Increasing our Prosperity!

Purpose of loan:
This loan has an AA rating. Contribute the funds, and you'll have as close as you're going to get to a guarantee of getting paid back--with interest. Skip to "My financial situation" for details on that. Bid on me, and you get your return with very, very low risk. I have a higher tolerance for risk, so I want to go after the bigger returns of the higher-risk borrowers and other investments. I intend to reinvest at least half of this money back into Prosper, so the money you bid on this loan will wind up going to someone with more financial need than me, with me taking the risk.
What if I reinvest this money, and then lose it all?
That's my problem, not yours. Read the paragraph below my expense report, and you'll see that I already have a nice slot in my budget where I can put the payments on your loan to me, using my existing income.My financial situation:
I am a good candidate for this loan because?
I'm the type of person who actually keeps this spreadsheet, and has it up to date. 31st $1,853.83 Pay
1st ($1,300.00) Rent (Includes water, sewer, and trash fees.)
1st ($200.00) Roth IRA contribution
1st ($50.00) Irregular expenses
2nd ($125.00) Repay to Mom
10th ($85.12) Student Loan
10th ($65.00) Electricity & Gas
---- ---- Midmonth Total $28.71
15th $1,853.83 Pay
15th ($150.00) Furniture payment
15th ($250.00) Emergency savings
15th ($625.00) Transfer to interest checking (ING)
21st ($371.50) Student Loan
23rd ($438.13) Car payment
30th ($32.44) Internet
---- ---- Buffer left in no-interest checking (Chase) $15.47That $625 "Transfer to interest checking" is what I use to buy all the junk I want to buy, after I pay for gas and groceries and whatnot. It's my non-fixed expenses, or "plastic money" as I like to call it (because it's the money that pays the credit cards off at the end of every month). The $150 furniture payment is ending in September, so my repayments to you will fit neatly into the slot it leaves behind. I have never missed a payment in my lifetime. I have rarely been late. From my first credit card I've been in the habit of paying bills when I get them, not waiting until they're due. More recently, I've been able to have them deducted from my account automatically, so they get paid without me even having to think about them. I can count on one hand the number of months I've carried a balance on my credit card from month to month.

Investment Property Down Payment

Purpose of loan:
This loan will be used to finance closing costs and a?down payment on a investment property as well as pay off any existing credit card debt.

My financial situation:
I am a good candidate for this loan because I?currently live at home with my parents?and really have no expenses besides a monthly cell phone bill.?My plan is?to pay this loan off within a year. I am also currently a prosper lender and have been since last year. I graduated from college last year and haven't had time to save as much as I would have liked. But I have no student loans, no car payments, or any expenses besides credit card debt accrued during my college years.

Income is $3000/month

Expenses - $90/Cell Phone
Entertainment - $400/mo.

I'll have $2510/mo to go towards Credit Cards, the prosper loan, and the mortgage. I have $5000 in credit card debt that will be paid down first.

Mortgage will be $600/month (mortgage with taxes included), with $1000 in rental income coming in. The mortgage and prosper loan can almost be covered by the rental income. Currently the property is fully rented out.

Engagement Ring

Purpose of loan:
This loan will be used to?buy my girlfriend an engagement ring.

My financial situation:
I am a good candidate for this loan because?I have been working for the family business since I graduated?college in 2004.? We have a Oil & Gas mineral and royalty acquistion company.? Once energy prices rebound I plan on selling a property or two to pay back the loan.? I would rather take a loan than fire sale properties to make this purchase.? However, in a worst case scenario that is what I will do.? I feel no pressure taking this loan knowing I have that as my fall back option.? I also plan on using producing royalties from these properties to help with monthly payments if needed.? This loan would just make my life easier for the time being.?

I also have outstanding student loans in my name.? However, my?Dad?is responsible for and make all of the payments.? I also have no car payments because I drive a company car and have a gas card.? My only monthly obligation is my mortgage.? Please feel free to call with any questions or concerns.

Thanks.

Business Use

Purpose of loan:






This loan will be used to???To purchase inventory for the rapid grow that we are experiencing. This 18k Gold layered Jewelry meet the customer?s highest requirements. The company counts on representatives of more than 10,000 outlets and promoters altogether, distributed over 67 Countries.


I am a good candidate for this loan because I have a good job? that can help me to cover this loan and my business is growing?very fast.?and l have?many years of experience as a sales person promoting different types of products and I recognize that the one I'm currently selling has potential and acceptance by an everyday growing list of clients.

l Appreciate your consideration with this loan.


HOUSING $ 600
INSURANCE $ 90
Car expenses O
Cable & internet O

New Beginning

I am a single mother of two daughters.?Paying so many different bills is such a stress.? I would like?to consolidate a couple of bills, just so that I can just make one payment.? Please consider my request for this loan.? I would greatly appreciate it.

Rose

Purpose of loan:
This loan will be used to help my girlfriend relocate to the United States.

My financial situation:
I am a good candidate for this loan because I have never paid a bill late or failed to pay a bill.

Monthly net income: $ 1750

Monthly expenses: $
??Housing: $ 685
??Insurance: $ 50
??Car expenses: $ 135
??Utilities: $ 50
??Phone, cable, internet: $?70
??Food, entertainment: $ 40
??Clothing, household expenses $0?
??Credit cards and other loans: $ 120
??Other expenses: $ 136

2nd Step

I need this money to pay off an existing prosper loan and auto and credit cards. I would also like to reinvest within prosper. My credit has improved greatly since my last loan i hope to continue doing this with?you the lenders help.? I really believe in this community, my first loan?Prosper allowed me to pay off high interest loans freeing up money to help others and this will help me further the?refi of my prosper loan along wiwith my auto will take care of this payment allowing me to further improve ! My financial situation....?
My income in 2008 on my main job?approx?$58,300 should increase moderately?On my business i received? approx?? $16,200 after expenses? this total will?be around $17,000 @ 2009's end on my third job i received?$1,700?may slightly increase?next year.. monthly cashflow is no problem and will improve as a result of this loan.??????????????????????? thanks for your help.

Plumbing Repairs

Purpose of loan:
This loan will be used to?
Remodel our Bathroom
I am a good candidate for this loan because?
I am a Truck Driver and I have been with the same company for 24 years.? I have lived in the same place for 24 years. My?wife also contributes her income.? I have always paid my bills and have never been late on a payment.? Most of the revolving credit is from a home equity line of credit (75%) we took out when my son was young to pay medical bills.???My Son?just graduated from high school and we just spent money on enrolling him in Tech. School, now?we find?there is a?need to remodel our bathroom.? It has mold and there are things that need to be ripped out and the plumbing repaired.? I will be doing most of the work myself along with a plumber friend, saving us thousands of dollars?.? Making the prosper payment will not be a problem we have a? second income my wife brings in.??I will also have my payments? automatically deducted through my bank account.?I also have a 401K?(with over 100K) I can tap into if the need arises.? I would appreciate any help and bids I can get.? Any questions are welcomed and I can verify Income and 401K if need be. Thanks?
My financial situation:
Monthly net income: $ 3,500
Wife's Income 2,000
Monthly expenses: $
??Housing: $ 450,00
??Insurance: $???200.00?
Car expenses: $ 100.00
??Utilities: $ 125.00
??Phone, cable, internet: $ 110.00
??Food, entertainment: $?400.00
??Clothing, household expenses $
??Credit cards and other loans: $ 1300
??Other expenses: $ 200.00????

Doing some work on house.

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: $

Invest in Real Estate

I will use this loan to invest in real estate. I want to take advantage of investing in a 20 unit building that is fully occupied. I have waited for this opportunity and it has finally presented itself. Please help me become part owner of this building.

I am currently working and I will start a new job this month. I will continue to work at the job I am currently at and work at my new job as well.

I am a great candidate for this loan because?I pay my bills on time and have an?excellent credit history. I have never been late on any of my bills or missed a payment.? I can definitely?make the monthly payments to repay this loan?without any problem. I figure why not pay Prosper back ?instead of the bank. Thank you for taking the time to read my posting and considering me for loan.

paying off some bills

Purpose of loan:
This loan is to pay of a medical bill and a couple of other small bills.

My financial situation:
I am a good candidate for this loan because? i have been at my job for 30 years and i go to work every day

Monthly net income: $ 2000-2500

Monthly expenses: $
??Housing: $ 600
??Insurance: $130
??Car expenses: $ gasoline 50-75
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 50-100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 250
??Other expenses: $ none

Looking to Refinace my current Loan

Purpose of loan:
This loan will be used to reduce the current payments on my current prosper loan.? Due to current economic conditions I want to reduce the payments, by adding time, so that I have a bit more to put away per month.

My financial situation:
I am a good candidate for this loan because I pay all of my debts off, and I am committed to making a change in spending and buying habits. I am in the process of paying off my car this next month, but would like to pay off my current prosper loan of a little above 6000 with this loan, and allow me to reduce the monthly payment on it, freeing up a little more cash per month, for other bills.? I have been making monthly payments and have a good history with my current prosper loan.

Monthly net income: $ 2100

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $200 gas
??Utilities: $ 0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $700
??Other expenses: $

High loan payoff/finish remodel

Purpose of loan:
This loan will be used to pay off a high?interest loan (HSBC?is 2400) and assist with the addition on our house to make father in law a little more comfortable.? We are short $3800 for this.??

My financial situation:
I am a good candidate for this loan because I am trustworthy, pay my bills on time (I know it appears I have too much credit, because of my debt to income ratio, but one loan for motor home at 11% (1991 winnebago which is up for sale for balance owing), one is for car for daughter, since she wasn't able to get a loan (finance company-honda prelude at 12%, one is HELOC with AG @7.8% fixed), one is new business loan @11%, one is 2006 Expedition @9%) plus various credit cards, one credit card almost maxed for tuition assistance for daughter @11/99%). ?I also have begun some consulting work from my home, and did that loan on my own,without my husbands assistance.
Monthly net income:? $7400

Monthly expenses: $
??Housing: $ 1348.00?Wells Fargo @6.00%? (PITI)
??Insurance: $ Auto is $60 per month, health?insurance fully paid by?employer, same for life?and disability
??Car expenses: $ 200?(I do get a mileage reimbursement which averages $300 per month)
??Utilities: $ 250?
??Phone, cable, internet:? $99?(comcast bundle)
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2500 (includes those items I've mentioned above)
??Other expenses: $ 50

Testing the waters

Purpose of loan:
This loan will be used to see how the process works from the borrower side of the house, as well as establishing myself as a reliable borrower. I currently have about $2000.00 in loans, and have been a lender for over 2 years.

My financial situation:
I am a good candidate for this loan because I am very frugal with my money, reliable in my payment history, and have a steady career in the Navy.

Payment schedule: I plan on paying this off in 12 months, since loan is only being used to see the procedures from the borrower side, and to establish my payment history with Prosper community.

PAY OFF MY CREDIT CARDS

Purpose of loan:
This loan will be used to? CONSOLIDATE MY CREDIT CARDS. I HAVE THREE CARDS EACH CARRYING A BALANCE OF ABOUT HALF THE LIMIT.? THE INTEREST RATES ARE PRETTY HIGH SO I WOULD LIKE TO CONSOLIDATE INTO 1 PAYMENT AND DECREASE THE INTEREST THAT I AM PAYING.?I AM CURRENTLY PAYING?1 AND A HALF TO 2X THE MINIMUM DUE IN ORDER TO PAY THESE DOWN MORE QUICKLY HOWEVER THE INTEREST RATE IS EATING UP ALOT OF THE PAYMENT. IT WOULD BE NICE TO BE ABLE TO CONCENTRATE ON JUST ONE PAYMENT.?

My financial situation:
I am a good candidate for this loan because?I AM EMPLOYEED FULL TIME WITH A NATIONWIDE COMPANY.? I MAKE A GOOD SALARY APPROX 70000.00 A YEAR.? I AM MARRIED AND MY WIFE?IS ALSO EMPLOYED FULL TIME. HER ANNUAL SALARY IS APPROX 25000.00 A YEAR.

Medical Expense

Purpose of loan:I was born three months early with Cerebral Palsy,weighed 2.2 pounds at birth, The Freshman year going into high school, I was hit by a car doing MPH while crossing in a cross walk on a major highway N. It shattered my ankle. The insurance payed for the initial operation back in June of 2002, when I was still a minor. They refuse to cover it now since it has been so long, and I am legally an adult. I need this loan to have the operation to get the three pins plates and screws in my ankle. They have need to come out for a little over two years now and I ideally would like to have it done by November of this year. I have tryed through several banks to get a loan for this operation, but they say it can not be financed because it is a pre existing injury. Feel free to ask any questions you may have. Your help is greatly appreciated and you will I repeat WILL be PAYED BACK IN FULL. My financial situation:I am a good candidate for this loan because?I have very minimal bills one credit card(Best Buy) with a balance of 318, witch will be payed of by early October.( on or around the 13th) a student loan(2,400) witch is only 50.00 a month automaticy debited from my bank on the 10th. and a cell phone bill that is around 105.00 a Month. My financial situation is well under control I receive 680.00 a month SSD and 131.00 a week unemployment ( granted I am looking for another job) The unemployment will not run out on me until Jan 2010, and I know for damn sure I cant go that long with out a job.My utilities and food are +- 50-75 depending on what I buy for food. 680.00 (SSD) 524.00 ( unemployment a month) Total: $1,204 ? My Rent is 200.00 a Month, but most months I get away with only paying 150.00Bills=155.00 (without best buy)Bills= 314.00( Splitting best buy between sept and October) paying off on october13200.00(Rent)314.00(Bills)514.00 (total).Its pretty obvious by the way I broke it down I will be able to make the payment well over the minimum ever month (I intend too) ?'s PLEASE ASK AWAY

Paying off debt

The purpose of this loan would be to pay off the remaining balances of debt I have so I can be in a better financial standing with myself and in a better position to help those in need around me.

I am a good candidate for paying off this loan because I have not defaulted in past loan payments and If I receive it I would be so grateful and know that I am given a chance to do the right things. So my way of saying thank you and #1 priority would be to make sure to pay back those who have helped me.

Monthly Net income $1300


Insurance $260
Car $350
Utilities $20
Internet $35
Food $50
Credit cards and other loans $250


Total? Monthly expenses ($965)?The purpose of this loan would be to pay off the remaining balances of debt I have so I can be in a better financial standing with myself and in a better position to help those in need around me.

I am a good candidate for paying off this loan because I have not defaulted in past loan payments and If I receive it I would be so grateful and know that I am given a chance to do the right things. So my way of saying thank you and #1 priority would be to make sure to pay back those who have helped me.

Monthly Net income $1300


Insurance $260
Car $350
Utilities $20
Internet $35
Food $50
Credit cards and other loans $250


Total? Monthly expenses ($965)

Paying off student loan

PURPOSE OF LOAN:
I am using it to pay off the rest of my student loan. I am currently making payments of $109 a month and have about 7 years left on it. I owe about $8000 left on it. With the $5000 I can pay off the whole amount and just get rid of it. Ever since Chase took over my loan I have only been making payments on interest only and no payments on principal. I'd rather pay you all than pay all that interest to Chase.

FINANCIAL SITUATION:
I am a full-time server at Wasabi Sushi Bar in New Orleans. I bring home around 3000 a month and my bills are only a little over 1000 a month. I have been rebuilding my credit for the last 5 years and havent had a late payment in that time. I will only be paying another 60 bucks a month more than with my student loan and it is worth it because I wont be paying all that interest. You can be assured I will pay you back. Thank you.

Fix Miata, Getting Credit History

Purpose of loan:
This loan serves three purposes.? It helps me fix my 1990 Miata, establish a good credit rating, and establish a Prosper history.? I got the 90 Miata for free as it needs some work.? It needs a top, a radiator, some minor interior work, tires, paint, two new speakers, shocks and will soon need a clutch.? The money from this loan will go into making it a nice, fun, fuel efficient daily driver.? The car has 130K on it, but it has had some horrible owners who did not take care of it.? I will be doing all the work myself.This loan also will help me to establish a credit rating and a history on prosper, which is good for my financial future when I'm on to UC.

My financial situation:
I have a solid part time job that I have been working since July 2007.? I don?t make much, but I have minimal monthly expenses as I live at home with my parents.? My big bills are my $60/mo car insurance, $60/mo phone bill, $30/mo for cloths and other things, and ~50/mo for food, movies and other fun.I pay all those bills on my credit card and then pay it off every couple months in an attempt to get credit history.

Monthly net income: $ ~600

Monthly expenses: $ 200
??Housing: $ 0
??Insurance: $ 60
??Car expenses: $
??Utilities: $ 0
??Phone, cable, internet: $ 60
??Food, entertainment: $ 50
??Clothing, household expenses $ 30
??Credit cards and other loans: $ 0
??Other expenses: $ 0

No late payments here

Purpose of loan:
This loan will be used to? pay off my existing prosper loan and my wells fargo credit card making it into one payment and one intrest charge to save some money

My financial situation:
I am a good candidate for this loan because? my husband and I are very stable in our jobs.I am second in charge as a assistant administrator for a low income senior community and have been there for three years and counting I enjoy helping the elderly at my job and don't plan on leaving soon.I have never had a late payment on any accounts I have or had and always pay every bill on time or even before its due.We don't go out very often leaving us more money to put into a savings account for are future.We are very happy the way things are for us currently and just want to save more money by setting up one payment instead of two.Thank you

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 65
??Car expenses: $135
??Utilities: $ 30
??Phone, cable, internet: $90
??Food, entertainment: $ 125
??Clothing, household expenses $100
??Credit cards and other loans: $ 240
??Other expenses: $ 50

Payoff Owed Taxes

ABOUT ME: I am 43 years old, and have been married for 6 years.? I have been with my current employer for 4 years; but I have worked in the computer field for?20 years.EXPLANATION OF BAD CREDIT: ?We have a discharged bankruptcy from October, 2004.? We both went through divorces in 2002 which caused us to have to declare bankruptcy.? The credit card debt was run up and my ex-spouse left me with the debt.? He was required to payoff some of the credit card debt by the divorce; but, in the state of Oklahoma this is not enforceable.? They only enforce child support.? The DQ's showing are all accounts which were written off from the bankruptcy.? There is one account to HSBC which shows a repossession.? We settled this account with them.? We also have a rental home that we are working with the lender to do a deed in lieu of mortgage because our renter had to move out and we are no longer able to rent the house for the mortgage payment.? We are finally able to work on rebuilding our credit; but, it is a slow process.? I have a current Prosper Loan which was taken out in March of 2007.? This loan has always been current and will payoff in March of 2010. WHAT I WILL DO WITH THE MONEY: Proposed payoff: I want to put $7,500.00 towards the amount owed to the IRS.? They recommend borrowing the money because it is cheaper than their penalty and interest rate. CLOSING REMARKS TO LENDERS: I have worked very hard to reestablish my credit.? I have made all payments due on my prosper loan on time.? I will continue to do this until all payments have been made.

Hiring Business Development Staff

Purpose of loan:
I founded Nuevo Media Group, LLC, dba Dialogo (www.prdialogo.com) is an independent public relations firm in 2008, launched this month, and located in San Diego, California. We help brands gain exposure and relevantly dialogue with Hispanic consumers, to drive sales. Prior to Dialogo, I worked on communications programs where I grew teams responsible for experiential marketing campaigns, and provided leadership on street ?guerrilla? communication initiatives. To pay for my start-up, I moonlight working at a restaurant full time.

Our new Director, Marisa Vallbona, APR, Fellow PRSA has 20 years in PR, has won the Silver Anvil four times and?she is this year's co-chair of the Public Relations Society of Amecia Convention. Marisa has written and published articles in a number of newspapers and magazines, and has experience leading PR teams representing world-renowned organizations such as Blockbuster, 7-Eleven and XM Satellite Radio, which have led her to win four prestigious Silver Anvil Awards (the Silver Anvil Award is the top national award in the public relations industry) and Best of Show Award from the Public Relations Society of America.

This loan will be used to hire a business development specialist?to bring in new accounts, and revenue.?

My financial situation:
I am a good candidate for this loan because I have never been late on any obligations, I have a great business model and I personally guarantee the debt.

Monthly net income: $ 1600

Monthly expenses: $ 1300
??Housing: $?500
??Insurance: $?50
??Car expenses: $500
??Utilities: $?50
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

3rd Prosper Loan (NO LATE)

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





Monthly net income: $ 3920.00 (myself)-2600.00(spouse)-1320.00

??Housing: $ 800.00
??Insurance: $ 120.00
??Car expenses: $ 410.00
??Utilities: $ 280.00
??Phone, cable, internet: $ 220.00
??Food, entertainment: $ 600.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 300.00

prepare to expand business

Purpose of loan:
This loan will be used to help purchase second piece of rental equipment.

My financial situation:
I am a good candidate for this loan because I expect steady income growth during coming year. I offer low cost tractor rentals, and demand is becoming stronger.

rebuild credit score

Purpose of loan:

I had to file bankruptcy because of some bad business debts that I personally guaranteed. I have a long history of excellent credit and still have a credit card through my bank. My credit score is back to the mid 600?s three months after bankruptcy. I want to obtain this loan to establish credit for an installment loan and raise my credit score.? The?1k of funds?will be held in a T-Bill with Treasury Direct.Thank you

I deserve a vacation

Purpose of loan:
This loan will be used to I need a vacation?? because i have not been any where in about 7 year? and i deserve one.

me and i work at my job for 33 years im dedicate trusting person.

t income: $ 2,000

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

"Rebuilding"

1. First of all, I would like to thank each and everyone that supported me in funding my last loan, or which I have paid in full without default.2. Hello?I am full time US Army soldier with 21 years of service. With?two previous and paid loan with prosper.3. History: This is an attempt to obtain a new loan, my last two loans was a three year loans which?I paid both on time and early.4. Purpose: I plan use this loan for some personal moving and storage expenses while in transistion to my new duty station at Ft Campbell KY. The Army will reimburst me once my move is completed. But since I am renting at my new duty station?I ?have delayed the shipment of my household good due to space.? 5. I know that if you invest in me, you will i will no be a disappointment.?However rest assured that I will continue to pay my loan on time as I did with the previous two?loan. 6. Thanks in advance for your support.?

Private school tuition

Purpose of loan:
This loan will be used to partially finance tuition for one of my sons at a private k-12 accredited boarding school. He is an exceptionally bright and enthusiatic kid who desires to be constantly challenged to his utmost ability.?I recognize his potential and want to provide him the best education and opportunity for future success.

My financial situation:
I am a good candidate for this loan because I am a responsible parent with a secure full time job who meets all financial obligations as committed.
Monthly net income: $ 7982

Monthly expenses: $ 6303
??Housing: $ 1527
??Insurance: $ 126
??Car expenses: $100
??Utilities: $ 250
??Phone, cable, internet: $ 300?
??Food, entertainment: $ 1000
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 2500
??Other expenses: $ 0

Paying for Training Program

Purpose of loan:
This loan will be used to pay for tuition for a training program in event planning because I am looking to switch careers.

My financial situation:
I am a good candidate for this loan because after having a problem in the past, I have managed to mange my money and debts and have been paying every thing on time with no delinquencies for over a year.

Monthly net income: $ 2300

Monthly expenses: $ 1084
??Housing: $ 0
??Insurance: $0
??Car expenses: $0
??Utilities: $ 80
??Phone, cable, internet: $ 45
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 629
??Other expenses: $ 30

putting new roof on house

Hello everyone,
This would be my second loan from prosper, the first will be paid off with this one, My credit score has improved by more than 100 points since my last loan. I have not been late on the first loan and I have not been late on any of my bills for over 3 years. I also have a very low debt to income ratio. I have also been promoted since my last loan and my income has increased. This loan will help put a new roof on our home. I am hoping that you all will believe in me a second time and help me out with a loan, I promise you will not regret it. Thanks again

Consolidating Credit Card Debt

Purpose of loan:? This loan will allow me to immediately close two smaller cards and consolidate payments into one.? With credit cards, as I pay on them it frees up credit for me to utilize again and this cycle is keeping me in debt.? A loan through Proposer will help me reach my goal of being debt free.? My track record shows that I always pay on time and have no delinquencies.?

My financial situation:? About three years ago at the top of the housing market I sold my first home for a substantial profit and purchased a new home with a large down payment.? At the time this was a good move because it made my payments low and provided me with the ability to live within a budget that wasn?t paycheck to paycheck.? A better decision may have been to invest some of the money in an account that had the flexibility to withdraw funding when needed but I figured that I could take money out of my home if I absolutely had to.? With today?s problems with financial institutions and the housing market, home equity loans are now a thing of the past. I don?t live extravagantly with lots of toys or fancy cars because I am a father of two and want to ensure that my children?s future is secure through higher education.? I have set up educational accounts for them through automatic withdrawals at work, I have tried to maximize my retirement investments, and I have invested in myself through continuing education forums to keep me one step ahead of the pack in my profession.? These expenses have reduced my take home income and have created out of pocket expenses that I paid for with credit cards.? I know that these were good moves but they?ve also left me with uncured debt that I would like to get rid of.?

Employment Status: ?I?ve been an Engineer for 12 years (I have a B.Sc. in Civil Engineering and a B.SC. in Chemical Engineering) and have worked with my current company for 7 years.

Monthly net income: $ 86000

Monthly expenses: $ 3470
??Housing: $ 2200
??Insurance: $ 120
??Car expenses: $ 100
??Utilities: $ 300
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $ 50

3rd Loan-Fair Rate-I Pay Loans Back

Purpose of loan:
Isn't a guaranteed 20% Lender Yield Rate better than 30% to 35% that will probably go into default?? I am also a lender on Prosper and have had 5 out of 14 loans go into default.? I know how frustrating it is when that happens.? That feeling in itself would keep me from defaulting on this loan.? I was one of the 1st $25,000 loans with an E credit grade on Prosper.? I have since paid that loan off and got a 2nd loan for more inventory to sell on Ebay.? That loan has also been paid back.? My Ebay user id is cmjsupply.? I have been a member of Ebay since December 19, 1999 and have a 100% Feedback score of 3645 which is Very Rare.? I always put my customers first which I think you can see by my Ebay Feedback score.? I will use this money to again purchase more inventory.? My previous Prosper history should give additional confidence to anyone wanting to bid on my loan.? The new Prosper rating system seems a little messed up.? I went from a B to a HR but my Prosper history should answer any questions.

My financial situation:
I am still working to be debt free.? My son had brain surgery 4 years ago in March and some of those deliquencies have now shown up on my credit score.? I will pay these medical bills off in the future but I am focusing on getting debt free with creditors first.? The financial breakdown below does not include my Ebay income, which is about $1000 a month.?

Monthly net income: $ 7000.00

Monthly expenses: $
??Housing: $ 2200.00
??Insurance: $ 165.00
??Car expenses: $ 750.00
??Utilities: $ 400.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 150.00
? New Prosper Loan: $ 357.00

? TOTAL: $ 5172.00

? Monthly Left Over: $ 1828.00

Putting in New driveway and Carpet

Purpose of loan:
This loan will be used to?put in a new driveway at the house my wife and i just bought about 7 months ago.

My financial situation:
I am a good candidate for this loan because?I have the ability to repay a loan on time if not even early.

Monthly net income: $
3300.00

Monthly expenses: $
??Housing: $682.50
??Insurance: $100.00
??Car expenses: $319.00
??Utilities: $50.00
??Phone, cable, internet: $50.00?
??Food, entertainment: $100.00
??Clothing, household expenses $50.00?
??Credit cards and other loans: $450
??Other expenses: $0

AUTO REPAIRS

Purpose of loan:
This loan will be used to? CONSOLIDATE BILLS

My financial situation:
I am a good candidate for this loan because??MY PRAYER IS TO BE DEBT FREE?SO THAT I CAN HELP OTHERS, AND WHEN THIS PRAYER IS?MANIFESTED I WILL HAVE A TESTIMONY OF HOW I CAME?TO THIS PLACE IN MY LIFE AND I?CAN THEN BE?A??LENDER AND?NOT THE BORROWER.??

Monthly net income: $ 1500.00

Monthly expenses: $?1405.00
??Housing: $ 395.00
??Insurance: $ 95.00
??Car expenses: $ 100.00
??Utilities: $?245.00
??Phone, cable, internet: $ 85.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $?385.00
??Other expenses: $ 100.00

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

Paying off my credit cards

Purpose of loan:his loan will be used to....Consolidate credit cards.

My financial situation:
I am a good candidate for this loan because? Hello I am requesting this loan to pay off multiple credit cards. I feel if I can obtain this loan it will make it much easier to pay off these debts. I am earning steady income working my current employment. I am very dependable when it comes to paying my bills. I always make sure payments are in on time in the correct amount and sometimes more. I earn around 6000-6500 monthly including overtime which is 20 plus hours each pay period. Thank you in considering this loan.

New Car & More!

Purpose of loan:
This loan will be used to purchase a new vehicle. The engine blew up on my current vehicle and it's time for an upgrade.

My financial situation:
I am a good candidate for this loan because I have ALWAYS repaid my debts. I make timely payments and am very reliable. I have a steady full time job and have been with the company for 9 years. I am an accountant for a large corporation and make over $45,000/year. I keep tight tabs on my finances and track every dollar I spend. I am very honest and trustworthy and won't let anyone down!

Monthly net income: $ 2,500

Monthly expenses: $ 1450
??Housing: $300
??Insurance: $50
??Car expenses: $100
??Utilities: $100
??Phone, cable, internet: $100
??Food, entertainment: $250
??Clothing, household expenses $50
??Credit cards and other loans: $500

Expand business

We are looking for a loan to expand our cell phone business. We currently have one location and are looking to take over a second.

Our first location has been open since October of last year (2008). We now have an opportunity to take over a second location. It's a location that has been open for more than five years and is well established.

Total monthly expenses (including payroll, rent, utilities, etc.) have averaged $7940 for the last year. Total monthly profits averaged $8690. We will immediately be able to reduce expenses by $2080 by managing the store ourselves instead of retaining the current manager, thus increasing profits.

We are confident that with our knowledge and experience in the industry we can increase current sales by 30% by December of this year and another 20% by June of 2010. By the end of 2010 we project profits of $19500 per month. We are confident that this is possible because this business has seen such numbers in the past. They struggled in 2008 because of a lack of a hands-on owner/operator and proper training for employees.

$3000 will be used for inventory purchases. The rest will be used as working capital.

We have excellent history repaying our business (and personal) loans, and have never been late or missed a payment. This expansion will help us take our business to the next level. With two stores, we will have a greater advertising power and also a greater chance for future expansion.

Consolidate for college student

Purpose of loan:
We recently bought a home and have a child that started college at the same time.? I need to pay off one of my bills for $2,000, fix his truck to drive to school and buy his books.? He is an A student and has a bright future.?

My financial situation:
I am a good candidate for this loan, because I am secure in my job as a elementary school principal.? Over the last three years, I have worked to re-established my credit after a bad investment with my husband.? I have recently purchased a home and our money went into the move, along with deposits for utilities and college fees.

Monthly net income: $ 96,000

Monthly expenses: $
??Housing: $ 1763
??Insurance: $ 286 (auto & home)
??Car expenses: $ 700
??Utilities: $ 507
??Phone, cable, internet: $ 210
??Food, entertainment: $ 900
??Clothing, household expenses $ 600
??Credit cards and other loans: $ 400
??Other expenses: $ 500 (misc for college student, gas, etc.)

LAYING OFF McDONALS FOR GOOD

Purpose of loan:
This loan will be used to?PAY FIRST AND LAST MONTH? ON THE (LEASE) PLUS BUY SOME EQUIPMENT***PLEASE HELP ME ON MY QUEST HERE MEMBER'S.... SMALL BUSINESS ASSOCIATION (THEY WILL LIKE TO HELP ME **THE CATCH IS MY BUSINESS NEEDS TO STABLISHED FOR AT LEAT ON YEAR PRIOR TO THE APPLICATION*** SO REASON WHY I CAME TO PROSPER***LIKE A STOVE A COMERCIAL/USED FREEZER SOME COUNTER/STEEL TABLES, FOR PREP.SIGN. (SODA MACHINE OR OTHER DRINKS MACHINES
I WILL BE TALKING TO THOSE VENDORS LIKE PEPSI OR COKE.. TO ALOUD ME TO USE THEIR EQUIPMENT FOR THEIR PRODUCT)
TABLES FOR EATING... MAY NOT BE REQUIERED BECAUSE THE LOCATION IS TO SMALL PLUS BUSINESS LIKE RESTAURANTS (NO CHAIR OR EAT IN ALOUD TAKE OUT ONLY>>.

My financial situation:
I am a good candidate for this loan because?@ THIS POINT MY?SPOUSE AND I WE BOTH ARE WORKING?
SO SOON IS WE OPEN THIS BUSINESS/MY WIFE WILL BE THE ONE WHO?BE QUITING HER?JOB?@ McDONALDS
SHE WILL BE HANDS ON THE JOB...?ON THE BURGER STAND..

Monthly net income: $ 3,750

Monthly expenses: $2,088
??Housing: $ 596.13
??Insurance: $ 226
??Car expenses: $?351
??Utilities: $?95
??Phone, cable, internet: $?75
??Food, entertainment: $?150
??Clothing, household expenses $ 200 MONTHLY
??Credit cards and other loans: $ 175?
??Other expenses: $ 220

School Expenditures

Purpose of loan:
This loan will be used to?
Help pay for school costs for this year
My financial situation:
I am a good candidate for this loan because?
I am extremely responsible and pay off all of my debts on time.
Monthly net income: $
1200
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 59
??Car expenses: $ 349 car payment a month
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50?a month
??Other expenses: $
0

Helping my daughter with schooling

Purpose of loan:
This loan will be used to help my daughter with school.? She's wanted to get a loan herself but I insisted I'd do it because I didn't want her?to mess up her credit score as we all know college students make a heavy dent in credit ratings. So she'll just pay me back and we've drafted up a whole deal for it.

My financial situation:
I am a good candidate for this loan because I have a six figure income and a steady job that I've had for over ten years.? I am happy to pay back all debts owed but need cash fast and I like the idea of people lending to one another, helping each other out instead of banks using citizen's money for their own selfish gains.

Paying off revolving credit.

Purpose of loan:
This loan will be used to? pay off revolving credit.

My financial situation:
I am a good candidate for this loan because? I pay my bills on time and am very responsible.
I had a little trouble last fall after Hurricane Ike and changing jobs at the same time, but am now back on track.
I am attempting to be debt-free in 3 years.

Monthly net income: $ 4,667

Monthly expenses: $
??Housing: $?1000.00
??Insurance: $?111.66
??Car expenses: $ Gas?$100-$150
??Utilities: $ $250
??Phone, cable, internet: $ $130
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $?932
??Other expenses: $ 80