putting in new kitchen

Purpose of loan:
This loan will be used?to try pay down my finances and get them under control?

My financial situation:
I am a good candidate for this loan because?my goal is to?get a handle on my finances and try to obtain my goal. ?

Monthly net income: $
4200
Monthly expenses: $
??Housing: $ 771
??Insurance: $ 100
??Car expenses: $ 500
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $

Consolidation

Purpose of loan:
This loan will be used to consolidate my credit card debt, I have about $6171 dollars in credit card debt, it shows $7800 right now but I have recenty paid it down and it has not reflected on my report yet.

$1475/3100 14.24%

$3689/6100 7.5%

$1008/3000 13.24%

I will use $2483 of the loan to pay off my 14.25% card and 13.24% card. The rest 1591 (4200 - 3% closing fee - 2483) will be paid to my 7.5% card. Depending on the?interest rate?of the loan I receive here I will either pay it off as soon as I have the cash to, or keep it. If I receive less than 7% interest on the loan I will keep it full term, if not I will most likely pay it off as soon as cash becomes available. I would rather keep it full term and pay the lenders here interest as I don't mind having the benefit of the payment history on here and on my credit report. But that would depend on the interest rate I receive.

I chose $4200 as the amount to borrow because that is the highest I can go without receiving a higher risk grade.

My financial situation:
I am a good candidate for this loan because I have been a lender on prosper and still am. I expect people to pay back my loans and I would do the same. I have never had a late payment. I was recently hired for a job which happens to be near my parents house. I moved in with them and?there for I have no housing expense and I mostly eat home cooked meals for free.

I have a car payment of $306 no insurance payment, I'm on my parent's plan. Spend about $20 on my phone (its prepaid and I don't use it much)? $100 for entertainment. I'm paying about $150 a month to credit cards now at minimum but that would be mostly gone once I receive this loan. My commuting costs is about $200 a month.

I don't really have any other expenses I'm pretty frugal other than the car payment which I regret doing. Darn that VW sign and drive deal.



Monthly net income: $ 1700

Monthly expenses: $?776
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 306
??Utilities: $ 0
??Phone, cable, internet: $ 20
??Food, entertainment: $?100
??Clothing, household expenses $ 0
??Credit cards and other loans: $?150
??Other expenses: $ 200

Disposable Income: $924 per month

Need to Reorganize

Purpose of loan:
This loan will be used to?? I would like to reorganize My Dept.for an easier payment.

My financial situation:
I am a good candidate for this loan because? I do pay my bills on time and have a proven record with a Prosper.? I have already had a loan and it was payed in full.? I have No Household expense's

Monthly net income: $ 34,000

Monthly expenses: $
??Housing: $ 0
??Insurance: $?65.00
??Car expenses: $ 233.00 Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $?250.00
??Other expenses: $

Paying off my credit cards.

Purpose of loan:
This loan will be used to pay off my credit card with a high interest rate.

My financial situation:
I am a good candidate for this loan because I am extremely responsible about paying all my bills on time.? I have never been default on a loan or credit card.? My?lower credit rating is due to the amount of?revolving debt I have.? I have accumulated credit card debt over the years due to assisting my parents during a family tragedy and helping my husband with his construction business.? My credit cards keep raising my interest rates making it harder to pay off my debt.? We are currently raising our 14 month old daughter and our goal is to reduce our credit card debt as much as we can before we start saving for her college education.

Monthly net income: $ 7,700 (after taxes and including husband's contribution)

Monthly expenses: $?
??Housing: $ 767
??Insurance: $ 168 (home and?vehicles)
??Car expenses: $?700 (car payment plus gas)
??Utilities: $ 200
??Phone, cable, internet: $ 175
??Food, entertainment: $?800
??Clothing, household expenses $?225
??Credit cards and other loans: $ 1900
??Other expenses: $ 200

paying off credit cards

Purpose of loan:
This loan will be used to? paying off credit cards

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

Monthly net income: $ 14oo

Monthly expenses: $
??Housing: $ 250
??Insurance: $ 76
??Car expenses: $ 442.15
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 80
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $

Buy My Wife A Newer Car

Purpose of loan:
Buy My Wife a newer car.

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

Paying for wife's education

Purpose of loan:
This loan will be used towards my wife's New York state Certification course to be a "Nail Specialist." She has already worked in this profession in Singapore; we got married 6 months ago and she moved with me to New York. The certification is 250 hours; once she completes the course, she can work at any of the New York salons that she already has job offers from.

My financial situation: Good. I am a PhD student at Columbia University for the next 2 years and I and have a steady income NASA research fellowship that pays me 3000 a month. I will become a professor once I graduate.
I am a good candidate for this loan because?I do not have any outstanding debt (except for deferred student loans). I refuse to own a credit card of any kind and never will. I pay all of bills on time. 4 years ago I had a delinquent account in my credit history, Since then I returned to school and have been very wise with my money management and have slowly rebuilt my credit history. I promise my investors that I will pay this loan down immediately because 1) I have a job. 2) My wife will get a job once she completes the certification course. Thank you for your time and consideration. Details of cost of Certification: Course:$2050; Exam: $150; Books:$50

Monthly net income: $3000

Monthly expenses: $
Housing: $1393
Insurance: $120
Car expenses: $0
Utilities: $40
Phone, cable, internet: $90
Food, entertainment: $
Clothing, household expenses $25
Credit cards and other loans: $0
Other expenses: $0

purchase a car

Purpose of loan:
This loan will be used to?purchase a new car to establish major credit?

My financial situation:
I am a good candidate for this loan because?I have paid cash for everything and I've been told that I needed to get loans and credit cards to help build up my credit history.?I now have credit cards now I need a major purchase to show that I am a very responsible person. I have never been late paying on my credit cards nor have I ever gone over the credit limit.? Applying for this loan will do 3 things for me and they are all important: firstly, it will?allow me to purchase the car I want. Secondly, it will show a payment history to boost my score showing I am a responsible person an lastly, it will establish my credit with Prosper and I know I will always be able to count on Prosper. If you support me I promise I will not let you down. I will make timely payments. I want too thank you in advance for your support. God bless!

Monthly net income: $1960.

Monthly expenses: $ 830.
??Housing: $ 0.
??Insurance: $ 100.
??Car expenses: $ 0.
??Utilities: $200.?
??Phone, cable, internet: $ 0.
??Food, entertainment: $200.
??Clothing, household expenses $ 200.
??Credit cards and other loans: $ 30.
??Other expenses: $100.

Paying off my credit card

I am going to use this loan to get rid of my credit card debt. I realized that consolidating my debt will provide me with more money month to month and will be payed off in just three years. I have excellent job security. I am employed with the NYC fire dept and have been for the past 10 years.

Paying Off High Interest Loans

Purpose of loan:
This loan will be used to? pay off various existing unsecured debts that currently have interest rates from 17% to 30%

My financial situation:
I am a good candidate for this loan because? I am already managing the debt, but with a Prosper Loan I can save thousands on interest plus get the debt paid off in 3 years or less by simply making my monthly Prosper Payments on time.? In addition, I have also participated as a Prosper Investor and believe in the product.?
40% of my monthly housing expenses are for a rental property that currently has a tenant paying monthly rent.
Monthly net income: $ 7931

Monthly expenses: $ 5000
??Housing: $ 2000
??Insurance: $ 170
??Car expenses: $ 900
??Utilities: $ 150
??Phone, cable, internet: $ 140
??Food, entertainment: $ 300
??Clothing, household expenses $ 340
??Credit cards and other loans: $ 1000
??Other expenses: $

A Wise Investment

Purpose of loan:
This loan will be used to? Re-Invest into Prosper loans

My financial situation:
I am a good candidate for this loan because? $1,000 is not a big deal to me.? Currently, I work as a Millwork Engineer.? Although the economy has been difficult, my employer has been able to maintain consistent work flow and is now beginning to pick up again.? The company and I are also rolling out a new division (Feb 1st)?that they have asked me to manage and partially own, which will also increase my income.? I have also worked a part-time job for the past year and a half and will continue to do so until we are debt free - this years tax returns should do it! :).? Re-payment for this loan can easily be pulled from our rainy day funds if the need arises.? I'm just trying to explore the possibility of borrowing money at a lower interest rate than what I am lending out for.? With my current investment model, I have been averaging a 29% return on my lending within Prosper.? My intention with this small loan is to begin a reputation within prosper that will reduce future borrowing interest rates by showing a reduced risk for you to lend to me and increase my ability to earn a better return by lending out at a higher interest rate.

Monthly net income: $ 3,166 (not including my part-time job)

Monthly expenses: $
??Housing: $ 1011
??Insurance: $?350
??Car expenses: $ 375
??Utilities: $ 180
??Phone, cable, internet: $ 150
??Food, entertainment: $ 50
??Clothing, household expenses $ 100
??Credit cards and other loans: $?279
??Other expenses: $ 200 (preschool, school lunch money, and other unknown possibilities)

Paying off some bills

The purpose of this loan is to pay off some bills that are coming up in January and February.
I work off commission and I am starting to have consistent income come in. This past year I have averaged $12,000 in annual income.
This year is looking to be a lot better. In the month of January, I am expecting to make $1,600 and about the same for February. After that, it will steadily increase each month.
I would like to stay focused on this business venture but I need enough money to pay bills during January and February.
I calculated my monthly bills and they come out to $1146. I also need money for food and gas so every month I spend about $1,500.

Opening a daycare

Purpose of loan:
This loan will be used to finish opening mine and my daughters daycare.

My financial situation:
I am a good candidate for this loan because I am a hardworker looking to start?a business that will be very profitable.? I know the importance of good credit and i am looking to reestablish myself.? I do not have a mortgage as I am a homeowner though it does not reflect on my credit file.?

Monthly net income: $ 2300.00

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

Pay off my high int. cards

Purpose of loan: I'm going to use this loan to pay down 2 higher interest credit cards and 1 11% loan, to consolidate them into one smaller payment instead of the $240 a month I am paying now

My financial situation:
Been in the same professional job for 2 years and 4 months now, just got a promotion, so I dont plan on anything crazy happening.

Paying Off Medical bills

Purpose of loan:
This loan will be use to pay a few medical bills.

My financial situation:
I am a good candidate for this loan because I' rebuilding my credit and that is why I want to make sure that consolidate all my medical bills into one.

Monthly net income: $ 2673.58

Monthly expenses: $ 1577
??Housing: $ 400
??Insurance: $ 250
??Car expenses: $ 767.36
??Utilities: $ N/A
??Phone, cable, internet: $ 40.00
??Food, entertainment: $?60
??Clothing, household expenses $ 40
??Credit cards and other loans: $ N/A
??Other expenses: $ N/A

Lex Loan

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I am looking to rebuild my credit after a bad real estate decision on purchasing my house. I have had perfect credit prior to my home purchase, and am in the process of relinquishing my house in a short sale. It should close in less than 2 months. All my other accounts remain in great shape with no late payments ever. I have a steady job with steady income now, and can easily make these loan payments. Just looking to get into a new vehicle and rebuild credit at same time.

My way out

Purpose of loan:
This loan will be used to?

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

Monthly net income: $

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

Micro Loan

Purpose of loan:
This loan will be used to see how low the rate will go.?

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

Consolidate Loans

Purpose of loan:
This loan will be used to consolidate my student loans and credit card debt into one easy?payment.?

My financial situation:
I am a good candidate for this loan because I have a very stable job history and have never missed a payment. I plan to pay this back quickly.

personal

Purpose of loan:
This loan will be used to? divorice

My financial situation:
I am a good candidate for this loan because? i have good credit an i have not defaulted on a loan

CREDIT CARDS

Purpose of loan:
This loan will be used to?

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

Monthly net income: $

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

Upgrading/Remodeling My Home

Hello Everyone:
What a GREAT opportunity this is. I am applying for my third loan through Prosper. I was so happy with my first and second that I feel this is the best way to go. Lets see, since my last loan with you I have put in a sewing/reading/craft room and remodeled my kitchen. Now my mother has moved in with me and I would like to update her bedroom and bathroom. This is going to involve some wall moving and new flooring plus painting and new tile. It is exciting for me and I am so looking forward to it. I am including a list of my obligations and income from different sources for your consideration.
Mortgage:???????????????????????? $ 930.00
Car Payment:?????????????????? $ 214.00
Auto Insurance:?????????????? $ 110.00
General Expenses: ????????$ 370.00? (Electric, Heating, Telephone, Cable)??
?????Total:????????????????????????? $1624.00

Income:??Wages????????????? $2400.00 / Month?????????????????????
????????????????Husband?????????? $?495.00 / Month?????????????????????
????????????????Son??? ????????????? $?300.00 / Month?
?? Mother $ 250.00/Month
????Total:??????????????? ?$3445.00 / Month??

I hope that you will give my request some thought and find that I am not a ?payback? risk. I have never worked with a company like Prosper and find it an amazing opportunity that you give to people like me. I only hope that in some way I can ?pay forward? your kindness to me on someone else.
Please contact me if you need further info

Buy new car with better mileage

Purpose of loan:
This loan will be used to provide economical transportation for personal use. ?I?have a truck that I?use for my business. It's a great vehicle, but alot cheaper to look at than to drive. I would like to be able to park it as much as possible to extend it's "lifespan."

My financial situation:
I am a good candidate for this loan because I have an excellent credit score with no missed payments on my credit accounts and a long credit history with no judgements ever. My business is somewhat seasonal and so I'm currently carrying a balance on?one credit?card (@1.99%). My Fico as of 1/1/2010? is 786. My Prosper Rating is being affected by the fact that I'm self-employed. I really like the idea of peer to peer funding and look forward to being an investor later now that I've discovered this site.Happy New Year!

Paying for Daughters College

I am requesting this loan to pay for my daughters 2nd semester of college, which starts on the 11th of Jan 2010. She is unable to secure a loan on her own as she has no credit history. I am a retired Navy veteran and unable to transfer my Post 9-11 G.I. bill to her at this time because I retired in 2005, the DAV is presently fighting to have retirees like myself made eligible to transfer that benefit. I am employed by the U.S Government, I receive Veterans compensation monthly as well as my Navy retirement income and guarantee that this loan will be repaid on time if not paid off early.

Need cash to rehab a home to sell

Purpose of loan:
This loan will be used to?
We have started a new business purchasing foreclosures, fixing?and then reselling them

My financial situation:
I am a good candidate for this loan because??
I am responsible and I work until the job is done..
the house is ready to be repaired and resold.

Monthly net income: $ 6270

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 108
??Car expenses: $?200
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 120
??Other expenses: $ 0

PAYING OFF BILLS

Purpose of loan:
This loan will be used to?I NEED TO PAY OFF SOME BILLS AND CREDIT CARDS.?

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

Monthly net income: $ 1500

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 99
??Car expenses: $322
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 3000
??Other expenses: $0

Pay Off High Interest Credit Card

Purpose of loan:
This loan will be used to? pay off high interest credit card.? Interested in peer-to-peer lending as an alternative to retail banks.? If I have a positive experience with this initial offering, will use this tool in the future to finance home improvement projects.

My financial situation:
I am a good candidate for this loan because? I am?employed at an investment bank (not everyone who works there is rich), am financially capable of making the payments on-time, have a good credit rating, and am likely to use this service as a lender and a borrower in the future.

Monthly net income: $ 9,000

Monthly expenses (including 529 and 401K deferred savings): $9,000

Look beyond the HR rating Please!

Purpose of loan:

This loan will be used to repay?all?our credit Cards and lower?our monthly cash flow.

My financial situation:

I am a good candidate for this loan because I took out a Prosper Loan for $15,000 for business expansion about 24 months ago and have faithfully made all my payments on time and have?under $6000 remaining on that loan. The business expansion (a mental health practice)?is complete and we are starting to see an increase in business even with the recession.?Part of the expansion now allows us to access all health insurance plans?which is projected to dramatically increase our income.?My associate of 12 years has recently graduated from Oregon Health Sciences University (OHSU)?as a Psychiatric Mental Health Nurse Practitioner and now she has prescriptive ability. Our new contract shifts her from the status of independent contractor to a rental agreement with the net effect of increasing our income $1000 per month over the next 12 months.

In 2009 my wife and I had the good fortune?to purchase a bank owned home for $305,000 which?previously sold for more than?$400,000. We had to draw on our credit to make some needed repairs and now want to move that to a longer term Prosper loan and free up our credit. Buying the home and using our credit has lowered our credit score 30 points?in the short term. We own our office property (valued at 450,000 with a $220,000 mortgage)?and now a home (valued at $350,000 and we owe $295,000) and all of our debt?are current. We want to create some breathing space while we experience the increase from our business expansion. We have held our own during the recession and now our practice is starting to grow. We provided full financial?documentation to Wells Fargo and they gave is a 5% loan on our home, our office loan is 6.6% with our credit union. No one is?writing second?mortgages at this time on commercial property?and we do not have enough equity in our new home to do a home equity line of credit. Our experience with Prosper has been good so we are back. The automated system says we should only ask for $7,500 because our credit rating has dropped 30 points because we purchased the home and used our revolving credit for repairs. We are requesting a greater amount than the system recommends because we have a proven track record with Prosper.?Our present and future look good and make us a better credit risk than the Prosper automated system can recognize.

Monthly net income: $ 6,667

Monthly expenses: $ 4,992
??Housing: $ 2186
??Insurance: $ 150
??Car expenses: $ 356
??Utilities: $?300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $?100
??Credit cards and other loans: $ 1200
??Other expenses: $ 100

Debt Consolidation

Purpose of loan:
This loan will be used to pay off all of my?revolving debt and personal debt,?and consilidate it in to one monthly payment.

My financial situation:
I am a good candidate for this loan because I have been paying a monthly payment of $2000 for all of my?revolving and personal debt. By consolidating my debts into one payment, I can cut down on wasting money on interest payments acrued from each debt. ?

Monthly net income: $ 7250

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 110
??Car expenses: $ 375
??Utilities: $?140
??Phone, cable, internet: $ 240
??Food, entertainment: $ 500
??Clothing, household expenses $
??Credit cards and other loans: $?2000
??Other expenses: $

Home Repair needed for water damage

Purpose of loan:
We have had so much rain this year that the French drain we had just above our house actually got washed up.? This means that the water poured into our basement where my son is now living.? We have pulled up the carpet and cleared out the room.? The walls are not dry but we are going to have to pull out the sheet rock as well.? Basically, we are going to have to ?rebuild? that room.? Along with repairing the French drain out side which will take digging up the entire upper side of the house. My son is 22 and was laid off not long ago and now, bless his heart, he is sleeping on our couch. Of course, water damage?is not covered by our insurance.? I am looking for a loan that will help us repair the room down stairs and the outside of our house.? It would also help us if we could consolidate everything into one bill per month.? We have the one Prosper loan, 2 car loans with only a small amount left, and various smaller loans and credit cards.?

My financial situation:
My credit score is down because of the business I used to own.? The business is now closed but I have some things I am still paying off.? My bills are all paid on time, I just have several.? Some are close to the credit limit which lowers the score.? The consolidation portion of this loan should improve the score.? Things have been tight with the business failing and still 2 kids in college but I have a stable job with a Credit Union.? Our Credit Union is in good shape and has not made any of those bad loans.? I work hard and make sure I am completing my tasks and qualify to keep my job.

Monthly net income: $ 5, 736

Monthly expenses: $?
Housing: $??My husband pays this bill??
Insurance: $?Auto and Life = 700??
Car expenses: $ Various cars?=?951 (I?have car notes for the kids as well as mine)??
Utilities: $?448??
Phone, cable, internet: $ 375??
Food, entertainment, Gas: $?700??
Credit cards and other loans: $ 1,138??
Other expenses: $ 922 (Rental property mortgage payment)
Monthly Expenses reduced: $ 920 (Prosper loan, 2 car loans, and credit cards (which I will cancel all but one))
We really need our house repaired so mold won't start to grow.? Also, we have 2 other kids in college and getting everything under one payment with a goal of paying it off in 3 years would help us greatly. Please consider funding this loan. Thank you.

Home down payment

Purpose of loan: Home down payment.
I am buying a home from the estate of my late roommate, who passed away in 2008. The loan will be used as a down payment for the home.


My financial situation: I am an active Associate Broker and realtor.?

Monthly net income: $ 3,500

Monthly expenses: $
??Housing: $?800
??Insurance: $?117
??Car expenses: $?200
??Utilities: $?300
??Phone, cable, internet: $ 120
??Food, entertainment: $ 400
??Clothing, household expenses $ 300
??Credit cards and other loans: $?150
??Other expenses: $ 300

Paying off a high interest loan

I will be using this loan to pay off a loan for which I have a 28.99% APR.? I haven't missed any payments on the loan in over 3 years.? I want to see how much I can lower this APR by getting?a loan through Prosper.? My fiance and I are trying to save up money for a down payment on a home.

I make $1600/month as a customer service representative for GSI Commerce, Inc.? I live in Wisconsin where there is a very low cost of living.? My monthly bills are as follows:

Rent: 325
Utilities: 40
Phone: 70
Insurance: 185
Loan: 250 (This is the I will be paying off with this Prosper loan)

You can see I will have no problem making my loan payments.? Thank you to everyone who helps!

Make one single payment

Purpose of loan: I will be using to clear the loan to clear all the credit card and make it into one single payment and part i shall be using to enhance my JOb skills which will push me to higher level IN IBM
(explain what you will be using this loan for)

My financial situation: First thing is i can provide all my credit card bills and rents, telephone bills?and utilities bills i pay promptly whether i eat or not i do it on time and next i am permanent employee of IBM and make 120000 USD per annum , before i got into IBM i had used my credit cards Now if i can consolidate into payment , i can make the payment easily at the same time i can also save money . This financial help help me lot in many ways. Please kindly help me
(explain why you are a good candidate for paying back this loan)

Monthly net income: $ 6600USD

Monthly expenses: $
??Housing: $ 415
??Insurance: $?100
??Car expenses: $ 314
??Utilities: $ 25
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 100

Restructuring Debt

I graduated with a degree in finance and have been working in the industry 5+ years, so these loans and types of investments are up my alley.? This money will restructure my debt, not go into some risky business start up, or fund?payment for?terrible assets like a boat or car.

Monthly expenses
Housing: $ 300.00
Insurance: $ N/A
Car expenses: $?N/A
Utilities: $ 50.00
Phone, cable, internet: $ 30.00?
Food, entertainment: $ 400.00
Clothing, household expenses $ 20
Credit cards and other loans: $ 160.00?
Other expenses: $20
Revolving Credit ?$????????? 3,500
Current Ratio 7.14285714
Working Capital ?$??????? 21,500
Debt Ratio 14%
DTI 45%

Introduction
This loan will save me twelve hundred dollars immediately by reducing the interest rate payable on another credit line to be paid in full.? This line was already anticipated to be paid in full, but now the funds will be allocated as capital, available to service the debt of this Prosper loan.? There is 18k in unsecured credit available to borrower.






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House Taxes & bathroom Fix

Purpose of loan:
This loan will be used to pay my current house taxes as well as fix the guest bathroom

My financial situation:
I am a good candidate for this loan because my credit score is good, and i can afford to make the monthly payments.? I just do not want to come out of pocket $10,000 at the moment; however, i have the money to pay the loan.

Monthly net income: $ 7,500

Monthly expenses: $
??Housing: $
??Insurance: $ 140
??Car expenses: $ 405
??Utilities: $
??Phone, cable, internet: $ 100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 300 (School Loan)
??Other expenses: $

Pay my bills

Purpose of loan:
This loan will be used to pay this month bills
My financial situation:
I am a good candidate for this loan because my husband and I?make $5000 per month after taxes.

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $?1000
??Insurance: $ 90
??Car expenses: $ 152?
??Utilities: $?40
??Phone, cable, internet: $?70
??Food, entertainment: $ 350
??Clothing, household expenses $ 200
??Credit cards and other loans: $?800
??Other expenses: $

Paying off Hospital Bills

Purpose of loan:
This loan will be used to?pay off Medical Bills.

My financial situation:
I am a good candidate for this loan because?I am reliable and a hard worker.

pay off my credit cards

Purpose of loan:
This loan will be used to pay off my credit cards and help me get back on my feet.? I have 2 kids and I'm barely treading water right now.? This loan would make my life a little bit easier.?

My financial situation:
I am a good candidate for this loan because I am collecting unemployment right now but looking to start my own bookkeeping business.? I am very motivated and ambitious.

Monthly net income: $ 2400

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 250
??Car expenses: $300
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 750
??Other expenses: $

New Truck for my business

Purpose of loan:
This loan will be used to?I drive for an auto transport company and having my own truck will Increase my monthly income substantially by allowing me to get a larger percentage of the gross weekly from 30% now to 80% with my own truck.

My financial situation:has been improving over the past year or so. I know in the past it has not been too good because of a failed marriage and also a failed business.
I am a good candidate for this loan because? I have been in the auto transport business for over 4 years and know it inside and out. I strive to do the highest gross every week because more gross means more money for me. With this loan, I can increase my gross from 30% to 80% or more weekly.

Monthly net income: $ varies depending on my gross income.3000-3600

Monthly expenses: $
??Housing: $880.00
??Insurance: $119.04
??Car expenses: $286.17
??Utilities: $200.00
??Phone, cable, internet: $70.00
??Food, entertainment: $100.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $150.00
??Other expenses: $

PAYING OFF MY HIGH INTEREST CARD

Purpose of loan:
PAY OFF A HIGH INTEREST CREDIT CARD

My financial situation:
I AM NOT BEHIND ON ANY PAYMENTS, NOR STRUGGLING TO MAKE THEM.? I SIMPLY WOULD LIKE TO REDUCE MY INTEREST RATE.? MY FAMILY AND I ARE BECOMING DEBT FREE AND THIS WOULD HELP THAT PROCESS ALONG.

THANKS FOR YOUR CONSIDERATION

Ring

Purpose of loan:
This loan will be used to?
Engagement Ring
My financial situation:
I am a good candidate for this loan because?

Great Credit History
Secured Employment

Help! Paying off Credit Cards

Purpose of loan:
This loan will be used to pay off credit cards. Recently, my interest rates were raised from a high of 13% to 29% and I will use the funds to pay off my two highest interest credit cards. If needed, I would be happy to submit a debt management plan and/or close any cards.

My financial situation:
My household income is more than $100,000, as my husband makes significantly more than I do! (I would be happy to provide tax returns to document this income.)? My husband pays for all of our insurance, cards, rent, food, etc. I save $300 per month with my income and use the rest to?pay approximately $222 in student loans and credit cards.

Thank you for your consideration and help.

paying off high rate cards and loan

Purpose of loan:
Pay off current higher rate cc's and loans.? My goal is to get debt free but it is easier if my rates are lower.? I am trying to do this so I can get married next year without taking any? debt into marriage.? I also am trying to get to the point in which in can give a full tithe to my church but cannot under under current budget.

My financial situation:
I am a good candidate for this loan because? their are several reasons.? I have great job stability working for the same company for almost seven years.? I?run?the finance department?and know how important maintaining good credit history is.? I recently received a raise that will make me?at least an?additional 20,000 over what I made in 2009 and what I used on my Prosper application.? I have not had a late on my credit in years.?? I have additional household income from my fiance of about $35000 a year.

Debt Consolidation

Purpose of loan:
This loan will be used to consolidate my credit card debt acquired during the purchase of my first home.

My financial situation:
I am a good candidate for this loan because I have been steadily employed at the same company for almost ten years with pretty much no threat of being laid off.? I always pay my bills on time and have never balked on any debt.

Financially Responsible

Purpose of loan:
This loan will be used to?
pay off my credit cards and student loans.
My financial situation:
I am a good candidate for this loan because?
I am financially responsible and a hard worker. A recent college graduate. I was working full time while attending school. I would like to set my financial in order for my future.

**2ND LOAN** MEDICAL EXPENSES

Purpose of loan:?
I currently have a?Prosper Loan, and I am so grateful to all the wonderful people who had faith in me and made that happen. As you can see, I am current. I also only have 10 more payments left after January payment.


This loan is to be used to pay off my 'OUT OF POCKET' Medical expenses.?

PR's/DQ's:
PR's and DQ's were from my previous debt and were not removed after my BK.

My Expenses:Monthly net income: $?3200
Monthly expenses: $ 2525
Housing: $?1050
Car expenses: $ 300
Clothing, household expenses/gro $ 350
Credit cards: $?50
Other expenses: $ 175.00 personal loan & $ 200.00 prosper loan
Add'l expenses: gas/dinner/movies/hair/girl stuff.. etc. -?400 .00
IRS: 50.00

I have worked hard on my credit and take my obligations very seriously. I can reassure lenders that their investment in me is very safe. The repayment of my Proser Loan will be the 1st priority each month, with payments automatically withdrawn from my bank account. I promise to make all my payments on time & never default on this loan. Thank you again for considering my loan request!

I have attached a copy of my paystub and if there is any other documentation that you would like, please feel free to contact me.