Paying off my credit cards

Purpose of loan:
Paying off cresit debt

My financial situation:
I have just started a new job after spending?4 years with last employer I found another company which is their competitors who are paying me 40% more than what I was getting at the old company
Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 100
??Insurance: $ 100
??Car expenses: $ 420
??Utilities: $
??Phone, cable, internet: $?500????
??Food, entertainment: $?100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $ 100

Equipment Purchase

Purpose of loan:
To purchase more equipment for my window restoration company, specifically a joiner and insulated glass system

My financial situation:
Our business continues to grow, we will do over $750,000 this year - I want to use our cash flow for sales and marketing and loans for equipment.? Visit us at www.chwindows.com? We have been profitable from our first day; and we are growing every month.? We are benefitting from the recession and the tax incentives for home energy savings and commercial property incentives.

Buying a Ring

I am an attorney currently working in Maryland and DC.? I used Prosper in the past to help me consolidate some of my debts after law school.? I had a good experience and am looking forward to using Prosper again to raise the money to buy an engagement ring.?I have detailed my income and debts below.? Even though I listed?my mortgage as $900 it is less since I have another person paying half the expenses.? Also, my first prosper loan of $305 only requires two more payments and will be fully repaid by March 2010.? ???

INCOME: I made?72k in 2007, 80k in 2008 and 65k in 2009.??

DEBTS per month:?
????Home Mortgage?????????? $900
????Prosper Loan?????????????? $305
????Phone (cell? & home)??? $110
????Utilities????????????????????????$200
????Cable??????????????????????????$100
????Car insurance????????????????$80
????Best Buy??????????????????????$50????
????Total?????????????????????????? $1745

Thank you

Paying off my credit cards

Purpose of loan:
This loan will be used to pay off and close some of my high interest credit card and better my credit score in time to purchase our first home.

My financial situation:I am an excellent candidate for this loan -
? Employed at a very successful pharmaceutical Company for more than three years as a research scientist.
? Excellent history of on-time payments.
? I have not requested any new credit in the last two years.
? Low credit utilization over the last two year.
? Focused plan to buy our first home in 2010 or early 2011with a good home loan.

My debt is a result of unavoidable circumstances listed below -
? Tuition expenses incurred while at University.
? Used saved money for wedding last December without accumulating new debt.
? Major part of my expenditure over the last two years included helping pay my wife through graduate school. She graduated last month with a Masters in Chemical Engineering and hope to be employed shortly.
? Auto accident in 2007? insurance company did not cover the whole cost resulting in out of pocket expenses (see auto loan from Brookline Bank in credit report).


I look forward to answering any questions or concerns you may have. Thank you.

Monthly net income: $ 3528

Monthly expenses: $ 2475
Housing: $ 700
Insurance: $ 165
Car expenses: $ 100 for gas and tolls ? no car payments.
Utilities: $ 100
Phone, cable, internet: $ 110
Food, entertainment: $ 200
Clothing, household expenses $ 100
Credit cards and other loans: $ 700
other expenses: $ 300 ? investing in company stock and for 401K savings.

Paying high interest credit cards

Purpose of loan:
This loan will be used to? pay off credit cards that raised their interst rate for no reason; I always pay my payments on time and usually pay more than the minimum.

My financial situation:
I am a good candidate for this loan because?I have a steady job.? I have an excellent payment history.? I have never not paid any debt I owed.

Paying off credit cards & my Harley

Purpose of loan:
This loan will be used to? pay off my existing credit card debt as well as paying off?a portion of my Harley motorcycle.

My financial situation:
I am a good candidate for this loan because? I have a well paying occupation in the community, working with the Police Department for over 8 years.? I own my own home and have steady income?from my employment as well as from a roommate who has lived with me for over a year and a half.??I haven't been late on any sort of payment?in over 4 years, and don't intend to start now.? However, I do have some collection debt that I do need to?take care of, which has unfortunately hurt my credit score a bit.? I also see that it shows up on my listing as "now delinquent" which is incorrect as they are?collection medical?bills.?I intend to put this loan to good use, paying off my debt and intend to keep myself debt free.??I would like to take the time to sincerely?Thank You for reading my listing and hope you will consider me?as a candidate.?

Monthly net income: $?5550??????

Monthly expenses: $ 4192
??Housing: $ 1800????
??Insurance: $ 142
??Car expenses: $ 100
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $?275
? Clothing, household expenses $ 100
??Credit cards and other loans: $ 1200
??Other expenses: $ 75.00

Paying off credit card

Purpose of loan:
This loan will be used to pay off?my?credit card.? I am looking for a lower fixed interest rate.?
My financial situation:
I am a good candidate for this loan because being debt free is very important to my husband and I.? We are actively working towards the goal of being debt free.? We haven't?added any additional debt in over?2 years.? Paying off current old debt is our biggest fincial priority.? We paid off our $42,000 HELOC home purchase loan.? It only took 3 years.? That loan was our main focus for the past couple of years and now our attention is on the remaining credit card and saving money on the interest.??Thank you for your consideration.

Improve Cash Flow

Purpose of loan:?
Living in Southern California is an expensive proposition. In 2002, my employer went out of business and I was out of work for approximately nine months. In 2003, I secured employment with Amgen and have spent the last three years cleaning up the mess the unemployment caused me. My credit was severely affected and has forced me to borrow money at high interest rates. We recently had our first child in 2006 and my wife has had to cut back her hours to take care of him. This money will help me stop paying interest only payments to Cash Call and begin paying down principal.???

My financial situation:
My performance at my current employer has resulted in double digit salary increases over the past three years. I expect this to continue as?I increase my income and repair my past misfortune. My $5,500 monthly income allows me to meet all of my expenses and begin?the process of retiring the old debt. My objective is to pay off all unsecured loans and credit cards by the end of the year. This loan will help me reach this goal. Please help me in this endeavor.

My monthly budget:
Mortgage/rent: $2,000????
Insurance: $226
Car expenses: $750
Utilities: $375
Phone, cable, internet: $180
Food, entertainment: $350
Clothing, household expenses $100
Credit cards and other loan payments: $650
Other expenses: $100---------------------------------------
Total monthly expenses: $4,731

Interested in lower interest

Purpose of loan:
This loan will be used to pay off credit card debt with very high interest rates.
My financial situation:
I am a good candidate for this loan because I am a masters prepared registered nurse with two steady jobs and a good income. I am motivated to reduce my debt and obtain more financial freedom.

Monthly net income: $ 9,000

Monthly expenses: $
??Housing: $ 2576
??Insurance: $?360
??Car expenses: $ 400
??Utilities: $?200
??Phone, cable, internet: $ 330
??Food, entertainment: $?650
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1100
??Other expenses: $

Bills

Purpose of loan:
This loan will be used to?pay bills

My financial situation: is good, but after holidays I hit a rough patch
I am a good candidate for this loan because?I will not be using the full $1000 required to apply...I only need $600 & the rest will be applied to the loan

Monthly net income: $ $3074

Monthly expenses: $
??Housing: $ 1500.00
??Insurance: $ 140.00
??Car expenses: $ 1000.00
??Utilities: $ 300
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 124.00
??Other expenses: $

Invest in Forex - foreign currency

Purpose of loan:
I am planning to Invest this in few different currencies...mostly in "Rupee". Rupee has bounced back by 13% after touching a record low of 52.18 in March 2009. It is currently at 45.75, it was at 38.5 during?Jan/Feb 2008 and it is expected to hit around 35.00 by the end of 2010.

Ask me any questions and surf the net, make your decision base on forcasts and fact. Try this website...http://forecasts.org/exchange-rate/india-rupee-exchange-rate.htm


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

1. Excellent Credit History.
2. Full time employment
3. Have a Emergency savings account more than the loan amount, just don't wanna touch it right now.
4. Land, stocks, IRA & 401k Savings.
5. I have a good knowledge of currency investing & general investing.
5. Your money will be safe and we will make money together.
6. Wife is employed too, so household income is way higher than listed.
7. I don't own a house and do not plan any soon, so I don't have any payments other than my Car.
8. Planning to pay this off sooner than 3 years.

"Let's do this together".

Paying Off personal debt

Purpose of loan:
This loan will be used to?
I will be using this loan to pay off some personal debt that?I incurred over the past 3 years.? I can make payments on the debt, but would prefer to just pay them off and have one payment.

My financial situation:
I am a good candidate for this loan because?
I take my debts very seriously.??I have never walked away from any debt - no matter how hard it was to pay it back.? I am a hard worker and?have a very good job.? I am currently in a very strong financial position to repay a loan of this size.

Credit card payoff

Purpose of loan:
This loan will be used to pay down existing debt. I recently received a notice in the mail stating that my credit interest rates are going up to a ridiculous level. I'm currently trying to pay off the debt completely. I recently ran my credit report and the score falls under the fair category of 645. I currently work full time and have the opportunity to make monthly bonus in which I have not included in my income. The bonuses can add up to an additional $432.00 per month.

My financial situation:
I am a good candidate for this loan because I have a solid payment history, a credit score of 645/Fair, I'm honest, I'm trying to pay off my debt completely and with your help I can knock out two credit cards completely. But most importantly, I keep my word.

Monthly net income: $ 2823.49

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 65
??Car expenses: $289
??Utilities: $ 0
??Phone, cable, internet: $0
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 610
??Other expenses: $ 0

Paying off debt

Purpose of loan:
This loan will be used to pay off debt. I will pay credit cards off and a few student loans. I will also create an emergency cushion in our savings.

My financial situation:
I am a good candidate for this loan because I make enough money to pay my bills every month and I am working on improving my credit score.

Monthly net income: $ 1871.00

Monthly expenses: $
??Housing: $ 700.00
??Insurance: $ 44.00
??Car expenses: $ 50.00
??Utilities: $ 60.00
??Phone, cable, internet: $ 140.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $?60.00

renovating a rental unit

Purpose of loan:
This loan will be used to renovate a 2 family home that I just purchased with my fiance. We are going to rent out one of the units at about half the cost and would like the unit to look more modern. The kitchen, bath and family room look like they were decorated in the sixties. This look will drastically limit the chances of us being able to rent the apartment for a decent price, so we decided to renovate the apartment.
My financial situation: I work as a project manager for a major corporation making 103000 a year.
I am a good candidate for this loan because I have good credit and a good job making good money which shows that I will be able to make timely payments. Thanks,

Payoff credit cards/tuition balance

Greetings-

I plan to use this loan to consolidate my credit card and tuition debt. I have a five year plan beginning January 2010 to pay off my debt in the first 3 years, and then save towards a deposit on my first home in the last two years. I have no late payments, overdue accounts or derogatory information on my credit history.

My monthly net income is: $2192
Monthly net expenses are: $1994
Breakdown of monthly expenses in USD:
Gas for month 80.00
Car Insurance 120.00
Cable+Internet 95.00
Cell Phone 60.00
Groceries 100.00
Electric bill 45.00
BOA cr-card 130.00
Wpccu cr-card 120.00
Wpccu Loan 125.00
Chase cr-card 55.00
Apt Rent 800.00
Car Note 264.00

Total: $1994.00

Bridge loan

Purpose of loan:
This loan will be used to?pay off a 401(k) account loan, then pull $10k out to pay back this loan.? This should take two weeks or so and I am willing to accept a higher rate for quick funding.

My financial situation:
I am a good candidate for this loan because? the loan is guaranteed with 401(k) assets and its a short term loan

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $ 1,100
??Insurance: $
??Car expenses: $ 140
??Utilities: $ 100
??Phone, cable, internet: $ 85
??Food, entertainment: $ 500
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 400
??Other expenses: $

Getting Married in 30 days!!!!

Purpose of loan:
This loan will be used to pay off the balance of vendor contracts, a honeymoon, and miscellaneous or unforeseen "day-of" expenses.?

My financial situation:
I am a good candidate for this loan because I have been working on paying down my debt consistently for a year.? Since I've gotten out of graduate school I have never missed a student loan payment, car payment or credit card payment.? The Wedding budget has for the most part stayed on track however I would like to use this money to pay off the remaining vendors and to take a honeymoon!? I would like to add that I have plans in place to live with my In-laws after the wedding which means I will no longer have any living expenses rendering my entire income as "debt repayment".

My future husband is also currently employed with the same company for over 3 years whose monthly net income is $2,900.00
Monthly net income: $ 2,100.00

Monthly expenses: $ 1,500.00
??Housing: $ 400.00
??Insurance: $ 50.00
??Car expenses: $ 300.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 400.00
??Other expenses: $

Paying off 2 credit cards

Purpose of loan:
This loan will be used to pay off two credit cards.

My financial situation:
I am a good candidate for this loan because I have?a long history of paying my bills and the monthly payment will be less than what I am now paying with these 2 cards.

Monthly net income: $7,433.00

Monthly expenses: $
??Housing: $785.00
??Insurance: $176.00
??Car expenses: $350.00
??Utilities: $275.00
??Phone, cable, internet: $189.00
??Food, entertainment: $ 75.00
??Clothing, household expenses $175.00
??Credit cards and other loans: $ 523.00
??Other expenses: $ 50.00

Reduce high interest balances

Purpose of loan:
This loan will be used to pay down balances on credit cards that are at high interest rates.

My financial situation:
I am a good candidate for this loan because I have been employed with the same company for over 11 years and have a solid position as a General Manager.? The company is a publically traded global company with a secure balance sheet.

Monthly net income: $ 11,300 plus annual bonus around $25,000 annual bonus

Monthly expenses: $ Normal monthly expenses.
??Housing: $ 2500
??Car expenses:?Cars are paid in full.

Paid Prosper 1 Yr Early!

Personal: I am am an Operations Manger of a Commercial Refrigeration/AC Company.? My wife and I have a beautiful 3 year old little boy. In the past I had a few bruises on my credit, all is cleaned up and no deliq.? An old judgment on my credit rpt was PIF some time back.?Most of what you see as credit bal on my credit rprt is paid.First prosper loan has still not been reported from credit bureaus.It is PIF, zero balance and paid early.

Purpose of loan: Expansion Fitness Bootcamp

I have managed big box companies and know the importance of P & L and budgeting. My debts on time or early.? I am an entrepreneur and driven to succeed.
Monthly net income: $4800.00
Monthly expenses: $ 2576.00?
Housing: $1000.00??
Insurance: $300.00??
Car expenses: $596.00??
Utilities: $180.00??
Phone, cable, internet: $100.00??
Food, entertainment: $300.00??
Credit cards and other loans: $100.00
10 years of personal training experience..Need more equipment and hire more trainers.

Consolidating credit card debt

Purpose of loan:
I will use this loan to consolidate credit card debt accumulated from hospital bills this past year. We will be able to lower our monthly payment significantly by consolidating this debt and make our life much easier to manage.

My financial situation:
I am a great candidate for this loan because of my long and excellent payment history with my creditors as well as earning a good income within an industry I have been in since 1991. Thanks for your consideration and to the Prosper community.

new bath,kitchen

Purpose of loan:
This loan will be used to? home improvement

My financial situation:
I am a good candidate for this loan because? my repayment history is excellent, my financial situation has remained stable thru our current recession and i don't see any changes that would effect my current situation.

Paying off my Credit Cards

Purpose of loan:
This loan will be used to pay off my credit cards and purchase an upgrade and new software for my business

My financial situation:
I am a good candidate for this loan because I haven't missed a payment on anything in over 7 years and I'm committed to keeping it this way.

Monthly net income: $3050

Monthly expenses: $2186
??Housing: $570
??Insurance: $60
??Car expenses: $100
??Utilities: $200
??Phone, cable, internet: $206 (need for business)?
??Food, entertainment: $350
??Clothing, household expenses $50
??Credit cards and other loans: $400
??Other expenses: $250 (other business expenses)

Paying for Medical Board Exams

Purpose of loan:
This loan will be used to?pay for Medical Board Examinations?

My financial situation:
I am a good candidate for this loan because I plan to pay this loan in a short time period (within a few months)?once I start working full time within a few months.

Monthly net income: $ 1800

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 110
??Car expenses: $ 140
??Utilities: $ 0
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $ 0

Paying off my credit cards

Purpose of loan:
This loan will be used to pay off 4 of my credit cards, some of which recently had an increase in APR, even after years of perfect payments.

My financial situation:
I am a good candidate for this loan because I have a stable full time job, and have been sticking to a financial plan to get out of debt in 5 years. Just need to pay off some high interest cards to do so.

About to be a new mom

Purpose of loan:
I am about to be a mom for the first time?and am hoping to?take a maternity leave so I can spend some time with my new baby. Unfortunately my company doesn't pay while I am on leave.? I will be using this loan to cover some of my expenses and medical bills?while I am on leave.

My financial situation:
I always make my payments on time and have been working hard to make sure that my credit stays in good standing. My leave from work will not affect my ability to pay back on the loan, as I will be using savings/etc. to make these payments.

Monthly net income: $ 2600 (not including spouse income)

move into new home

Purpose of loan:
This loan will be used to? move from California to Nevada & purchase some home appliances needed.? I just purchased a new home in Nevada & do not have enough capital to move.?
My financial situation:
I am a good candidate for this loan because? I am willing to put my 1997 Corvette up to secure this loan.?This car has 60,700 miles and valued between $13,000 to $16,000. I am also willing to do a direct payment from, my bank account. I will be willing to pay back this loan from 6 months to 36 months depending on the interest rate.? I

Monthly net income: $ 2960

Monthly expenses: $
??Housing: $?965
??Insurance: $ 175
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
Credit cards and other loans: $ 0
??Other expenses: $

paying off 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 have good credit, up until recently all my bills have been paid on time. My wife and?I have a few credit cards in both our name plus car payments and its just to many things to juggle.?I have a good job and would be able to pay on a bi weekly or mothly basis.?Our debt in credit cards are on 3 cards, the balances are about $12,000 $8000 and $5000. Yes we have learned from our excessive spending and have not used credit cards in 6 months. Now we just need a little help digging out.

Paying off credit cards

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

My financial situation:
I am a good candidate for this loan because? I have always paid my credit cards on time. The only negative marks on my credit are on the mortgage that I had. I have refinanced my home with a better interest rate and payment. The history of my credit in the past in very good. I've had several car loans and never once was I late. My Fiance lost his job shortly after we bought the house and that's where the mortgage lates stem from. We have been in good standing on everything for 1-1/2 - 2 years.

Monthly net income: $ 2184.00

Monthly expenses: $
??Housing: $?605
??Insurance: $ 65.51
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00
??Other expenses: $

BUSINESS GROWTH

Purpose of loan:
This loan will be used to invest in and grow my business.

My financial situation:
I am a good candidate for this loan because I have been very successful at growing my business over the past 4 years.??My bills are paid on time, and I have not had late payments?on any previous loans or lines of credit.?

Monthly net income: $ 8,350

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 100
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
My phone and car are paid for by the business.? All other household expenses are included in rent.

Increase Inventory

Purpose of loan:
This loan will be used to increase my inventory. I want to be able to sell a variety of different merchandise. I have been in business for 12 years. I have a kiosk inside the mall which has been operating for the last four years. Prior to that, I was doing business on the internet and trade shows.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time. I wasn't able to get a loan, so I borrowed money from a friend. He?was able to give me a?$30,000 loan at 33.5% for 48 months. I was able to pay him back with not?a single late payment and always on time. I have written proof, cashed checks and record logs if?needed.??

There is a deliquency on my credit report that shouldn't be there. I am trying to get it removed. My wife had an emergency surgery last year. The hospital billing department has too many people processing their statements and there was a mix-up. I have cancelled checks to prove that I have been paying.

I filed bankruptcy approximately ten years ago. It happened during the early stages of my business. I made some financial errors. I used my credit cards to run my business. I know that wasn't the right thing but sometimes it seems the only way at that time.

Monthly net income: $5,000

Monthly expenses: $4,609
??Housing: $600
? Health & Car?Insurance: $438
??Car expenses: $331 (will be paid-off by Aug. 2010)?
??Utilities: $80
??Phone, cable, internet: $160?
? Credit?cards: $1000?
??Mall Rent (Kiosk): $2000


Thank you for your kind consideration.

Hedging My Prospeculation

I have been a Prosper lender since March 2007.

In the event the borrowers on ?my? Prosper Notes are still paying faithfully every month, but Prosper ceases to pass those payments on to me, I want to be protected.

While we hope for the best, these days even large companies have gone into receivership, leaving unsecured creditors in a long and crowded line behind bankruptcy lawyers, employees, bankers, tax collectors, and senior secured creditors.?

Unsecured creditors (that?s us lenders) often only receive a few pennies on the dollar in such situations.

I will invest the loan proceeds to keep my portfolio (50% stocks/40% bonds/10% gold) in balance.? If I am underweight high-yield corporate bonds, I might buy a junk bond ETF or I may bid on Prosper listings.

If Prosper should cease to credit me the interest payments due me on ?my? Notes, I could then stop paying on my loan to offset that.? If this were to happen, you would not get your payments?but you wouldn?t be getting them on any of ?your? other Prosper loans either!

But if Prosper continues to prosper, I will pay off this loan after my lending portfolio has wound down (when all my loans are paid off or charged off).

My Other Debts and Interest Rates

1st Mortgage: 30-year fixed 196K at 4.75%;? Chase HELOC 110K at 2.49% (Prime Rate minus 0.76%), secured by home appraised at 380K on 4/09.

?8K credit cards at 3.99% (unsecured, fixed forever).

Assets to Unsecured Debt Coverage > 800%

The photo shows 16 gold 1oz Canadian Maple Leafs (worth 18K) and 72K of marketable securities held in a non-retirement account.

To zoom the photo, click the small photo on the right.? That will pull up my profile page.

Other Disclosures

I will cancel this listing if I do not get a rate bid-down comparable with other recent AA listings, so don?t come crying to me that your $50 got tied up for a week.? If the rate gets to 5% or lower I will not cancel.

I am an active participant on an unmoderated P2P lending forum which hosts my blog (google ?mothandrust endorsements? to find it).? I am starting a message thread there in the ?Check Out My Listing!? section to discuss this listing.

I use the ?mothandrust? username only in connection with my Prosper-related activities.

Lender of 41 Loans to Reinvest

Purpose of loan:
This loan will be used to re-invest in Prosper.? I have been a Prosper lender for nearly 3 years, with?41 loans thus far.

My financial situation:
I am a good candidate for this loan because I have been a member since?November?10th, 2006, and I have provided the Prosper community with?41 loans?to-date.?I am a?person of high?integrity, and I ALWAYS repay my debts.

I have a Bachelors of Science in both Finance and Real Estate from Florida State University.? I buy and sell residential real estate in Atlanta, Georgia, and I also spend quite a bit of time investing in the stock market. I make $50,000-$60,000 annually, not including a steady stream of stock dividends which I reinvest in the stock market. I have gained a keen understanding?of what to look for in potential borrowers, and will reinvest this loan wisely.? Feel 100% confident in bidding on this loan as I will NOT tarnish my status as a lender?on Prosper, and regardless of how I do reinvesting, I have plenty of savings and can easily repay this debt on a moment?s notice.?

Please bid with confidence, as this is as "sure" as a loan you can make.? Feel free to ask any questions.? Thanks!

***Please note that my last listing, which was bid down to 4.8%,?did not become active because I was out of town and could not send in all of the required paperwork to Prosper in the?few days that they give you to do so following the end of an auction.? I HAVE submitted all required documentation and this auction will become active shortly after it ends!!

Thanks! And like I said before, have no worries...I will pay this loan!!!

High Interest Loan!

Purpose of loan:
To pay off in full a very high?rate of interest?personal loan.?

My financial situation:
I need to pay this loan as soon as possible.? Even at 35% interest, it is lower than what I am paying now.? PLEASE GIVE ME A CHANCE!

My HR rating is inaccurate and I do not have as many open credit cards as my report states.? That is crazy!? I am a good candidate for this loan because?I pay my bills on time and pay them on before due dates.? I need to get this paid off ASAP.?

I would also just like the chance to get a loan from Prosper.? You will not be sorry.? You will get every cent of your money and will get a good return.? I want to establish myself with Prosper so after this loan I can consolidate my credit cards?to get myself completely out of debt in 3 years.? I have a specific plan to do it, but I need your help.?

I refinanced my vehicle loan through my local bank to pay off in 3 years versus 5 at a low interest rate of 6.9%, I had it financed somewhere else at a higher interest rate.??It is a 2006 Ford Explorer and I owe much less on it than the value.? I am unable to get a second loan at my bank for 6 months as I just took out this loan.?

I?work a full-time job 40 hours a week and a part-time job 20 hours a week, both are very stable jobs with stable income.? I have worked my full-time job for 11 years 7 months and my part-time job for 1 year 4 months.? I work both jobs as a medical transcriptionist from my home, full-time for a clinic, part-time for a hospital.?

Monthly net income: $ 3000 minimum to $3400 (Husband is not applying for this loan, but he has a net monthly income of $4000).

Monthly expenses: $1796
??Housing: $ 0 - Husband pays
??Insurance: $ 0 - Husband pays
??Car expenses: $916 (Vehicle loan); very minimal gas?$60/month; I work from home as a medical transcriptionist.
??Utilities: $ 90 (water bill)
??Phone, cable, internet: $190 (cable/internet) Husband pays remaining?bills?
??Food, entertainment: $200 (groceries)
??Clothing, household expenses $?No clothing purchases allowed?at this time
??Credit cards and other loans: $400
??Other expenses: $ 0

opening a truck tire shop

Purpose of loan:
This loan will be used open a truck tire shop

My financial situation:
I am a good candidate for this loan because we already have a trucking business. my husband owns 3 trucks and trailers . we run 11 western states , now we want to get in into truck tire and service business. it is a profitable business and going strong. if you do a search , you wont find any truck service business gone belly up.
we managed to get some funds from other sources but need another $6k . my delinquency on my credit is a result of a short sale on my house , otherwise my credit score would have been higher. thnx.
Monthly net income: $ 6500

Monthly expenses: $ 3487
??Housing: $ 1350
??Insurance: $ 122
??Car expenses: $ 250
??Utilities: $ 120
??Phone, cable, internet: $ 95
??Food, entertainment: $ 500
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 400
??Other expenses: $ 350

Paying a credit card off

I would like to pay my credit card off since the APR went up. I have good credit and i think even great credit but i did pay this card late once by a few days since i went through my bank. I have never not paid any bills and i would like the opportunity to pay this credit card off without the high interest rate they are penalizing me with at 15%. I have always paid all my bills and have never declared bankruptcy or not paid a bill.

Business Expansion

Purpose of LoanLate last year I opened an online hobby shop. I initially started selling on eBay. However, it is very expensive to sell on eBay. I consequently started to build an online store at www.prorchobbies.com. Sales from the store produce a 20% profit margin versus 4% at eBay for the same product. My store is up and running but with a very limited selection of products. It also has had limited traffic as I have not yet had time and/or funds to effectively market the site. I am looking for a loan to help me build out my website with a full line of radio control cars, trucks, parts, accessories and tools.

Qualifications
I started working with online marketing in 2000. I have a good knowledge of what it takes to drive traffic to a website. I have thoroughly researched my market and believe there is plenty of opportunity in the R/C market. One of my hobbies as a youth was radio control cars so I understand and have experience with my market. I have a master?s degree in business and almost 10 years experience as a business professional. I am excited about this opportunity and looking forward to developing this business.

Paying off my credit cards

Purpose of loan:
The purpose of this loan is to pay off my high interest credit cards.??I have been very diligent about maintaining good credit and would like to consolidate my credit cards into a loan that I can pay off instead of paying the high interest on each card.

My financial situation:
I am a good candidate for this loan because I am very responsible when it comes to repaying loans.? I have a solid job as a Mechanical Engineer in the Steel Industry.? I have a wonderful wife who is a Pediatric Occupational Therapist and a wonderful?2 year?old son, who keeps us very busy.? My debt to income ratio is good and I have ample income to repay this loan.? I am current on all my outstanding debts and am looking to get this loan to consolidate my credit cards.

Fence for Primary Residence

Purpose of loan:
This loan will be used to build a fence around my primary residence for the benefit of my golden retriever and husky.

My financial situation:
I am a good candidate for this loan because I have good income and limited expenses. I am going to build the fence regardless but I'd rather maintain my present cash cusion for emergencies and taxes and I think this would be a good way to begin borrowing from prosper to build a positive history.
Monthly net income: $ 9800

Monthly expenses: $
??Housing: $?1200
??Insurance: $ 290
??Car expenses: $?550
??Utilities: $?320
??Phone, cable, internet: $ 100
??Food, entertainment: $?300
??Clothing, household expenses $?200
??Credit cards and other loans: $?400
??Other expenses: $

High income pro needs quick loan

Purpose of loan:
My contractor used his credit card to cover several material expenses on a rental home renovation he did for me.?This was an?unexpected expense for us and I just need a quick loan to get this taken care of.?

My financial situation:
I am an Air Force veteran and highly dependable. I have great employment that pays very well. My monthly expendable income after all bills is between $7500 - $8500 from my job alone. I also receive $855 monthly from rental home income, and my wife runs a bed and breakfast that makes an average of $700 a month. I am willing to provide pay stubs upon request. If you are looking for a borrower you can count on and a good return on your money, I?m your man!

Monthly net income: $ 18555
Monthly expenses: $
??Housing: $?3000????
??Insurance: $ 134
??Car expenses: $ 469?
? Utilities: $ 250?
Phone, cable, internet: $ 150???
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 3000
??Other expenses: $ N/A

Paying Off Credit Cards in 18 mos

Purpose of loan:? This loan will be used to pay the remaining balances on my credit cards.? I accrued the debt during my seven years of graduate school and post-doc during which my finances were extremely limited.? Since entering the work force, my focus has been on eliminating my consumer debt by paying more than the monthly minimum and moving the balances to new credit cards with no interest offers.? This approach has been somewhat successful but slower than I had anticipated.? Additionally, I do not want to continue opening new cards, and a set monthly loan payment will allow me to build up my savings, something that is important during these uncertain economic times.? In order for this loan to achieve my goals, the interest rate must be lower than what I am currently receiving through my credit card companies. I am hoping for a rate of at least 8.5% to improve upon my other alternatives.? ?

My financial situation:
I am a good candidate for this loan because of my good income since graduating in 2005 and finishing my post-doctoral fellowship in 2006 (over $100,000 the past three years). ? I also have a strong credit history.? I currently have 5 credit cards and have paid on time every month, even when I was a struggling student.? Although the loan would be a 3 year loan, I anticipate paying it off in 18 months.

Paying off Credit Cards

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

My financial situation:
I am a good candidate for this loan?for the following reasons. Stable job and will payback immediately alteast 6000.00 by the end of?Feburary with?my tax refund?

Monthly net income: $

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 76????
??Car expenses: $?0
??Utilities: $ 300.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 400
?Clothing, household expenses $
??Credit cards and other loans: $ 600.00
??Other expenses: $ 600.00

travel to europe due to sick father

Purpose of loan:
This loan will be mainly used for possible travel to germany where my father is dealing with health problems

My financial situation:As a tennis professional my pay in tips is greater than my annual income.
I am a good candidate for this loan because of my debt ratio analysis and the positive amount of cash flow.

Helping niece

Purpose of loan:
This loan will be used to continue to finance my niece's college education.?She will be expected to make the payments, and I am assuming the debt responsibility.

My financial situation:
I am a good candidate for this loan because?I ever never defaulted on any loan and pay?my credidt cards in full?every month.?My husband and I own several rental properties and? we have a substantial net worth. All of our real estate has significant equity and we have a positive cash flow on our rentals that we have owned for over 7 years. We have been in our current residence for over 12 years and have equity in excess of $500,000.00. The $95,000 line of credit was used to remodel or primary residency, and the payments are always made on time.
The deliquency is due to the failure of a previous employer to pay for the corporate credit card and related job expenses. I have a nice nest egg and several 401Ks.