay for the loan out of revenue generated by the business and continue so until repaid. I do have a blemish(not recent) on my public record where I filed for bankrutpcy back in 2002. It was discharged. I have been able to rebuild my credit standing since then and have learned from my mistakes. I believe I am an excellent credit risk as the revenue I generate from the business will easily cover my expenses, this loan included and my revenue and expense projections indicate I will be in the black after just a couple of months and from there on out.

Consolidating Final Family Debt!

Purpose of loan:
This loan will be used to pay off the remainder of my debt so that we can settle down, get married and start a family.
My fiancee and I have a 2 year old son and we are looking to pay off our debt so that we can finally set a date and get married.

My financial situation:
I am a good candidate for this loan because I have proven that I repay my debt through my previous Prosper loan.
I am a full-time Staff Accountant, currently sitting for his CPA in the state of New Jersey.
We are a new family, with one child; 2 years in age and we feel comfortable we can repay this debt.

Monthly net income: $ 4,250

Monthly expenses: $ 2,990
  Housing: $ 1470
  Insurance: $ 95
  Car expenses: $ 230
  Utilities: $ 150
  Phone, cable, internet: $ 125
  Food, entertainment: $ 300
  Clothing, household expenses $ 150
  Credit cards and other loans: $ 300 (To be removed if loan is filled.)
  Other expenses: $ 100

Paying off my credit cards.

Purpose of loan:
This loan will be "solely" used to consiladate ALL of my credit card and retailer revolving debt.

My financial situation:
I am a good candidate for this loan because I understand the benefits to eliminating any revolving debt.  I just returned from my third deployment from Iraq and invested my 28,000 dollar signing bonus into some stocks to include Coal, Oil, and Geothermal companies, but as everyone knows now with how everything has turned out it would be stupid to sell now.  But while I wait, the money that would have paid everything off is going to take some time to build back up and meanwhile im paying money on top of money that I shouldn't.  Should I be able to pay all these off I would close all accounts and rely on one much smaller limit rewards card.  I Implore anyone who will assist me as I have always made my payments on time and over the minimum, its just not enough right now when combined its a total 7 payments with an average of 20 percent interest.

Monthly net income: $ 6,000

Monthly expenses: $
  Housing: $ 700.00
  Insurance: $ 100.00
  Car expenses: $ approx 600.00  <---- like to pay extra    
  Utilities: $ none
  Phone, cable, internet: $ 130.00
  Food, entertainment: $ 200.00
  Clothing, household expenses $
  Credit cards and other loans: $ 400.00
  Other expenses: $ mortage 1365.00

Just need a month to get caught up!

Purpose of loan:
I am currently a senior at Eastern Washington University majoring in economics and double minoring in anthropology and business with Honors College designation. I went on a leave of absence for the summer so I could accept an unpaid summer internship doing research for Washington State University's College of Pharmacy. I thought I could skim by on what little savings I had, but am now out of funds. I am asking for the minimum loan amount of $1,000 to survive on until September when school starts back up. At that point, I will be able to get caught up on bills, including this loan, as I resume my previous job and receive student aid.

My financial situation:
I am a good candidate for this loan because I am interested in my credit worthiness and although I had problems in my youth, I haven't had a late payment in years.  Now that I am 31 and finishing my second college degree, I am more responsible in using credit and loans.  I am a full time student, but also typically work full time doing IT work.  My credit rating says I might be a risk, but is related to past mistakes (years ago) and doesn't define who I am today.

Monthly net income: $ 1400

Monthly expenses: $ 1000
  Housing: $ 225
  Insurance: $ 75
  Car expenses: $ 260
  Utilities: $ 35
  Phone, cable, internet: $ 45
  Food, entertainment: $ 200
  Clothing, household expenses $ 10
  Credit cards and other loans: $ 150 (including title loan)
  Other expenses: $ 0

Helping Girlfriend Move Back Home

Purpose of loan:
This loan will be used to help my girlfriend move back to the US from Mexico as well as pay off a bill I have.  She is from here, but moved with her family and is now coming back here in a week and a half

My financial situation:
I am a good candidate for this loan because I am a previous prosper borrower that hasn't been late once.  I always pay my bills on time and before the prosper changes I was also a lender.
Monthly net income: $ 2400

Monthly expenses: $
  Housing: $ 450
  Insurance: $ 80
  Car expenses: $ 0
  Utilities: $ 50
  Phone, cable, internet: $ 150
  Food, entertainment: $ 150
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 800
  Other expenses: $

Debt Consolidation

Purpose of loan:
This loan will be used to pay off 2 credit cards that I have with very high interest rates.   A few years back, I sought the help of a debt consolidation company not knowing how they worked and now i am paying for it.  I stopped using them and started making payments on my own.  The credit card companies closed the accounts and are charging me ridiculous interest rates and wont lower them.  I am looking for money to pay these off and would rather pay back someone besides the credit card companies.

My financial situation:
I am a good candidate for this loan because I am a hard worker and have been on my same job for 14 years.  These are really the last two big things I need to pay off and then there are a few other little cards and then the car and i will be done.

Monthly net income: $
3800.00

Monthly expenses: $
  Housing: $ 1000     
  Insurance: $ 150
  Car expenses: $ 400
  Utilities: $ 150
  Phone, cable, internet: $ 100
  Food, entertainment: $ 300
  Clothing, household expenses $ 150
  Credit cards and other loans: $ 400( including the two im paying off)
  Other expenses: $ 250

NOT A HR LOAN.....680 CREDIT SCORE

Purpose of loan:
This loan will be used to? Take a few courses at my local college.

My financial situation:
I am a good candidate for this loan because.... I will pay back this loan early and the lenders on prosper can make a decent interest rate with no risk. The HR rating I have is very unfair because I pay my bills and I have very little debt. The 2 delinquent accts that prosper is showing are being resolved at this time. One is a doctors bill for 72.00 that the insurance co. should have paid...The other is a libary acct for 40.00. I'm trying to get the libary to remove this because I don't have any overdue books outstanding.

Monthly net income: $ 34944 yearly

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

auto repairs

Purpose of loan:
This loan will be used mostly to pay for auto repairs to get me to and from work and my daughter to and from school. Remaining money left over will be applied back to the loan immediately. Making me an even better candidate for the loan.
My financial situation: I am a good a good candidate because I have a good payment history with prosper and other bills. Currently going to school to learn a new trade to make  a better income. 

Monthly net income: $ 2200
Monthly expenses: $
  Housing: $
  Insurance: $
  Car expenses: $
  Utilities: $
  Phone, cable, internet: $
  Food, entertainment: $
  Clothing, household expenses $
  Credit cards and other loans: $
  Other expenses: $

Buying a Used Car

Purpose of loan:
This loan will be used to buy a reliable used car that will get me from point A to point B without any problems . I currently do not own a car so I use public transportation to commute to work (and school when I go back in august). Having a car would significantly cut down on the down time I have waiting for buses and as fares seemingly rise every year, public transportation simply is not worth it.

My financial situation:
I am a good candidate for this loan because I pay all my bills on time. I never fall behind on any kind of payments I have to make and I am a very reliable and responsible person in general.

I work between 30-40 hours a week and go to a community college taking about 2-3 classes a semester.

Monthly net income: $900

Monthly expenses: $475
credit card: $200/mo
cell phone: $85/mo
satellite: $75/mo
bus fare: $45/mo
internet: $40/mo
house phone: $30/mo

3rd prosper loan! Not an HR

Paid off first 2 loans + active Lender = you get your money back. I'm an active participant in this system. Had about $2K invested before prosper went into its quite period.
I'm dedicated to paying off my debt. I haven?t made a credit card purchase in over 8 months and have eliminated over 6k of revolving credit!

I have a proven track record of repayment in this system (NEVER BEEN LATE!).

I?ll try to explain why I think they labeled me as an HR. After I finished my remodel I had two lenders falsely report incorrect data to the credit card bureaus, both of which are fixed now. During this time my credit cards lowered my available credit in somewhat of a domino effect. With each lowered limit my bank card utilization went up, and thus the others followed suit and here I am?..

I hate debt. I'm a computer programmer. Go look as to what profession has one of the lowest default rates........Programmers!
I'm anticipating my credit inquires to be high. I?m refinancing my house payment and inquired to 3 different lenders to get the best rate.

I pay more to this card now that what my proposed payment would be. My wife and I have credit scores of 691 (me) and 688(wife).

My wife works for the YMCA as the Youth Sports Director($28K).

Mortgage owner of a tri-plex bought in May of 07. All units are currently rented.

Our loan is an 80/20.Payment for the 80 is 1071.51
Payment for the 20 is 271.17
Total = $1343.68
Rent for the units is $500, $525 and $600

We actually round up on our payments to $1100 and $300, just to keep it simple.

Monthly net income: $ 4017 (only my income, and does not include rental income)

Monthly expenses: $
Housing: $ 1207.85
Insurance: $ 610 every six months ($101.66 a month)
Car expenses: $ 210
Utilities: $ 150
Phone, cable, internet: $ 75
Food, entertainment: $ 200
Clothing, household expenses $ 50 ( I'm not a clothes horse)
Credit cards and other loans: $ 155 student loan
Lowes - $1800 @ 17.99%.
Home Depot $5159.61 @ 17.99%.
HSBC $2400 @ 6.99%.
Chase - $5400

Even If this doesn?t get funded, I won't be heartbroken. Just want to help system get going again. :)
Fire away with questions. I had a more detailed listing about 20 minutes ago before the site auto-logged me out. :(?

Business Use-Advertising

Purpose of loan:
This loan will be used for cash flow to advertise. 

My financial situation:
I am a good candidate for this loan because our business is on track and growing. 

Monthly net income: $ 10,200

Monthly expenses: $
  Housing: $ 1,692
  Insurance: $ 815
  Car expenses: $ 820
  Utilities: $ 450
  Phone, cable, internet: $ 100
  Food, entertainment: $ 1,200
  Clothing, household expenses $ 250
  Credit cards and other loans: $ 2,600
  Other expenses: $ 200

Working Capital

Purpose of loan:
This loan will be used to? provide working capital to include inventory, supplies, equipment, etc. for my new business.

My financial situation:
I am a good candidate for this loan because? I have a stable credit and employment history and I am starting a new business which I already have sufficient industry experience.  I do light sales in this business now and I have seen profits.  I am now ready to take it to the next level.  this business will generate revenue to repay all obligations, but it is backed by me personally.

Monthly net income: $ 3300

Monthly expenses: $
  Housing: $300    
  Insurance:$300 
  Car expenses: $600
  Utilities: $225 
  Phone, cable, internet: $150 
  Food, entertainment: $250 
  Clothing, household expenses $200
  Credit cards and other loans:$200
  Other expenses: $0

100% PAID BY MARCH 2010

Purpose of loan:This loan will be used to? pay off open credit cards that are in my name only.. and pay off a personal loan in the amount of $ 7,000.00.   to be able to make 1 payment a month instead of 8.  I would like to obtain a debt consolidation loan and clean up my own mess..  Please!!! Please!!  At this point I am not picky about the interest rate... 
Paying off these items will help my husband & i obtain funding when our son goes off to college in 2010.. 

My husband & I will be married 25 years in the year 2013.  My goal is to get myself financially able to purchase him a 1966 Ford Mustang as a surprise Annverisary present.  by obtaining this loan, I will be able to roll some items into one payment instead of 8..

the only reason is show up as HR is because of a business credit card that shows up in my name too..  It is always maxed out and paid every month.


thank you 

My financial situation:
I am a good candidate for this loan because? my husband pays for all the household expenses that are in both of our names..
We own a our own business and he brings home approx $120,000. Monthly net income: $ 2500 mine  12500 combined
Monthly expenses: $   
Housing: $   2,100 
 Insurance: $  150  
Car expenses: $  530   
Utilities: $  300 
 Phone, cable, internet: $  250 
 Food, entertainment: $  500 
 Clothing, household expenses $  150 
 Credit cards and other loans: $  810.00 
  Other expenses: $  100    (out of all these expenses i pay for 1,000 out of my check)
My 1st loan with proper was paid off in 6-7 months..  and this on will be paid in full by March. 2010. 

Thank you all for believing in me.

Welcome back Prosper!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Looking to spruce up my home

Purpose of loan:
This loan will be used to?
Assist in making some repairs to my home and paying off some bills.
My financial situation:
I am a good candidate for this loan because?
All my bills have been paid on time for the last 8 years. I do not believe in not paying my bills. I have always been meticulous about paying back on a timely basis. My credit cards in fact my credit report is a testament to this, every creditor shows pays on time.
Monthly net income: $ 2600

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

Paying off my credit card loan

Purpose of loan:
This loan will be used to pay off a credit card loan which charges me 23.9 % APR from August

My financial situation:
I am a good candidate for this loan because  I have never defaulted on any payments so far.

Monthly net income: $

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

4 DENTAL BILL - NO CREDIT CARD DEBT

Purpose of loan:
A whopping $1000/yr maximum dental insurance coverage is not covering all of the dental work my wife and I needed this year! This loan will be used to pay off my current high-rate Prosper loan which was taken to settle medical debt from LAST year ($3K + remaining) and new dental work this year. It seemed that this year my dentist dedicated one of his dental chairs specifically to us! 

My Prosper loan has been paid ahead and I've never missed a payment.

My financial situation:

I am a good candidate for this loan because I have had impeccable credit for the past four and a half years and my wife and I have worked hard to maintain this. Due to her losing her job in 2001 (post 9/11) and having emergency medical issues, we filed bankruptcy in 2005. Prior to that date - and since the date we filed - we have been totally current on ALL bills, and have rebuilt our credit (credit score is in mid-to-high 700's) My wife and I are government employees - she with the state, me with the federal government, and have stable, secure jobs. I've been with the Dept of Defense for 23 years, she with the state for 5 years. We've worked extraordinarily hard to pay off nearly all our debt, and would like to pay this off and cut our interest. With your help, I will be able to accomplish that goal!

I don't understand the Prosper scoring - my credit score is in high 700's, we have no credit card debt, and yet we're an HR. Go figure. My # of Inquiries is high because my "former" bank, Washington Mutual, was bought out by Chase, and they've done everything they could to destroy even the IDEA of customer service. We've left those bums and opened new credit union accounts, and closed our Chase accounts. Please give my request consideration any way! Even a payment at an HR score is considerably less than the current bill we have now.

Monthly net income: $ 4800
Monthly expenses: $
Housing: $ 1700
Insurance: $ 100
Car expenses: $700
Utilities: $100
Phone, cable, internet: $200
Food, entertainment: $ 300
Clothing, household expenses $300
Credit cards and other loans: $800 (Prosper loan and dental bill, credit cards paid off)
Daycare $400/month

Help to pay down credit cards

Purpose of loan:
This loan will be used to? pay down credit cards. My cards were run up after I lost my job a few years ago and took a big cut in my income. I have a son that is autistic and need to pay for his care. I am hoping for help to try and get ahead of the game a little bit here! My credit cards raised their rates and now the minimum payments are so high I am struggling to manage paying for his care and the bills.

My financial situation:
I am a good candidate for this loan because? I am doing very well at my current employer and should be getting moved up within the next year. I just need some help to make that gap close

Monthly net income: $ 4400

Monthly expenses: $
  Housing: $ 1200.00
  Insurance: $ 120
  Car expenses: $ 300
  Utilities: $ 500
  Phone, cable, internet: $ 150
  Food, entertainment: $ 400
  Clothing, household expenses $50
  Credit cards and other loans: $ 900
  Other expenses: $ 900 (child)

Rehab and Help the Community

Purpose of loan:
This loan will be used to rehab a two bedroom unit that was occupied for the last 16 years.  The previous owner did no repairs or updates and the occupant has just recently moved out.  This money will be used to replace cabinets flooring and shower surround in the bathroom and provide funishings for the next ocupants.  We have found a way to ocupy the unit and help the community.  This unit will be used to help nonviolent ex-offenders get back on their feet and become productive members of society again. 


My financial situation: 
I am a real estate investor that needs a small loan for a short term to get a room rent ready again.  If you look at my history I make all my payments on time my credit is not the best due simply to the number of inquiries on it, all of which were for business uses.   

Paying off credit cards

Purpose of loan:
This loan will be used to?
Pay off credit cards
My financial situation:
I am a good candidate for this loan because?
because I always pay my bills
Monthly net income: $
4500
Monthly expenses: $
  Housing: $ 950
  Insurance: $ 100
  Car expenses: $ 660
  Utilities: $ 80
  Phone, cable, internet: $ 100
  Food, entertainment: $ 200
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 450
  Other expenses: $ 0

Paying off my credit cards

Purpose of loan:
This loan will be used to? I will use this loan to pay off past and present debt. I've been making monthly payments but I want to end the payments. I will be able to pay back this loan in about two weeks. I had to borrow from my retirement two years ago to replace a car that was totalled. I will use the loan to pay that off and then borrow from my retirement the amount I need to pay off all I owe. My son has legal fees and is not currently working. My daughter had surgery without insurance and owes a lot. I just found out I made a mistake on my tax return two years ago and now owe back taxes. With this loan I will ba able to clear all ofthis up and still be able to pay back this loan in a short amount of time. thank you. 

My financial situation:
I am a good candidate for this loan because? I can quarantee that this loan will be paid off in a short time

Monthly net income: $ 3100

Monthly expenses: $
  Housing: $ 550
  Insurance: $ 120
  Car expenses: $ 153        
  Utilities: $ 90 average per month ( i don't have central air)
  Phone, cable, internet: $ phone 205, internet 40, dish 92
  Food, entertainment: $ 25 per week
  Clothing, household expenses $ 10 per week
  Credit cards and other loans: $ 110
  Other expenses: $

Finnish Getting Back ON TRACK

Purpose of loan:
This loan will be used to...consolidation debts to continue to get better a better credit rating.  I have been with prosper for 16 months now,  always been on time with payments, paid back almost half of that, roll that into this, and pay off some outstanding back accounts.  credit score has be improved about 30 points and want it improved by 100 pooints, so this needs to get done.

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

Monthly net income: $ 3700.

Monthly expenses: $
  Housing: $ 500
  Insurance: $ 120    

  Car expenses: $ 220
  Utilities: $ 100
  Phone, cable, internet: $ 100
  Food, entertainment: $ 250
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 200
  Other expenses: $ 100

Debt Consolidation

I am a past Prosper Borrower.  The last loan with Prosper has been completely paid off (in less than 3 years).  After moving in with my girlfriend into a new apartment, I've accrued a bit of debt on my credit cards in order to furnish the place.  The purpose of this loan is to consolidate my credit card debt at a lower rate.  I don't really need this loan to pay off my credit cards in reasonable time, but I'd like to be able to put more into savings at this time, while enjoying a lower interest rate. 

My current gross monthly salary is about $5441.  I have very little other debt or expenses other than my student loan payments of $162/mo and my cell phone bill of about $80/mo.  As you can see, my debt to income ratio is extremely low. 

Thanks for looking!

Temporary Funding

Purpose of loan:
This loan will be used to provide temporary funding until my
first time homebuyers credit arrives.

My financial situation:
I am a good candidate for this loan because I have maintained by current Prosper
loan, have purchased a new home, had an increase in my monthly income, and
will be able to pay this back as soon as my tax credit arrives.

Monthly net income: $ 2,083

Monthly expenses: $
  Housing: $ 454
  Insurance: $ 81
  Car expenses: $ 400
  Utilities: $ 100
  Phone, cable, internet: $ 75
  Food, entertainment: $ 200
  Clothing, household expenses $ 200
  Credit cards and other loans: $ 150
  Other expenses: $ 150

This loan is a bridge loan that will be used to provide
funding for bills and minor repairs to my new home until
my Tax Credit arrives, at which point this and maybe the first
Prosper loan will both be paid off.

Thank you

Paying off High Interest Credit Crd

Purpose of loan:
This loan will be used exclusively to pay down my high interest credit cards.  I am making monthly payments as expected but due to the high interest rates my balances is not going down as I would like.  I would like to decrease my debt to income ratio in order to purchase a home in the next few years but with the current interest rates that will not be possible.
My financial situation: 
I have been working as a contract employee in software as a business consultant with one company for the last 19 months and will be hired outright in the next month. 

Monthly net income: $ 5000.00

Monthly expenses: $ 3775-4000
  Housing: $ 825.00
  Insurance: $ 150.00
  Car expenses: $ 300.00
  Utilities: $ 50.00
  Phone, cable, internet: $ 150.00
  Food, entertainment: $ 500.00
  Clothing, household expenses $ 100.00
  Credit cards and other loans: $ 1500.00
  Other expenses: $ 200-300

Paying off credit cards

Purpose of loan:
This loan will be used to pay off all my credit cards.  I might not need all of this in which case I will repay part of the loan early.

My financial situation:
I am a good candidate for this loan because I have a Masters degree and have been teaching for about 10 years.  In the summer of 2006 I left my job to come help my mom take care of my dad after he had life threatening complications from a surgury.  He is fine now but since the ecomomy is down I haven't gotten back to full time work as soon I have hoped.  I have also started a small business doing consulting for wine vineyards, which should also increase my income.  Since I don't have 1 full calander year at my current job I don't have a w-2 that shows my full current income but I have pay stubs.  I also have $0 in monthly expenses since I have been living with my parents helping out with my dad.

Monthly net income: $ 1,200

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

Refinance Debt

This is my third listing.  I have completely paid off one small initial loan.  I have a current Prosper loan, and  you can see that I am current with it, have it on auto-pay and never miss a payment.  Now I would like to completely wipe that credit card debt out.   Let us pay the interest to you instead of being milked by the credit card companies!   My wife and I both are gainfully employed.  It has, however, been frustrating to know that we earn so much only to see it go into the interest on our cards.  We own a home and own one of our two cars outright.  We've pared down the cards we have.  Ideally, the Prosper payment, mortgage payment and one car payment would be the only payments we make month-to-month outside of the regular utility and food bills.  Our goal is to only have the Propsper loan and mortgage this year.

Thanks for helping us make this achievable!

My last listing just barely missed being financed.  I think need to add my total monthly payments to give you more information.  Also, when I asked my family to place a bid here, they lent me part of what we are looking for off the site.  Therefore, I am able to ask for about half what we were initially seeking and hopefully can get this one fully funded.

Monthly Payments:
Mortgage (w/insurance and taxes): 1500
Utilities/Phone/Cable: 300
Credit Card (until paid off, within the year): 500
Groceries: 250
Current Prosper Loan: 700
total: $3250 (July-2009)

Net Monthly Income: $4450

Fix my truck and pay bills

Purpose of loan:
This loan will be used to put a new clutch in my truck and pay back my previous loan.

My financial situation:
I am a good candidate for this loan because I am financially stable.  I have been working at the same job (different owners) for over 6 years.  I will use this loan to pay off my previous loan and fix my truck.

Remodeling Home

Purpose of loan:
Pay for a new roof to replace my 30-year-old one as well as replace siding that has rotted out.
My financial situation:
I am a good candidate for this loan because I have the means and cash flow to pay this off in a timely fashion. My roof has run out of useful life and needs to be replaced within a month. I have already received several bids and $6,000 will cover the expenses to replace both the roof and siding.

Monthly net income: $6,000

Monthly expenses: $
  Housing: $ 1600
  Insurance: $ 100
  Car expenses: $50
  Utilities: $ 100
  Phone, cable, internet: $ 150
  Food, entertainment: $ 100
  Clothing, household expenses $50
  Credit cards and other loans: $ 300
  Other expenses: $

Paying Off Cards and Repairs

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I have steady stable employment and will pay off this loan early. All of my past poor credit history was a result of my failed marriage, since getting out of the this relationship 2 years ago, I have been rebuilding my credit and reputation. I pay my bills ontime as it is a priority for me. I plan to use the money to Pay-off high interest credit cards and make repairs to my car and take a nice vacation this fall.
Monthly net income: $ 10,179

Monthly expenses: $
  Housing: $ 2100
  Insurance: $ 106
  Car expenses: $ 120
  Utilities: $ 100
  Phone, cable, internet: $ 150
  Food, entertainment: $ 200
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 500
  Other expenses: $

My 3rd Paid Loan with Prosper!!!

Purpose of loan:
This loan will be used to fund my Emergency Fund and to make Small Investments.  As you can see I have had two loans with Prosper and one I paid off early.  I am also several months ahead on my current loan.  I am a good investment for you and now after my main personal debt is very low  and my FICO socre is higher than it has ever been, I now will invest in my future and financial safety.

My financial situation:
I am a good candidate for this loan because as you can see, as I said above, I have paid off one loan in full very ealry, and I am ahead with the other.  I have a great paying job that is very, very steady.    I am also single, no children and almost no debt.  Also, please be it known that where Prosper says that I have been late on my loan payments....I have never been over the grace period porvided and I have always paid every single month on both loans and please note, again, that I have paid off one loan several months early and I am ahead on my second loan.

Monthly net income: $2,350
Monthly expenses: $2,260
  Housing: $ 595.00 rent
  Insurance: $ 150.00 car
  Car expenses: $ 175.00 (gax, etc.) car has been paid in full since last year.
  Utilities: $ 100.00 est.
  Phone, cable, internet: $ 115.00 comcast
  Food, entertainment: $ 350.00.00 + or -
  Clothing, household expenses $ 200.00
  Credit cards and other loans: $ 475.00 (this also includes this loan I am applying for today if approved).
  Other expenses: $ 100.00

Thank you for your time and consideration. I hope that you will consider my loan application and make a bid.  I will not let you down.