remodeling home

Purpose of loan:
(explain what you will be using this loan for) HOME IMPROVEMENT

My financial situation:
(explain why you are a good candidate for paying back this loan) 22 YEARS ON JOB

Monthly net income: $ 8000

Monthly expenses: $
??Housing: $ 850
??Insurance: $
??Car expenses: $?400??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $?200
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $

Helping a Friend

Purpose:? Consolidate 2 loans? in order to have enough to help a close friend in need and spread expenses over time,

Ability and reliability to pay:? I previously had a $10K Prosper loan which I paid on time in 24 months.Although I am???????? credited here with 6.5 years of City employment, I have bought 6.5 years of military and previous City employment so am???????? currently credited with a total of 13 years for retirement purposes
Income:
? Pension?????????? 1911
? Salary????????????? 5650
???????????????????????????????? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ?? ? 7561 (Gross)?????????????
? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? 5240 (Net)? ???????????
Mo expenses:
? Housing:????????????????????? ? ?? ? 609
? Insurance???????????????????? ? ???? 60
? Car expenses:????????????? ? ??? 200
? Utilities:?????????????????????? ????? 100
? Phone, cable, internet:????? 150?
? Entertainment ? ? ? ? ? ? ? ? ?? 265
? Food, Groceries??? ? ? ? ? ? ?? 650
? Loans & Credit ? ? ? ? ? ? ? ?? 1450
? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ?? ? ?? 3484???


Misc expenses ? ?????? ? ? ? ? ?? 550

Son's education?????????????????? 600
???????????? TOTAL ??????????????????????????????????????????????????? 4634

New Siding

Purpose of loan:
I?have to?replace the roof on my house, and paint.? My insurance will not cover all of the cost, and instead of painting, I would like to add siding.

My financial situation:
I am a good candidate for this loan because I consistantly pay my bills.? I have a current prosper loan, of which I've never paid late.? I also had a prosper account that is paid in full.?

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 574
??Insurance: $ 85
??Car expenses: $ 292
??Utilities: $?150
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Prosper consolidation loan?$109
??Other expenses: $ 50

Internet product and services

Purpose of loan:
This loan will be used to?

We are a small company that's starting to get some transaction, and are interested in some funding to get us to the next level. Our goal is to create easy-to-use products and provide services. Please check out our website for info at: http://www.acceleweb.com

The money will be used for business/technology development and capital investments for our products.

Paying for College

Purpose of loan:
This loan will be used to pay for college

My financial situation:
I am a good candidate for this loan because i am very responsible at repaying loans. My father will assist me as well, so between us this loan will be paid back AND on-time.

Monthly net income: $ 800

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

paying off credit debt

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

My financial situation:
I am a good candidate for this loan because? I pay my bills on time

Monthly net income: $ 4000.00

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

I want to make Adult Movies

Purpose of loan:
So it may be a mistake to tell you the real purpose for this loan, but here it is: I want to produce adult movies.

I've been a fetish actress and model for a little over a year now, which means that the content is "adult", but it's not XXX.? What I've seen is that the talent in films makes very little money compared to the producers and distributers, so that's what I want to move into.

We need around $5000 to purchase the cameras, lights and editing software necessary to make films -- but we already have the ideas, technical knowledge and onscreen talent to be successful.? We have a solid business plan for sale and distribution that costs us virtually nothing, so all of our costs are capital and we'll have very little in the way of ongoing expenses.? This will drive production costs so low that almost all of the sales revenue will be profit and available to service the loan.

My financial situation:
I am a good candidate for this loan because I have the talent and knowledge to be successful in this venture.? I also have an income with very little in the way of expenses, so will be able to pay the loan back regardless -- and my household income is well able to support the loan payment.? I'm coming to Prosper, because this is something I want to do independently -- I want to get the financing and run the business as my own.

Monthly net income: $ 2000
In addition, my husband earns $120,000 / year, so our household income is well-able to pay this loan should the venture not succeed.

Monthly expenses: $ 0
I have no real monthly expenses that come out of my income -- other than clothing and equipment purchases for my business and personal use.

Paying off some credit cards

Purpose of loan:
This loan will be used to payoff some of my CC debt and to improve my rating. I am new to prosper and want to biuld my credit rating.? Also would like to take the interest from the bank and give to individuals like you.

My financial situation:
I am a good candidate for this loan because I pay my bills on time!? Went through a costly divorce and getting things back on track financially.

Monthly net income: $ 4600????

Monthly expenses: $?4200
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Paying off credit cards

Purpose of loan:
This loan will be used to?
Pay off 2 large credit cards and have a little left over for smaller bills.
My financial situation:
I am a good candidate for this loan because?
I have a good job as a CAD technician and?the company I work for?has a?good?backlog of projects so I feel?we are?stable in the engineering design field right now.
Monthly net income: $ 55,000/yr (I have my offer letter if I need to prove)

Monthly expenses: $
??Housing: $ 1,604
??Insurance: $ 500.00 (+/-)
??Car expenses: $ 385.00
??Utilities: $ 300.00(+/-)
??Phone, cable, internet: $200 (+/-)?
??Food, entertainment: $ 600.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 1,100(+/-)
??Other expenses: $

Home Renovations

Purpose of loan:
This loan will be used to make renovations to a townhome that I just purchased. This will be my primary residence and I plan on living there for at least 5 years. The home was built in 1974 and needs to be updated. This loan will specifically be used for the expansion of the kitchen and master bath.

My financial situation:
I am a good candidate for this loan because I have been employed by the same company for over 13 years and I have a decent salary 80,000 + (not including yearly bonuses). I recently paid off my auto loan (20,000+) in a little over 3 years. I do have some credit card debt but it is related to some of the recent items that I needed for the renovation i.e. refrigerator, stove, dishwasher, home inspection, and I plan on using the proceeds of this loan to pay that down. I am single with no children and no other financial obligations.

In the interest of full disclosure I have to admit that my credit score is not as high as it should be due to some financial trouble that I had associated with my marriage and subsequent?divorce. I have not had any late payments with my truck loan as well as rent on my apartment. I have not had any credit card late payments in over two years as well. I do show a couple of delinquencies on my credit report but of which I have disputed to no avail and they will fall off next year.

Monthly net income: $ 4500 (income after taxes, medical, and 401k contribution)

Monthly expenses: $
Housing: $ 1250
Homeowners Insurance: $ 100
Association Fees: $275
Car expenses (insurance, gas, oil, etc): $ 120
Utilities: $ 150
Phone, cable, internet: $ 100
Food, entertainment: $ 450
Clothing, household expenses $ 150
Credit cards and other loans: $ 250As you can see I have in excess of $1500 every month that I can use to pay down this loan. Thank you for considering my loan application.

paying some bills

Purpose of loan:
This loan will be used to? pay off smaller credit card bills and to use as a small cushion while I am in school to obtain my nursing degree?

My financial situation:
I am a good candidate for this loan because? i pay my bills

Monthly net income: $ 2300.00

Monthly expenses: $
??Housing: $ 715
??Insurance: $
??Car expenses: $
??Utilities: $ 45.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $? 50.
??Clothing, household expenses $?60.
??Credit cards and other loans: $ 600.00
??Other expenses: $ 250.

Working Capital For Drive Thru

Purpose of loan:
I am an experienced entrepreneur looking into purchasing a drive thru coffee shop. I have the required capital to acquire the place and get it started. I am looking to get a loan for the working capital of the business. The coffee shop drive thru business is a clean, efficient and high margin business, which is why I have chosen to get into it. The recommended traffic threshold for a drive thru to work is 15K vehicles, the location where I am opening has 50K vehicles daily!

Please contact me about any additional questions.

My financial situation:
I am a good candidate for this loan because i have real estate which has no loan i can put that as collateral and have a rental property where i get a extra income.

2nd Prosper Loan - Debt Consolid.

Thanks for looking at my listing. I am looking for a loan to consolidate my high interest rate credit cards, with high balances (see below), into a single monthly payment.

In October of 2006, I received a loan through Prosper for $9,900.00 (Listing Number 49602 - Loan Number 4250). This loan was paid in full in April of 2009 - AHEAD OF SCHEDULE WITH NO DELINQUENT PAYMENTS OVER THE COURSE OF THE LOAN!

I am now seeking an my second Prosper loan to assist in ridding myself of all of my credit card debt (see below). The first Prosper loan helped a lot - and I hope this loan will help complete the process of eliminating my debt.

Thanks again for the help!

P.S. Below you will find my monthly take home pay and monthly expenses:

Employment: Currently employed with an Information Technology (IT) firm (where I have been working for over a year). Monthly take home: $5000.00 Expenses:
Rent: 800.00 / month (friend's home)
Gas: $50.00 / month
Utilities: $50.00 / month
Cable: $150.00 / month
Car Insurance: $225.00 / month
Telephone: $300.00 / month
Credit Cards (HSBC, RewardZone, CapitalOne, Credit One): approx. $2800.00 / month

Left Over: $625.00 / month (groceries, miscellaneous expenses, etc.)

SMALL EXPANSION TO BUSINESS

Purpose of loan:
This loan will be used to expand Storks-N-Celebrations LLC. A birth and birthday announcement company.? The current equipment I have i.e. printing system is already outdated and only allow?simple?sign design (storks, baby items, letters and numbers).? However, an upgrade model of?printing machine?will allow me to please my customers more.?My lap top computer is over 3 years old and?has been problematic for the?pass?three month;?it is my primary source of communication.? I also need?a dedicated phone/fax lines for SNC; currently using my personal?cell?for business needs.?? This causes a? conflict?for filing business expenses during tax season.? If there is enough left over, the reminder will be dedicated to marketing my business.

My financial situation:
I am a good candidate for this loan because I am following my heart and passion.? My business services are free to military families want to advertise the birth of their little ones.??Being a retired Navy enlisted,?my heart and dedication?goes out to them.??So many miss the birth of their children, I want to afford them to chance to?at?least announce it.? However, I am unable to?expand due to various reason but financially is primary.? The business is supported by my small retirement check.? I am stay at home?mom, raising two sons, while my husband is hard at work to support his family.? I do not wish to burden the family?more and have tried to do this on my own.? Your help is greatly appreciated!

Monthly net income: $ 1702
my income only***the monthly expenses are covered by my husband** my credit card debt is about 54k for business and personal use.
Monthly expenses: $
??Housing: $ 3100
??Insurance: $ 600
??Car expenses: $ 0 both cars paid for
??Utilities: $ 160
??Phone, cable, internet: $ 120
??Food, entertainment: $ 252
??Clothing, household expenses $ 60
??Credit cards and other loans: $?54k ***mine personally***
??Other expenses: $ charity $840

Inventory for news business

Purpose of loan:
This loan will be used to purchase inventory for a successful line of all-natural supplements/products (vitamins, weight loss, skin care, hormonal inbalances, support for immune system, etc.) that have already demonstrated their ability to improve the health and quality of life of my customers. My customer and distributor base has grown so rapidly that I need funds to increase the amount of inventory I keep on hand to better meet the demand.

My financial situation:
I am a good candidate for this loan because...
1. I have a very good full-time job (agency administrator) earning?$73,900/yr?(backup funds for loan repayment)
2. I serve as an adjunct professor at a local private college 3 months a year ($2,900)
3. I have purchased a house as a single woman and have maintained all expenses, including a car, utilities and property maintenance?without outside financial support
4. Within 4 months, I have developed a large customer and distributor base in 2 states for my new business who place large weekly orders?(steady revenue)
5. I am an honest and reliable person of integrity. If I make a commitment to repay funds, I follow through.

Expand My Business

Purpose of loan:
The purpose of this loan will be to expand my small business that I currently run on a part-time basis, which is a Chainsaw Carving Business. My intentions of taking this business loan is to purchase a new enclosed trailer, a small generator, and a portable air compressor all for a few reasons. The first reason is I have been Chainsaw Sculpting for over 3 years now and I sell much of my art work from my home shop, local shops who carry my art work, and at different events that I take my artwork to, the only problem is when I go on the road and take my art work/ sculptings, I can only take a select few and usually I sell out very quickly, which limits the amount of cash flow I can bring Into my business from these events.
The second reason I would like to take this loan and purchase this equipment is so I may participate in Chainsaw Carving events all over the midwest, these events gives you the opportunity to make large amount of sales and not to mention the few carves a year that you can participate in that raise money for charities.
Along with the events on the road my small business will have the opportunity to participate in competitions which this and along with all of the above mentioned you have the ability to get your artwork recognized and valued. Right now my business works out of a 1000 square foot shop for all of the indoor prep work, with a 1500 square foot outdoor work area for carving.
My financial situation:
I feel that my financial situation has put me in a great position to start this wonderful business, which I have already invested a Substantial amount of money into purchasing all of the equipment and building the work shop. All of the money for the start of my small business has been invested by myself and my husband and was a cash investment. We pay our bills on time with most all of our bills paid direct debit, so we are never late, Repayment of this loan will be on time, direct debit, and never late. I still work a full time job 3rd shift where I have been employed for many years and is a very secure job, and my husband works full time first shift he also has been employed with employer for 11 years so we have a steady income and job security from both of our jobs plus the income from our small business. If you have ANY questions we would be more than happy to answer them for you.

Monthly net income: TOTAL $6700.00
????????????????????????????????? $ 5200.00 take home from both myself and my husband
????????????????????????????????? $1500.00 a month in sales from the business

Monthly expenses: $ 3535.00
??Housing: $ 1900
??Insurance: $ 230
??Car expenses: $ 500
??Utilities: $ 200
??Phone, cable, internet: $ 180
??Food, entertainment: $ 175
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses: $ 200

Pay off credit card

This loan will be used to pay off my credit card. I had been maintaining a balance of a few thousand dollars at an interest rate of under 10%. I recently received a letter that they are "adjusting the rate according to market conditions" and that the new rate will be 16.99%. They were very gracious in allowing me to decline the rate increase...all I have to do is pay off the balance and close the account. So thats what I'm going to do.

I am a good candidate for this loan because I've borrowed from Prosper before. I'm also an active investor with over 30 lender notes to my name currently. I have a steady job (nearly 9 years with the same company) with a decent income. Aside from this credit card I have no revolving debt.

Pay off Business CC's

Purpose of loan:
Pay off CC's used for?Advertising, Auto, Inventory?and Tools.

My financial situation:
I?am a happily married 28 year?NC State?grad. I am the Office?Manager and Install Stuctured Cabling?with the?same company since i graduated in '03.?I own a rental condo, mange 2 of my brother's rental units and Co-owner of the mangement company that handles all of our HOA funds and property upkeep for our 16 unit complex.??

The majority of my outstanding?debt is in tools,?advertising, and?other start-up cost from when i was a sub-contractor with the company that i work full time for now.??Thanks to my first Prosper loan that I?am currently 18 months?into i was able to clear out some debt and enabled me to refinance my house?4 months ago.? With your help i can continue on my path to being debt free and be in the position to help others Prosper too.


My Credit Score:
I had a 629 credit score when i got my 1st Prosper loan in March of 2008.

18 Months later based on my Identity Monitor from Chase credit scores they list for me:

Your credit score based on your
?Equifax?credit report is?767?on a scale of 150-930
?Experian?credit report is?743?on a scale of 150-930
?TransUnion?credit report is?743?on a scale of 150-930

I also just?used the link provided by Prosper to the Experian website and my score?shown there was a 726.? I'm not sure why they show me in the range of 660-680???


My Site:
www.netsmartwiring.com

Monthly net income: $ 4600

Monthly expenses: $
??Housing: $?844
??Insurance: $Escrow with Housing
??Car expenses: $?0 Company Car?now and my wife's car is paid for
??Utilities: $190
??Phone, cable, internet: $ 114
??Food, entertainment: $?250
??Clothing, household expenses $50
??Credit cards: $?400
??1st Prosper Loan: $ 345

RELIST - NURSE IN NEED/PLEASE READ

Purpose of loan:
This loan will be used to pay off 2 very high interest, payday like loans as well as several other credit cards. 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.? 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 would also like to pay off 3 credit cards (Fashion Bug, Credit One and Life Uniforms - total about $2400) and have just one Prosper loan to pay.? A Prosper loan will save me at least $150 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.?

* I withdrew a previous listing which included a request to also pay off my car loan which also has a high interest rate. However, at the suggestion of another Prosper member, I have decided to just focus on getting my loans and credit cards paid off. I will, apart from Prosper, attempt to refinance my car loan.


Monthly net income: $3300

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,? credit cards and the 2 high interest loans)
? Other expenses: $

Paying for college tuition

Purpose of loan:
This loan will be used to? Help me continue getting my education at the University of Oklahoma.

My financial situation:
I am a good candidate for this loan because? I work hard and am very responsible.

Monthly net income: $ 34000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 125.00
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 65.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 0
??Other expenses: $ 25.00

Help us make our house a home...

Purpose of loan:
This loan will be used to?
In February my family purchased a 2 year old, nice, forclosed home close to the school where my wife and I are both teachers. The home was in good condition, but desperately needed plumbing work, a fence, and new carpets/flooring as the previous owners had a pot belly pig and ferrets that had destroyed the floors of this beautiful home. We opted to pay for most of the improvements out of our pocket, but need to recoup some of the cost.

My financial situation:
I am a good candidate for this loan because?
My wife and I have been teachers in the same school district for 5 years. We are very responsible people with with very little revolving debt (the revolving debt on my credit rating is for hardwood flooring that we put in the home on a 0% interest rate direct from the flooring company) . I do not own a credit card, nor will I. I have EXCELLENT credit as can be noted by my FICO score in the 720-740 range. I also just finished my masters degree in March of this year and will be looking to move to an administrative (principal) position next year. Please help us reduce the financial strain of purchasing a home and making the proper improvements so that our home is a safe, clean place to raise our family.

Note: The delinquent account is for a library book that was returned years ago and has been disputed with all the credit reporting agencies.

Paying off my credit cards

Purpose of loan:
This loan will be used to? get me through the slow summer months and recent downturn in the real estate market.? I am a Realtor and currently have enough deals in escrow (just over $60k in net commissions) to get me out of debt but they will not be closing until October and November.? I have monthly expenses to cover from now until then.? I expect to be able to pay this loan off very quickly, including my short term credit card debt,? based on my income and when these current deals close.? I just discovered Prosper from reading a great book called "What would Google do." and as soon as I pay off my credit card debt and this loan, I will become an investor on this incredible site.

My financial situation:
I am a good candidate for this loan because? my income is high and I pay my bills timely each and every month.? In addition, I have enough business in escrow and the pipeline to get me out of debt within the next few months.? I was debt free up until this recent downturn in real estate and am looking forward to being debt free after these next deals close within 2 months.? I am willing to pay this high interest rate as I know it will be a short loan.?


 

Pay Off Car Loan

Purpose:
In July 2007, I purchased a car for $15,000 and financed it at the only rate I could get approved for at the time, 22.89%.? For obvious reasons, paying this down has been a top priority.? I have been fortunate enough to save up $7,500 and put it down on the car in the?last?few months bringing the remaining balance down to about $4,600.? The monthly payment is $333.00, which is a drag on my cash flow.? This loan will be used to pay off the car at (hopefully a lower rate once it is bid down).? I have borrowed money from Prosper before ($3,000)?and made timely payments for over a year before saving up enough to retire the loan early.? I'm back and look forward to having another successful partnership with?all of you gracious?lenders.

My story:
I am an Accountant for a regional accounting firm on my way to a CPA.? I have also completed two masters degrees (MBA and MS-Finance).? My credit background was damaged when I was 18 due to an emergency room visit that was denied by my insurance.? The $500 charge sat on my credit for a few years before I could pay it off.

After that, I?put a car lease in my name for another family member who had gone through a bankruptcy.? After 12 months of mostly late payments by that family member, I took over and resumed making payments myself.? The last year on my credit report shows this account as paid as agreed.

Finally, the last blow to my credit came as I obtained subprime mortgages on foreclosed homes.? After difficulty obtaining tenants, I sold the homes?about one year later having made several late payments out of my own pocket.? One of these accounts has not been updated by the mortgage servicer to reflect the sale and closed status, though I have been in contact with them regarding the situation.

Since then, I've been slowly rebuilding my credit (improved approximately 100 points since last Prosper loan).??In September 2007 I got married and moved in with my wife who owns our home in her name (with her father as a co-signer).??Our income is enough to support?our modest lifestyle, however?our savings are depleted for the time being since I?put most of them towards paying?down this?car loan.? Given my listed credit risk, this may be your opportunity to earn a decent return on your money while helping me take this next step in regaining financial freedom.

Thank you for your consideration.

Monthly net income: $3,300 (excludes?spouse's income)

Monthly expenses: $2,813
?Housing: $1,000 (mortgage, taxes, and insurance)
?Car loan: $333 (will be eliminated with this loan)
?Car expenses: $250 (including insurance)
?Utilities: $200 (gas, electric, water)
?Phone, cable, internet: $130
?Food, entertainment: $400
?Clothing, household expenses $100
?Student loans: $400

Pay off a high interest loan

Purpose of loan:
The purpose of this loan is to pay off three high interest credit cards.?I am hoping that this loan will give me an opportunity to eliminate these debts at a faster rate.??I was laid off for close to six months but i was never late to any of my creditors.? Now that I am back at work I am trying to catch up with my goals for being debt free.? By getting a lower interest rate on this consolidation loan I hope to add as much as $50 do the principal of these debts instead of the interest.

My financial situation:
Like most of you I am working to improve my credit.??I was well on my way until I got laid off.? It was a major set back during that time but I never made a late payment.? All of my bills are current and I intend to pay this loan off as quickly as I can.? I have been putting in extra hours at work and making sacrifices in order to get ahead.???

Monthly net income: $ 5600

Monthly expenses: $ 4440
??Housing: $ 0 Paid in full
??Insurance: $ 250????
??Car expenses: $ 450
??Utilities: $ 250
??Phone, cable, internet: $ 140
??Food, entertainment: $ 300????
??Clothing, household expenses $ 350
??Credit cards and other loans: $ 2200
??Other expenses: $ 500

30 yrs' high FICO - poof! Not my DQ

$11,000 monthly income (rentals+earnings).
Perfect payment record.

I always pay on time and have never had a delinquency (not even a "30-day" in a 35-year credit history). The HR rating is due to an inaccurate delinquency: the California Education Foundation is to pay my student loan. (But hasn't.) I'm working on getting that removed.

High medical deductibles and copays from a car accident and surgeries have maxed out my credit. After decades of keeping up the highest credit scores, I've slid the last couple years (high balances) and I?m now just making it with the new CC increases. I?ve had two Prosper loans - both with perfect payment records (56 payments) - one just paid off. Past Prosper loans had funded the remodeling of my four vintage rental units in the SF Bay area, resulting in higher rental income ($4600).

I?m a hard-working, responsible health professional employed parttime as Clinical Manager and supervisor of a staff of 5. I also have a busy private practice. I?m well-respected professionally in my region, and I have recently been awarded health profession state education grants to repay my student loans.

If you?d like to know more about my current budget, current downhill slide, or future plans, please contact me via Prosper.

Thank you for considering my need.

Credit Card Payment

Purpose of loan:
Pay down credit card balance.

My financial situation:
I am a responsible spender. I will also be getting a part time job for some extra cash.

All current expenses are being covered by my student loans which does not need to be paid back until I'm out of school four years from now.

Pay off Credit Cards

Purpose of loan:
This loan will be used to pay off two higher interest credit cards.? The reason I came to Prosper for the loan is because balance transfers are harder to come by these days.? Banks are getting a lot tighter on their credit policies.? I recently had 3 or 4 credit lines pulled because I had not used them in a long time.? This has caused my credit score to drop a little bit and it looks like my debt to available credit is really high.

My financial situation:
I am a good candidate for this loan because I have NEVER been late or missed a payment in my life.? I have a good job, good income, and will pay back the loan in full.? You will ALWAYS get your money on time.

Property rehab

Purpose of loan:
This loan will be used to? rehab a 4-unit multi dwelling home that needs windows, carpet, painting,?coined operated laundry facilities, appliances and an 100 AMP service electrical upgrade.

My financial situation:
I am a good candidate for this loan because? I own several properties that are producing income and I will yield 2400-2500 a month on this project once it's completed.? 600 x 4 units plus 20-100 a month in coins from laundry facilities.? The tenants pay all of the utilities.?
Monthly net income: $ Other income propery(4541)?Job monthy?income (4333) + completion of this property (2500) = 11374

Monthly expenses: $?3340
??Housing: $?1115
??Insurance: $ 97
??Car expenses: $100-?145
??Utilities: $ 234
??Phone, cable, internet: $ 250
??Food, entertainment: $ 350
??Clothing, household expenses $?400
??Credit cards and other loans: $ 450
??Other expenses: $ 200

Consolidating Credit Cards

Purpose of loan:
This loan will be used to consolidate higher interest credit cards. ?We will use the net yield to start an aggressive college fund (as we have four kids)?

My financial situation:
This will be my second loan from Prosper and all my lenders will attest to my excellent payment history.? We are financially stable with great jobs in strong companies in growing sectors of the economy?(together we make over $160,000 gross) but would really like to consolidate our high yield cards and start aggresively putting money towards a college fund. We are good candidates for a loan as we are also rebuilding our financial lives from slow growth entrepreneurial ventures.

I am an RN who has worked in labor and delivery in several hospital settings and now I work in a lucrative fertility practice.

Monthly net income: $ 10,500
<ul>
<li> Monthly expenses: $?
<li>Housing: $ 2000
??<li>Insurance: $ 85
??<li>Car expenses: $?401
??<li>Utilities: $ 450
??<li>Phone, cable, internet: $ 200
??<li>Food, entertainment: $ 550
??<li>Clothing, household expenses $ 200
??<li>Credit cards and other loans: $?950
??<li>Other expenses: $ 1700
</ul>

Thank you for bidding.

Personal Loan needed

Purpose of loan:
This loan will be used to finish building a deck on my house, pay off a couple of credit cards?and to purchase a new television. The one I had before went on the fritz and was too expensive to repair.

My financial situation:
I am a good candidate for this loan because I pay all my bills on time. I have an excellent pay history.
Monthly net income: $ 3400

Monthly expenses: $
??Housing: $ 935
??Insurance: $ 100
??Car expenses: $120?
??Utilities: $ 80
??Phone, cable, internet: $100
??Food, entertainment: $ 200
??Clothing, household expenses $50
??Credit cards and other loans: $50
??Other expenses: $

Need CA$H for boat transport

Purpose of loan:
This loan will be used to transport my grandfather's 1971 Mariner Ketch from Solomans Island Maryland?to Las Vegas Nevada.? ?He recently passed away and my family and I received the boat as an inheritence.? It is costing us money to store it in Maryland, $240.00 per month.? Its value at last appraisal was $27,000.? We would like to move it to Nevada where I have plenty of room to store it at no cost.? I haven't decided to keep it or sell it but I think long term plans at this time are to sell it locally in Nevada.?

My financial situation:
I am a good candidate for this loan because our income is higher than what appears on check stubs.? My wife is a poker dealer and makes cash everyday.? I work at a large Las Vegas Strip casino as well.? We both have stable jobs.? Unfortunately, my wife and I had to fix my Infiniti G35 which drained the savings account a bit.? Our credit is mostly maxed out because of a surgery my wife needed in 2008.? Because our debt to income ratio is low, there aren't too many banks that will give us?a loan.?

Monthly net income: $ 2500 for me and 3800 for my wife

Monthly expenses: $
??Housing: $ 1199????
??Insurance: $108.00 homeowners
??Car expenses: $ 275 payment 185 insurance
??Utilities: $ 400
??Phone, cable, internet: $ 160
??Food, entertainment: $ 600
??Clothing, household expenses $?200
??Credit cards and other loans: $?1000
??Other expenses: $ 240 boat storage

paying off credit cards

Purpose of loan:
This loan will be used to? Pay off some credit cards that the interest rates have been raised on?even though my credit is excellent and have never been late.

My financial situation:
I am a good candidate for this loan because? I have never been late on my bills and I am a very responsible individual, My credit is excellent, I rent and it is only $350/Month my only other payments would be a?0% interest auto loan and cheap utilities.

Paying off my Credit Cards

Currently I have several credit cards that I would like to consolidate into one payment. The credit card company has raised my rate by 5 points. I have an excellent credit score as well as an excellent credit history. This loan will make it easy for me to pay off these two cards, and make one simple payment each month. I am a professional with an excellent career/job. Please feel free to contact me with any questions. I will gladly verify income at your request.

Just a little help!

Purpose of loan:
This loan will be used to pay off the remainder of my debts.? To just have one loan to pay back. Should be able to pay the loan back in 2 years instead of 3.

My financial situation:
I am a good candidate for this loan because I previously received a loan from prosper in 2006.? I had no late payments and even made extra payments on ocassion.??My?credit rating with prosper the last time was a C.? They have it now as HR and I am not sure why and rating as a 4.? I am not usre why the rating this time is so bad but?I Promise to pay back?all the funds that are given to me.? I do have? a few delinquent payments?which were in the past (06-07) but for the last 2 years I have been current on all my payments thanks for the help of the previous prosper laon.? Now I am at the home stretch with 3 credit cards left all with balances under $600 and a student loan balance of $550.00 and 2 other items that is on my credit report totaling $315.00 and to catch up on my home bills..? I just want one?payment?so my mind can be at ease.

Thank you?in advance for your help.??

Monthly net income: $ 2400

Monthly expenses: $
??Housing: $ 1100.00
??Insurance: $ 2300.00?
????Car expenses: $470.00
??Utilities: $ 250.00
??Phone, cable, internet: $?250.00
??Food, entertainment: $?300.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 300.00

Fix up a duplex, expand my business

Purpose of loan:
This loan will be used to?to fix up a duplex I own free and clear. Also, expand business by direct mailing.?

My financial situation:
I am a good candidate for this loan because?Never been late with any payments?

Monthly net income: $ 6000

Monthly expenses: $ 4260
?Housing: $ 1400
??Insurance: $ 250
??Car expenses: $ 450
??Utilities: $ 320
??Phone, cable, internet: $?280
??Food, entertainment: $460
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 700
??Other expenses: $ 250

student loan

Purpose of loan:
This loan will be used to? help for for books and finish paying balance on tuition?

My financial situation:
I am a good candidate for this loan because? I am trying to continue my college education while still continuing to work. I applied for a different position where I am currently employed and was told? I did not get the position because I needed my bachelor degree. I am a hard worker and I try to pay my bills on time. I am the only source of income for me and my family ..I know I can repay this loan I just need a chance to better my financial situation.
. .
Monthly net income: $
$55,000
Monthly expenses: $
??Housing:?1055 ( insurance included)
??Insurance:?
??Car expenses: $ 588
??Utilities: $ 100
??Phone, cable, Internet: $ 200
??Food, entertainment: $ 150
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 7000 ( co-signed loan with ex husband not sure?balance)
??Other expenses: $ none

Paying off a high interest loan

Purpose of loan:
This loan will be used to pay off a high interest loan.

My financial situation:
I am a good candidate for this loan because I have a very good job and is looks to be stable through this recession. I have not missed a payment on any of my debts since a couple of years ago, but that was because I was on vacation and thought I had paid it.

Monthly net income: $ 2,700.00

Monthly expenses: $
??Housing: $675.00
??Insurance: $165.00
??Car expenses: $100.00
??Utilities: $150.00
??Phone, cable, internet: $75.00
??Food, entertainment: $150.00
??Clothing, household expenses $250.00
??Credit cards and other loans: $800.00
??Other expenses: $

Reduce rate on my 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?
I make my payments on time each month and try to pay more than the minimum payment.
Monthly net income: $ 2500

Monthly expenses: $ 1410
??Housing: $ 480
??Insurance: $ 30
??Car expenses: $
??Utilities: $ 150
??Phone, cable, internet: $100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 450
??Other expenses: $

We need a new roof!

Purpose of loan:
This loan will be used to re-roof our house - it has begun leaking due to high winds in the area.?

My financial situation:
I am a good candidate for this loan because I am a stable family man who now works for a very stable company.? We bought our house through owner financing (a former rental)?as a fixer upper in 2007.? We?invested most of our savings into the house as a downpayment and into the interior remodel,? Shortly after, my company was sold to a larger firm and closed, which resulted in a lengthy period of unemployment.??Naturally this used up the remainder of our savings.? Luckily I was able to land a better position with a market leading franchise company?in my field and?our positioning has allowed us to gain share even in this economic downturn.??My wife and I?have saved a little over $2000 towards the cost of the roof but need more to complete the job? Our plan was to replace it in 2010 but a recent high wind event in our area resulted in a number of leaks.? Our best guess is that the roof is about?30 years old.? If we can't get a loan we will eventually have the money saved by next summer, but ideally the roof should be replaced as soon as possible.

We have some bruises to our credit and are paying off our credit cards via a counselor. We?have never missed or been late with?a payment since we started the program almost two years ago.? We also have never been late with our car payments or mortgage (and prior to that our rent) going back many years.? The main reason our credit score is around 650 is the appearance of excess credit usage versus overal credit lines.? But, our credit lines were frozen when we entered the credit counseling plan.? Note that we entered this plan to keep from defaulting on our debt and are still paying about 10% interest (rough estimate - some are higher some are lower) on those accounts.? Also, during the start-up of the program some payments were delayed so we have a couple late payments showing which really weren't.? It wouldn't have been an issue since our plan was (and is) to not accumulate more debt and eventually be debt-free.? However, Mother Nature intervened and now the new insulation I added last year in the attic is getting wet!?

Monthly net income: $ 4045 + mileage (+/- $800 per month)

Monthly expenses: $
??Housing: $ 485 + $120 taxes
??Insurance: $ 162 including vehicles
??Car expenses: $ $467
??Utilities: $ 360
??Phone, cable, internet: $ $33 cable, phone and internet paid by employer
??Food, entertainment: $ 400
??Clothing, household expenses $?300
??Credit cards and other loans: $ 865
??Other expenses: $ 155 cell phones for kids

Consolidate High Interest Debt

I would like to pay off one of my credit cards, transferring the money from revolving to installment. This way I?will eliminate that debt in three years.

My first plan of action was to call the bank and?ask them to?at least lower my interest rate. They?declined.?My?subsequent plan of action is to shift?the balance?from revolving with an open-ended time frame to installment with a much shorter time frame.

I would love to use a Prosper loan to pay off my card because then I will?have paid it off in three years, and?also because then private investors like you will be able to reap the rewards.

I have no blemishes on my credit ? not a single 30-day late or anything like that.

I have been a great Prosper customer. I have one paid loan and?another current loan. I have never been late.

As my credit continues to improve and my income rises and my writing efforts pay off, I would love to take advantage of this momentum and spend the saved?principal on marketing my creative wares in the following ways:

I would like to establish a more sophisticated Web presence, work on search engine optimization, buy more ISBN numbers. I would also love to be able to see not just my ESL book inch its way closer to market, but all of my other?books as well.

I teach high school English. I work overtime during the school year and also during summer in order to keep my income levels high. I also coach actors.

Additionally, I?write a regular column for examiner.com.

My monthly gross is $8,377. My monthly expenditures are?approximately $6,000 ??some of which is high interest, revolving debt?repayment that I am working on both whittling down and turning into short-term installment loans.

By?refinancing just this one credit card, I will have thousands in saved interest and principal that I may?spend on the following: Web site development,?Search engine optimization, ISBN?s, other higher interest debt and more time to market my writing via Twitter, Digg, Stumbleupon,?etc.

Importantly, I will have the peace of mind knowing that I will be paying it?off in?three years.

Feel free to affirm my creative potential by visiting:

My classroom Web site: http://www.webstaclecourse.com

And my comedy column: http://www.examiner.com/x-6002-LA-Comedy-Examiner

I appreciate your consideration. Hopefully you can see from my credit history, my Prosper accounts, my perseverance and my potential that I am a good bet.

Monthly expenses: $ 5965
??Housing: $ 1695
??Car/insurance/maintenance/gas expenses: $?650
??Utilities: $?60
??Phone, cable, internet: $ 120
??Food, entertainment: $?440
??School supplies, household expenses $?180
??Credit cards and other loans 2700
? Charity 120

Masters Degree International Health

Purpose of loan:
This loan will be used to finance?the remaining amount of money due?on?a Masters Degree in International Health for my wife at the University of Heidelberg, Germany. This school is the oldest learning institution in Germany but it is not a US title IV approved school and?thus US financial aid is not available. My wife has been accepted into this graduate program as the the first American candidate to do so- and she has tuition due in September. The initial deposit of 5,000 has been paid and this loan amount will cover the entire remaining costs of tuition for the program. Previously unknown to us was that US student financial aid would not be available, along with a $5,000 Americorps scholarship my wife earned performing one year of volunteer Americorps service last year (also due to the university here not being a title-IV school). We currently live here in Germany while we perform contract work and support for the US military.

My financial situation:
We are good candidates for this loan because I am a clinical psychologist employed by the Dept. of Defense and I have continual earning power based on a contract with a Fortune 250 company. In addition, we have?an another existing small loan on Prosper of which there have been consistent on time payments for 13 months since the onset of the loan. You are making money off my circumstances and that is just fine for a few more years because I see the bigger picture. The degree will enhance my wife's earning power both within the military and also within opportunities to work for the UN. We are responsible individuals that value higher education and hard work. My wife works full time until school starts and has part time work lined up during the school year. I see all my accounts in good standing. I am unable to determine why there is one negative on the report, but it may be my student loan consolidation after my own graduation?and such account was delayed via processing but?it is not delinquent. Finally, I fully anticipate selling?a second vehicle that we no longer need in order to complete full payment of my other Prosper loan within 60 days. These things can be used as a future witness of further loan credibility in your decisions to fund this loan.

Monthly net income: $ 60,000

Monthly expenses: $
??Housing: $ 540.00
??Insurance: $ 55.00
??Car expenses: $?Gas: 75.00 We drive a 1998 BMW CNG hybrid.
??Utilities: $ 45.00
??Phone, cable, internet: $ 80.00
??Food, entertainment: $?N/A
??Clothing, household expenses $?Provided
??Credit cards and other loans: $ 400.00
??Other expenses: $ N/A

Startup of a donut shop

Purpose of loan:
This loan will be used to obtain inventory and prepare a space to open a doughnut shop franchise.?

My financial situation:
I am a good candidate for this loan because I have?possession of all necessary equipment and furniture to start the shop.? I plan on opening this shop in a highly populated area where there are currently no doughnut shops available.?The doughnut industry is currently growing during these economic times.

Lower Monthly Payments

Purpose of loan:
To pay off?expenses I had to incur this past year. I took a pay cut last year?to cut expenses, in order to save the?jobs of?our line employees.?

My financial situation:
I am a good candidate for this loan because I credit score of over 700! I always pay my bills on time!

I first want to thank all the potential lenders for your consideration. I am a?executive for a company in Mississippi, that's home base, is in Las Vegas. I am a single mom, and have 2 great kids ages 15, and 8. I need of a debt consolidation loan to lower my monthly payments. I have had to incur some additional expenses this past year. Do in part by my company asking that I take a pay cut. This pay cut was only temporary to cut back on payroll expenses, which saved some of my staff from losing their jobs. I am very dedicated to my staff and gladly made that personal sacrifice in order to protect their livelihood. The company is now back to being financially stable due to the fact that every employee was?dedicated in cutting expenses in every way, without sacrificing service. Policies that are now permanent part of our company. I am a good candidate because I am a dedicated mom and a trusted?peer. My goal is to provide my family with financial stability and to become a lender with Prosper so that I can?give?others the same opportunity you will be giving my family. "Dedicate some of your life to others.Your dedication will not be a sacrifice. It will be an exhilarating experience because it is an intense effort applied toward a meaningful end". -Dr. Thomas Dooley.

2nd Loan-Never Late...Expanding bus

Purpose of loan:
This loan will be used to?
Fund equipment purchases?to expand?landscaping business.
My financial situation:
I am a good candidate for this loan because?
This is my second Propser loan.?The first loan has been open for almost 2 years and all payments have been made on time.?The business that I started has taken off and I now have two employees.?I am looking to purchase a company vehicle, as well as additional landscaping equipment.?I still work part-time for my former boss. I have known him for over seven years and he continues to guide me?with my business.? I am young and still establishing my credit, which is why I am turning to Prosper for this loan. ?

Monthly net income: $4,500.00

Monthly expenses: $
??Housing: $ 250.00
??Insurance: $ 450.00
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 150.00
??Other expenses: $ 0