Pay Down More Revolving Debt

Here's a quick summary of my first two loans for those who don't have time to go back:
-Got sick while in college and ran up debt for doctor visits and procedures
-After getting healthy started working in collections
-Have now worked at State Farm corporate headquarters for almost five years
-Got first loan and organized debts, decreased APR's, refinanced home
-Got second loan to pay off the first to decrease payment amount and APR
-Have been paying down debt ever since

As you can see, since my last loan I have paid down a great deal of debt. Now that banks are raising rates to astronomical numbers, I feel it would be best if I converted some more of that debt into a fixed interest loan. My situation is nearly exactly the same as my last loan with a few exceptions:

-Less debt
-Increase salary
-Much lower APR's on revolving debt
-I am now back in school while working FT
-I have a $1500 money market account for an emergency

Most of my debt right now is at a fixed rate because I took advantage of some balance transfer offers (for the life of the loan) knowing that rates would rise, so this will cut into the remaining. This will pay off one credit card at 23% APR (just got jacked up for no negative reason). The average APR of my debts now is about 8%. I want to keep it around 10%.

For reference, I am NOT paying off my current loan with this one. I may be paying it off with my tax refund at earliest.

Feel free to ask any questions, but that should cover it!

paying off my credit cards

Purpose of loan:
Pay off personal credit cards that have been used for business expenses for the last 5 1/2 years, and increase our cashflow.? As a result of the problems the banks have come across, they have lowered our credit limits by $18,000.00 in the last few months.? This has affected our ability to do business and lowered our credit scores.? This loan will be used to pay off our cards and create the ability for our business to grow.

My financial situation:
I have never been late, or missed any payments.? My credit score is what it is because we are close to my limits on my credit cards.? If we get this loan my score will jump into the mid 700's.?

Monthly net income: $ 20000

Monthly expenses: $
??Housing: $ 4200
??Insurance: $ 500
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 1400
??Other expenses: $

Debt Consolidation

Purpose of loan:
This loan will be used to consolidate and pay off my credit cards.? My actual credit score is 698. I just ran this prior to joining Prosper.? I am not sure how Prosper does their rating system, but I am not a D.? Currently, I am paying out over $1000 a month and not seeing the results that I want to see in my credit card balances.? I used to own a business and when I decided to close it down, I was faced with a very tough decision: file for bankruptcy and take the easy way out or use my credit cards to cover my responsibilites and try to pay them off over time.? I chose to be responsible and have been paying the price ever since.? I have looked for help from banks and other financial institutes, but nothing ever seems to work out.? I am hoping that this will be different.

My financial situation:
I am a good candidate for this loan because have a full time job and am employed by one of the largest general contractors in the nation.? I make my payments on time and pay more than the minimum amounts.? My goal is to pay this loan off as quickly as possible and start a new chapter of my life being debt free.

Monthly net income: $ $3700

Monthly expenses: $
??Housing: $?915
??Insurance: $ 210
??Car expenses: $ 410
??Utilities: $?165
??Phone, cable, internet: $ 125
??Food, entertainment: $ 200
??Clothing, household expenses?
??Credit cards and other loans: $?1300
??Other expenses: $

Debt Consolidation

Hello, I am a very?hard working?individual and I consider my credit rating as very valuable to me as you can see by my rating and credit score. Also, I took out?a 3 year $15,000 loan with Prosper over 2 1/2 years ago (now only 5 payments left) and have not missed or been late on even one payment.?Therefore you will not have any problems as far as receiving the money you loan back from me. I hope you will loan me this money for the purpose of doing some wise debt consolidation. Many thanks and I wish you much continued success!

Buying Stock in a Bank

Purpose of loan:
This loan will be used to finance the purchase of stock in a bank, which will be opening soon.

My financial situation:
I am a good candidate for this loan because I have paid off my residence and all of my cars and carry very little debt.? I always pay my bills on time and sometimes early.? In addition I have both a full time job (listed above) and a part time job.

Paying off credit cards

Purpose of loan:
I am requesting this loan to payoff?the balance of 2 credit cards that have high interest rates so that I can continue to pay off my debt.? One credit card is $9500 with estimated monthly payment of $350 and the other is $15500 with monthly payment of almost $600.? With the way the credit card companies have currently started punishing their customers I will never get the cards paid off based on these minimum payments.? With this loan I will have both paid off, closed and my new Prosper loan paid off in 3 years.? The good thing is that this loan will equal or be lower than my current minimum monthly payments.

My financial situation:
I have a good credit history with many trade lines of repayment.? I am in sales and my income is steady.? I have beeen with my current employer for 3 1/2 years and am in a very stable industry.? My wife also works and brings in a steady income to have sufficent income to repay this debt.? I am a small time Prosper lender and look to increase that as I payoff this loan. I feel like you will get a good return for your investment and it will be safe.? I work too hard to keep my credit in lineto let it go down.? I used to work in the banking industry so I know the value of good credit. I do have high credit card balances due to a combination of my wife losing her job in 2008?and I was involved in some real estate business (no longer involved) and was selling my final properties in 2008.? With my wife out of work then we had to rely on some credit cards to keep up with the cost of living, plus I mistakenly used some credit card balance transfer to finish paying outstanding debt to complete my withdrawal from the real estate business.? I am no longer involved in any outside businesses other than my current long time job, my wife has been back to work since November of 2008 and we are having to recover by paying down all the debt we built up last year.? I was able to payoff one of our cars this year with our tax refund, also my student loans, and just finished paying off a Prosper loan I obtained in June of 2007.? Since I paid off the Prosper loan I figured it was a good time to return and try to get a consolidation loan to get the credit card debt paid off. I hope to have this loan paid off and continue with the rest of my debt.?
Monthly income: $5500

Monthly expenses: $
??Housing: $2000??????
??Insurance: $250
??Car expenses: $350
??Utilities: $200
??Phone, cable, internet: $150
??Food, entertainment: $400
??Clothing, household expenses $ 200
??Credit cards and other loans: $500
??Other expenses: $

New Orders pending for my book

Purpose of loan:
My LLC is preparing to release a new children's/gift book, for which we already have a proposed order of 2500 copies from a major Christian retailer with 150 stores.? In order to increase profit margins, we need to order higher quantities of books.? We would prefer to order a minimum of 5000 copies of the Christian version of this book with the hopes of sell-through as part of a Mother's Day 2010 promotion with the aforementioned Christian retailer.?

Additionally, we wish to print and market approximately 5000 copies of a general public version of this book, to be marketed initially online through Amazon.com, Facebook, and other non-traditional media outlets.? Again, the per book cost for manufacturing 5000 copies is nearly half the cost of 1000 copies.?

We believe, based on the initial response from retailers and test-marketing, that this book will be a valuable product for years to come.?

My financial situation:
I am a good candidate for this loan because I have a well-established credit record that includes previous ownership of three real estate properties, numerous revolving credit lines, and a record of paying on time.? I am also a Christian who prides himself on acting with integrity in every aspect of my personal and business life.? Thank you for your time and consideration.

Mini Cooper!

Purpose of loan: I have used Prosper to readjust my transportation needs. First loan was for a commuting bike, and I got a great deal a year and a half ago on a 2006 Mini Cooper that I couldn't pass up. I put mostly cash down and had planned to use a Prosper loan for the rest, and then the SEC shut Prosper down for a time! This is what I have left to pay, and would rather pay you than the bank. This is the only debt that I have. I put things on credit cards to get reward points and pay them in full every month. Over 20 years at my job. Great risk. Thanks for your consideration.

Broaden my company

Purpose of loan:
This loan will be used to?? Broaden my company to make termination, remodeling and installation of carpentry? for houses and buildings.

My financial situation:
I am a good candidate for this loan because? I have to pay with my own company

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

Monthly expenses: $?
Housing: $ 2000
Insurance: $ 85
Car expenses: $?401
Utilities: $ 450
Phone, cable, internet: $ 200
Food, entertainment: $ 550
Clothing, household expenses $ 200
Credit cards and other loans: $?950
Other expenses: $ 1700

Thank you for bidding.

Consolidate

Intent:? Debt Consolidation& Raise Credit Score. I am a good candidate for this loan because I have become totally obsessed with my credit and have worked very hard to get where I am at. I don't want to ruin what I have worked so hard to achieve.?I would like to be AA credit within the next 2 years. You will not be disappointed if you invest in me. This loan will be "TOP PRIORITY".? Plus the fact that I already have a loan with Prosper that has been on time every time!


Purpose of loan:Monthly net income: $ 2200.00

Monthly expenses: $?1879.00
??Insurance: $ 62.00
??Car expenses: $ 500.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 208 (varies)
??Clothing, household expenses $ 208 (varies)
??Credit cards and other loans: $800

I do not have to pay for housing. I moved back home when my Dad passed away. My Mom requires help because of an eye condition which has left her with no center vision. I am her eyes.?I do ,however, help with all household expenses.

Mixed Loan Nurse and Home

Background Information

I am currently an LPN and I have been taking night classes to obtain my higher paying RN License. I have finished my last class for the RN License and now need to take my clinical, which must be taken before taking the state RN License test.? Once I pass the three day clinical I will take the state test and have my RN.

I also need to finish our roof as it is over 15 years old.

This loan will be used for?three different reasons as?described below:

First?

$800 of the loan will be used to pay for my clinical.? I intend to pay much more then the regular installment amount by higher pay as a result of receiving my RN License and I will apply my tax refund after this year towards?this portion of the loan.

Secondly?

Our roof is 15 years old and will cost $2000 to replace.

Thirdly?

I need $1700 to pay of my higher interest credit cards.

All three of the above statements show how this loan will be used and how we intend to cover the loan payments.?

My credit is excellent and should allow us to have a competitive rate. 740 - 760 credit rating and I own my own home.

Also my other credit card debt is a?care credit card with 0 apr as my bridge broke two months ago.

Thanks for your help!

Pay Off Credit Cards/Bad Luck

Purpose of loan:
This loan will be used to eliminate some debt that?I was trying to eliminate prior to a lot of bad luck happening.? The bad luck would be:? hitting a curb on an icy day and causing a $1,000 worth of damage to my car, pouring $600 into my car to go out of state to help a relative who was having heart surgery only to have a timing belt take out my engine a month later.? My car died which resulted in me having to get another car.? I realize that I caused the debt and will do my best to pay it off.? I made the mistake a lot of college students make, I fell back on plastic more than once.?

My financial situation:
I am a good candidate for this loan because I am hard working.? I have been selling books and other miscellaneous items online in an attempt to get back on track financially.? I have never declared bankruptcy.

Monthly net income: $ 1833.00

Monthly expenses: $
??Housing: $?50
??Insurance: $ 191
??Car expenses: $?323
??Utilities: $ 20
??Phone, cable, internet: $ 200
??Food, entertainment: $?100
??Clothing, household expenses $ 40
??Credit cards and other loans: $ 1539
??Other expenses: $ 130

My situation is getting better!!

Purpose of loan:
Hi, thanks for reading!? This loan is an effort to obtain a lower interest rate than my other Prosper loan.? I took out a prosper loan over a year ago (3 year loan, down to 2 now.)? I have paid great amounts on it, I have bettered my financial situation in many ways, I make more money now, etc etc!? Anyways, that loan is around 28%...high... looking for something more reasonable now!? I know that may sound silly to some (why would you give me a lower rate when I am the one paying you...) but hopefully people can lend a hand and help me continue to improve my situation!

My financial situation:
I am a good candidate for this loan because? I pay ON TIME (check my other Prosper Loan).

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 450
??Insurance: $0
??Car expenses: $ 30
??Utilities: $ 80
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 700 (Student Loans!!!)
??Other expenses: $ 0

medical bills

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because I?pay my bills on time and this is my second Prosper loan with the first having no late payments.? I recently had major knee surgery and then followed by a broken leg?and am in a full leg cast.? The broken leg came 3 weeks after the knee surgery and this has been quite a hit to our bank account and savings.? This loan will be used to pay remainder of bill.?My spouse also works but it is not reflected in the monthly net income.? Thank you.

Monthly net income: $ 2400

Monthly expenses: $
??Housing: $ 800
??Insurance: $
??Car expenses: $ 251
??Utilities: $ 150
??Phone, cable, internet: $ 50
??Food, entertainment: $ 50
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 100

Business Upgrade

Purpose of loan:
This loan will be used to buy an equipment for my business to increase clientele. I own a Med Spa and no matter how is the economy women always want to look grate.

My financial situation: ? I????


I am a good candidate for this loan because..

.
1. I have a very good full-time job (software engineer) earning?$96,000/yr?


2. My mortgage is only $1400


3. My car paid


4. My wife car is also paid


5. We only have $300 in utilities

Small Wind Green Energy Project

Purpose of loan:
This loan will be used to install a small wind energy generation system.

My financial situation:
I am a good candidate for this loan because I am a self employed professional with steady income and a desire to invest in our environment and local economy.

Second prosper loan

Purpose of loan:
I have just graduated from an undergraduate program with a degree in Secondary English Education. As you all know, jobs are hard to come by these days and I haven't had any success in my job hunt for a full time teaching position. I did get accepted into substitute teaching position with great potential and am still bartending at the same restaurant that I've been at for almost 5 years. I would like to use this loan to help pay back some money that I've borrowed from family for my school finances (books, transportation, etc.) without having to worry if I don't get called in to substitute one week or the bar is slow the next. I would also like to take my boyfriend on a trip to an International Animation Festival in Canada because he just graduated with a degree in Animation and Illustration and this would help boost his chances at finding a job in his field.

My financial situation:
I am a good candidate for this loan because I am a bartender, waitress, and shift supervisor at a busy restaurant and have been for almost 5 years. I have a second job as a substitute teacher and have been successfully paying off my other Prosper Loan and credit cards on time and with no problem. Both of my current jobs have the potential for increased benefits and pay in the coming months. For instance, a bar lead position is opening up and private tutoring is often an option with substitute teaching,

Monthly net income: $ 1200 (average)

Monthly expenses: $
Housing: $525
Transportation: $50
Utilities: $ 50
Phone, cable, internet: $ 100Credit cards and other loans: $ 250

Hello Freedom from Debt!!

Hello again Friends!

This loan will be used to continue to pay?down my debt and credit cards.? Once you fall behind in payments, its so hard to catch up - so cash flow is so life-saving.

Things have improved so much in the past?year and a half.??? After I received my first?Proper?Loan, I was able to catch up on?credit payments, get my own place and finally get my belongings out of storage! What a?relief.

I have always had consistent employment = I began my professional career with a major public broadcasting organization where I received many promotions and was employed for 15 years.? I moved on to a major international humanitarian organization where I spent 4 years, and one of them over in south east Asia working to implement programs to assist tsunami survivors.? I still working with a well known faith based organization.? I'd appreciate your consideration in continuing to regain my life at 45-ish!

Monthly net income: $ 4,200 (I got a great raise last year!)

Monthly expenses: $ 2,800
??Housing: $1100
??Car Insurance: $95?
??Car expenses/Gas: $200?
??Utilities/cellphone: $150
??Food, entertainment: $200
??Clothing, household expenses $200
??Car?loan : $450 (only 5 more payments)
??Other expenses/loans:? $405

Thanks for your consideration and continued support.

the oliverian school

Purpose of loan:
This loan will be used to assist in making tuition payments to my daughter's private high school.?????

My financial situation:
I am a good candidate for this loan because I own a home, have never defaulted on any loans and/or credit cards.? My home mortgage is paid by my ex-husband as court ordered in our divorce decree in January 2008 -? Although I am on our current home mortgage (which is reflected in my credit history), I am not financially responsible for this mortgage.
My exhusband, and father to the referenced high school student, is willing to assist in tuition payments.

Pay off credit cards

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.

medical

Purpose of loan:
Medical expense

My financial situation:
I am a good candidate for this loan because i have a secure job.

Monthly net income: $ 10500

Monthly expenses: $
??Housing: $ 900
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 80
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 200

Paying off credit cards

I want this loan to pay off a few higher intrest credit cards. My credit is really good. I always pay my bills on time.

My financial situation:
I am a good candidate for this loan because? I am a homeowner. I have been in my profession for over 17 yrs. My credit is very important to me.

Second loan- Payoff Credit card.

Purpose of loan:
This loan will be used to?
Payoff the balance on my Chase credit card.
The interest rate is way high.
I will also be paying off some doctors bills (about $500)

My financial situation:
I am a good candidate for this loan because?
I always pay my bills. Either I pay you or I pay the credit card company.
I would rather it be you.

2nd car

Purpose of loan:
This loan will be used to?buy?2nd car?????????

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

Monthly net income: $ 2800.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 100.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 125.00
??Credit cards and other loans: $ 750.00
??Other expenses: $ 250.00

Pave the way to the SBA!!

Hello! Thank You for taking the time to read my loan request!?My wife and I recently moved from CA to Tennessee! Our main reason for doing this was the raising of our girls.?A close second is that as a chiropractor, reimbursement is much higher while business expenses are lower. I currently work as an independent contractor while I build my practice and patient base.

LOAN PURPOSE?
My desire is to open my own?office and in order to do that, I need to get a small business loan. To qualify for a decent loan, I need to raise my credit score. I can do this by dropping the current balances down below 50%.

We would like to pay off our current Prosper Loan. We?received a Prosper Loan of $8500 in 2007. We have never been late on any of our payments and intend to continue this trend with this new loan as well.?

We have a current combined running balance of about $22,000. With a loan of 13,500 we can pay down the credit debt below %50.



EXPLANATION OF CREDIT PROBLEMS
We have one public record on our credit history. In October of 2005 we filed bankruptcy.? We started our own business?seven years ago. They say most businesses that don?t succeed after year one, won?t succeed. Unfortunately, we validated that statistic. We tried for two years, then subleased our space for the remaining three. We had two separate tenants, both broke their leases. We did not want to break our lease and honored our monthly rent of $2950. We finished our lease on good terms with the owner because we honored our debt to him. However, it caused us to run up huge amounts of credit card debt in order to accommodate for that check each month. We were absolutely drowning and had no other option but to declare bankruptcy. Up to that point we were never late on any payments. There is one delinquency on record and to be honest, I have no recollection whatsoever as to what that might have been for.

Since the bankruptcy we have opened other accounts. With our accounts paid on time each month we are in good standing. We are never late paying rent, household bills or any other expenses that arise.

BUDGET

?My Income:? $57,000

Expenses Before Prosper Loan:
?? Credit Cards/Loans: $250
?? Rent:? $2050
?? Car Payment: $325
?? Insurance: $75
?? Utilities: $275
?? Food: $800
?? Prosper: $329
?? TOTAL EXPENSES: $4104


Changes After Prosper Loan:
?? Prosper Loan: $1500
?? Credit Cards/Loan Paydown: $7500
?? Propser Loan Payoff:? $3000 (approx.)
TOTAL EXPENSES: $10400
?? LEFT OVER: $3000?
***Surplus to be used to lower higher interest cards more than %50

Thank you for reviewing my request!? Please let me know if I can answer any questions. We are honest, hardworking people and are truly in need of this loan.
Thank you for your time and consideration.

Lesson Learned..Time to fix credit!

Purpose of loan:
This loan will be used to clean up my family's credit situation. After moving to Wisconsin from Texas my husband had 2 major surgeries within 3 weeks. The entire profit of the sale of our house went to paying for our living expenses while he was unable to work. After 3 months of taking care of him and our son, I got a job with the government and we have been trying to get on our feet ever since. 6 months ago my husband got a full-time position with the county. During the past year and a half we have been struggling to make ends meet and thus have resorted to racking up a massive amount of credit card debt.

My financial situation:
I am a good candidate for this loan because before the surgeries we NEVER were late on payments; nothing ever was delinquent or missed.?Unfortunately, when my husband was sick, i had some dental work done that i completely forgot to pay on. I recently?have finished paying that (it only took a few months) and?am completely caught up and current on everything.??We are now both in a secure job and are able to advance our careers within our companies, so financially we are extremely stable (finally). My mother also lives with us now (basically it was a smarter decision financially for all of us.... all homeowners instead of throwing money away in rent) and contributes to our mortgage payment.


Monthly net income: $6165 (spouse salary included & mom's mortgage contribution)?

Monthly expenses: $?5843
Housing: $ 2143??
Insurance: $?150??
Car expenses: $ 720 (gas and payment)??
Utilities: $?180??
Phone, cable, internet: $ 150??
Food, entertainment: $ 800
Clothing, household expenses $ 100??
Credit cards and other loans: $ 800
Other expenses: $ 800 (daycare)

Need help with medical bills!

Purpose of loan:
Help me pay some medical bills
My financial situation:
I am a for military employee and now am a Deputy Sheriff with Kern County in California.

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 150
??Car expenses: $ 600
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 600
??Other expenses: $

debt consolidation

Purpose of loan:
This loan will be used to??consolidate high interest rate debts so I can lower interest and make one payment thru prosper instead four different payments.

My financial situation:
I am a good candidate for this loan because?even tough i had made?bad financial decisions in the past,? my situation is different.?whether or not I?obtain the loan, It does not affect me. I will continue?making?payments to my? debts regardless, but it will be nice to lower those high interest rate debts!!? So thanks anyways for helping or reading.??????

Monthly net income: $ 4500

Monthly expenses: $?4300
??Housing: $ 1170
??Insurance: $ 120
??Car expenses: $ 356
??Utilities: $ 140
??Phone, cable, internet: $ 120
??Food, entertainment: $ 300
??Clothing, household expenses $ 275
??Credit cards and other loans: $ 1200
??Other expenses: $ 502

payoff credit cards

Purpose of loan:
This loan will be used to?
credit cards interest to high,consolidate
My financial situation:
I am a good candidate for this loan because?
i have a good job and pay my debts
Monthly net income: $
3,730
Monthly expenses: $
??Housing: $ 477
??Insurance: $ 200
??Car expenses: $ 100
??Utilities: $ 140
??Phone, cable, internet: $ 60
??Food, entertainment: $ 450
??Clothing, household expenses $ 300
??Credit cards and other loans: $
??Other expenses: $

Paying off credit cards

Purpose of loan:This loan will be used to pay down our Discover card which is currently at 21.99%.

My financial situation:
I am a good candidate for this loan because I currently have a business loan through Prosper, and I have a consistent and timely payment history. My score has dropped from A to C since the previous loan due to credit card issuers lowering existing credit lines, thus raising my bankcard utilization percentage. I have actually paid down my credit card debt by more than $8000 since my previous loan.

I opened up my own business two years ago, and had to use credit cards to help finance the start-up costs. I have been using DueMinder to help me track and pay off my credit cards and it has worked out very well. The rates on most of my other cards are 5.99% or lower until they are paid off, so lowering the rate on this card will help me pay things down sooner.

Monthly net income (after direct deposit to pension fund): $7500
Monthly expenses: $7500

Housing: $2000Insurance: $200Car expenses: $1100 (3 car payments, one of which will be paid off in October so will lower to $700 at that time with the $400 going towards paying down cards)Utilities: $100Phone, cable, internet: $150Food, entertainment: $400Clothing, household expenses $100Credit cards and other loans: $3000 (monthly commitment I have set up...minimum $$ on most, and the remainder towards the highest interest card)Other expenses: $150Savings: $300

Additional capital for start-up bus

Purpose of loan:
We are asking for a loan to add to our personal funds to capitalize a start-up investment company.

My financial situation:
I?financially support myself though?some investments?I have made throughout my lifetime.?

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $ 0.00, the house?was?paid in full.
??Insurance: $?100
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 85
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 150
??Other expenses: $ 100

Sweating b/c of no A/C!

Purpose of loan:
This loan will be used to repair the A/C unit in my only means of transporation. The mechanic also suggested I needed to get 4 new tires.

My financial situation:
I am a good candidate for this loan because I have a?fun, secure position as an optometrist.

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 100

Relist - Credit Card Payoff

Dear Potential Lender,

I am a 33 yr old Software Engineer and have been in this profession going on 11 years.? I currently have 3 high rate credit cards that I would like to payoff so that I can finally be debt free.?

I am single and have no children (just two dogs) but with the current rates of these cards I am finding it hard to pay them down.? I do own my house which I have lived in for 4 1/2 years and I purchased the house for $258,000 originally.?

I will do my best to outline those credit cards I am going to pay off, which are my only 3 that have balances remaining:

Credit Cards to be paid off
??? Bank of America U-Promise??????? $2,797.76??????????? 28%
????Citibank Platinum Select ???? ????? $5,973.54??????????? 28%
??? State Farm Advantage???? ???? ????? $4,262.72??????????? 28%

My Monthly Net Income? (I have a full time job as well as own my own consulting company)
????Salary????????$7,500????(90k annual salary)? net monthly income is $5200

My Monthly Obligations (besides gas, food & utilites)
????Mortgage???????????? ????$2100
??? Prosper Loan ????????? $500? (last payment is Feb 2010)
??? Auto Insurance???????? $125

Feel ?free to contact me if you have any questions about my profile or this loan request.

Thank you for taking the time to read this.?

Help for the Fall Season

Proven Prosper Borrower looking for a 2ND Prosper Loan?Purpose of loan: I need to pay off my high light bill from the summer, purchase a new computer for school and get my sons list of things for High School.

My financial situation: I am a good candidate for this loan because (1) I am in better shape financially then before my first Prosper loan (still HR) but no delinquent accounts. (2) My credit rating has improved. (3) I have proved that I can and will pay back my loan on time to lenders. /font>Monthly net income: $2,300.00Monthly expenses:
Housing: $800.00
Insurance: $38.00
Utilities: $300.00
Phone, cable, internet: $210.00
Food $200.00
Credit cards and other loans: $ 210.00

Thank you, for your help?

putting in new windows and floors

Purpose of loan:
This loan will be used to? remodel inside of a home i own.

My financial situation:
I am a good candidate for this loan because?i have a 2nd source of income to pay it off!?

Monthly net income: $ 4500 +
Monthly expenses: $
??Housing: $ 1004
??Insurance: $ 100
??Car expenses: $ 500
??Utilities: $ 300
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $ 750
??Credit cards and other loans: $ 400
??Other expenses: $ 200

Expanding existing business ( auto

Purpose of loan:
This loan will be used to? To buy new and better equipment for my auto body and paint shop.

My financial situation:
I am a good candidate for this loan because? I have little or no overhead. I live with my elderly parents so I can help with their care therefore my room and board is $0. I work out of a building that was already on the property (no rent or overhead). All of my present loans have been paid on time with no deliquencies. My business has tripled in the last few months and is limited only by the materials and tools I currently have.

Monthly net income: $ 3500.00

Monthly expenses: $600.00
??Housing: $ 00.00
??Insurance: $ 00.00
??Car expenses: $ 00.00
??Utilities: $ 00.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 175.00
??Other expenses: $ 100

Debt Consolidation

Purpose of loan:
This loan will be used to pay off credit card debts and prudently consolidate that debt. This loan will help to reduce my debt burden which has grown over the past two years.My credit card debt is my Achilles heel at this point and consolidation as well as reducing the interest rates is a priority for me at this point.My payment history with Prosper has been excellent.
My financial situation
This will be my second loan from the Lending Club and frankly my profile as a borrower has been exemplary. My wife and I make good salaries, she being an RN and me, a Six Sigma Practitioner at a Berkshire Hathaway owned company (process optimization and quality improvements).? We are not necessarily hurting for money (since together we make over $160,000 gross) but would really like to pay this outstanding credit card bills that are really variable and relatively high interest rates and move on with our lives. ?We are good candidates for a loan as we are also rebuilding our financial lives from slow growth entrepreneurial ventures. ?Interestingly, we have a new venture that is about to be launched.? It is www.myrollingstocks.com ? This site provides financial information to traders who use the rolling stock strategy to trade.? The site provides information on channeling stocks (growth has been steady. Our other venture has been around since 2001 and has been gaining steam in the past year by gaining access to national distributors such as Kehe Foods and Tree of Life, (www.natureisletropicagourmet.com). This also has vast potential as it expands nationally.? We are in over 400 stores nationwide. It is a line of tropical fruit based condiments, seasonings and sauces.


Monthly net income: $ 9,500
Monthly expenses: $ 7670??
Housing: $ 1920??
Insurance: $ 85??
Car expenses: $ 415??
Utilities: $ 450??
Phone, cable, internet: $ 200??
Food, entertainment: $ 650??
Clothing, household expenses $ 200??
Credit cards and other loans: $?1750??
Other expenses: $ 1700
UTTMA: $500

Pay high interest credit cards

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

I don't understand why I am rated at HR when I have been on time with all of my payments and I am scheduled to pay off my current Prosper loan 9-10 months early.? I have?raised my credit score by over sixty points and?have also?brought down my credit balances from $12,000 to $7,000.?

My financial situation:
This loan will be used to?payoff?high interest credit cards.? I am working hard to bring down the amount I owe on my credit cards but the completx interest rates makes this a very long and hard process. This loan will help by lowering the amount of interest that I am currently paying and will increase my cash?flow? by approximately $500 per each month and this extra money can be used to pay off other credit,?bills and medical expenses.??

I make decent money and I have worked consistently and continuously for the past 25 years, fourteen of them at my current job (Company merged 3 years ago).?

I believe in keeping my?commitments (financial and other) that I make?and I have especially?honored the one that has been financed by regular folks.I am trying to move forward.? Please help me achieve this.? The loan payments would be auto deducted from my checking account .? Please consider me.?Thank you. ??

Monthly net income: $ 3172

Monthly expenses: $
??Housing: $ 400
??Insurance: $
??Car expenses: $?
??Utilities: $ 200
??Phone, cable, internet: $ 185
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses ( support to mom): $ 150

Reduce Credit Cards

Purpose of loan:
This loan will be used to? pay down card balances to allow flexibility to reduce finance charges on remaining balances. I have made progress since last Prosper loan.? This loan will specifically eliminate card that I am currently in the final stages of a $750 per month program.? I will apply the difference between the $750 and the prosper monthly loan to another card which can be paid off in ten months saving another $300/month.

My financial situation:
I am a good candidate for this loan because? I have an excellent payment history on Prosper. No late payments. I am also a small business owner with a growing business having increased my annual net take home pay $10k this year.

Monthly net income: $ 11,000

Monthly expenses: $
??Housing: $ 4,000
??Insurance: $ 350
??Car expenses: $ 750
??Utilities: $ 450
??Phone, cable, internet: $ 250
??Food, entertainment: $ 600
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 3000
??Other expenses: $ 500

Extensive Dental Work

Purpose of loan:
This loan will be used to pay for extensive dental work that I need.? I did not enroll in dental insurance when I began my job in March 2006 so when I went to add it after having a lot of tooth pain and infection, I would have to wait at least a year since I would be a late entry.? I am currently in need of two root canals and crowns after suffering from infection.? The procedures that I need are not within my budget to pay all at once.

My financial situation:
I am a good candidate for this loan because I make enough to make monthly payments on the loan.? I also currently have a prosper loan in good standing.

Monthly net income: $ 3200

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

Paying off all credit cards

Purpose of loan:
This loan will be used to consolidate all my debts.

My financial situation:
I am a good candidate for this loan because I'm currently on track for paying off all my debts, I would just like to pay them off sooner if possible.? Easiest way is to find a lower interest rate so more money can goto the loan principle.

I have a stable job, and I'm good about paying my bills on time.? The delinquency on my credit record is from when I was in the Military, I changed duty stations and one of my statements got lost and therefore I didn't know it was due.