Adoption Expenses

Hello and thank you for taking the time to read my listing!

The purpose of this loan would be for adoption expenses for our little family.? My wife and I are unable to have children (the conventional way).? We adopted our first child almost two years ago and she is the love of my life.? We are hoping to bring another sweet child into our family soon, but need help financing the adoption.

I currently work as an insurance agent in Utah.? I am self employed and have a well established business.? I?have payed off a loan through Prosper that helped me?pay off old credit card debt.? For that I am VERY grateful.? I?was never a day late on those payments?and will be able to make these payments with no problem.? I should be able to pay this loan off very early.?

I am genuinely grateful for any consideration you might give me in this matter.? We are very excited and hopeful about the prospect of adding another beautiful child to our family.? Please feel free to email me if there are any questions that I can answer for you.

Thanks again for taking the time.? Have a great day!

Paying off my debt

Purpose of loan:
This loan will be used to? consolidate my debt. I have many credit cards that are near the max and have high interest rates.

My financial situation:
I am a good candidate for this loan because? I am reliable. I have a low-end credit score because of being near the max on all my cards. I always make my payments on time. I just want to consolidate to one loan with a lower interest rate. I make good money racing horses and will always be able to make my payments.

Monthly net income: $ 10,000.00

Monthly expenses: $
??Housing: $ 1200.00
??Insurance: $ 170.00
??Car expenses: $ 0.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 160.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 500.00
??Credit cards and other loans: $ 1,000.00
??Other expenses: $ 3,000.00

supplies

to make day care purchases. ( supplies)

At this time i do not have enough money to do so.

I am Financial responsible and i plan to repay this loan within a timely manner.

Assist with a move from Hawaii

Purpose of loan:
This loan will be used to assist in comfortably making a move from Hawaii to California.

My financial situation is good, I have been saving money regularly for the past five years, I have never been late on a payment, I just need the supplemental funding to assist in the move.

Debt consolidation, pay off 2 cards

Purpose of loan:
This loan will be used to? Pay off 2 credit cards that went to 30% recently and now have a yearly fee.

My financial situation:
I am a good candidate for this loan because... I can easily?afford the monthly payment and I take my debt seriously.? The payment for this loan will replace the minimum monthly payment on 2 of my high interest cards so my monthly expenses will remain the same.??I have listed twice before and I realize I am going to have to pay a higher interest rate due to the delinquincies on my report.??That is o.k. as I would?want the interest that I am paying to go to someone other than the dishonest credit card companies.? These 2 cards were at 16.9% interest with no other fees, when like most of america, my rate nearly doubled to 29.99% with the added insult of a yearly fee.??Somebody will be collecting interest on my debt regardless of who it is.? I would much prefer to be giving it to YOU!??My housing, utilities and phone cable payments are my half of the monthly bill. My husband pays the other half.? A little info on the public record.? I was forced into bankruptcy 5 years ago due to a very very stupid decision to loan a so called "friend" a very large amount of money, only to have them disappear.?? Before that my credit was flawless.? I just need to be given the chance to prove again that I am credit worthy and responsible.? I have learned a very hard lesson.?I will never again?allow myself to be in the situation I found myself 5 years ago.? Since the bankruptcy I have a perfect payment history.?????Thanks for your bid!
Monthly net income: $ 2688
Monthly expenses: $?2072
??Housing: $?370
??Insurance: $ 110
??Car expenses: $ 612
??Utilities: $ 95
??Phone, cable, internet: $ 40
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 345
??Other expenses: $ 0

Debt relief post twins

Purpose of loan:
This loan will be used to consolidate credit card debt we accrued when we were expecting our twin boys, now 6 months, due to increased medical and personal expenditures (travel to and from medical center to see specialist).

My financial situation:
We are good candidates for this loan because, despite our lower rating, we are very responsible and believe in paying back what we owe. We own our home and business (7 years old), including two commercial locations. The recent credit card company policy changes have negatively affected us with super high rates, despite excellent payment history. We'd like to get those cards with the highest rates under control. Prosper recommends a higher interest rate but in order for this to be advantageous to me, the starting interest rate is where it would make a difference for us. If the loan doesn't happen, then that's okay. We hope someone will believe in us and give us this chance. Thanks, in advance.

Monthly net income: $6500

Monthly expenses: $5000
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Paying off my credit cards

Purpose of loan:
This loan will be used to consolidate Chase credit card, they want to increase my interest rate, which is not fair, because of economy. The interest on ?my other credit cards is low, so I don't need help.?
My financial situation:
I am a good candidate for this loan because I am honest and I have a good experience to plan on time my payments, and to achieve my goals.?This is the first time for me when I tried to borrow money from Prosper and I am kind of curious to see how it?s working.

Monthly net income: $ 1,900.00?

Monthly expenses: $
??Housing: $ 400
??Insurance: 116$
??Car expenses: $ 400
??Utilities: 0$
??Phone, cable, internet: $ 50?
??Food, entertainment: $ 150
??Clothing, household expenses: $ 0
??Credit cards and other loans: $ 400
??Other expenses: $ 0

Paying for University

Purpose of loan:
This loan will be used to further my education.

My financial situation:
I am a good candidate for this loan because of my good credit and intense work habits. I'm a responsible hard working man

Monthly net income: $ 4333

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

READ THIS ONE, you won't be sorry!

Purpose:
This loan will be used to pay off debt incurred to improve/fix up our new home. ?In 2009, we had the good fortune to buy a bank owned home for less than market value, but it needed a little improving. ?The loan will reduce our monthly credit expense from $1200 to $783, improving cash flow by $417/month.???

Financial situation:
Monthly Net 2009: ?$6,667
Monthly Expenses: ?$4,992 ?(reduce to $4,575) with approved loan
Projected Net 2010: $7,667 (increase in our associates lease)

Credit Score/HR rating:
Why score dropped: we have a new mortgage and have some credit card balances over 50% of the ?credit limit.?

Income/Business Growing:
Our Prosper loan for business expansion is current. ?It has been paid down from $15,000 to $5900. ?The expansion, now complete, enables us to now accept ALL health plans. ?Our business has grown,?and will continue to grow with the ability to see more patients.


Equity
Combined Home/Business Equity: $290k
Home property value: $350k/loan balance $295k
Office property value: $450k/loan balance: $220k

Excellent Credit with Lenders:
For our recent (2009) mortgage we provided full financial documentation to Wells Fargo and got a 5% interest rate. Our office loan is at 6.6% with our credit union.

Looking Beyond HR:
One of our phrases in psychology is: ?past behavior is a good indicator of future behavior? and it is true for lenders, that?s why they rely so much on the FICO score. ?FICO wants 6 months or more or new payment history to rate you once you take out a new mortgage and as for credit usage - it?s over 50% of the card limit ?so we are being penalized until the mortgage is ?seasoned? and cards paid down.?

Rather than pay an outside financial, or pay credit cards, we would like to deal with P2P lending again, as it is a win/win for all. ?This is where commonsense comes into play. ?The credit cards were used for repairs not willy nilly frivolous indulgences, but to make our home whole and to get in on a great deal, with built-in equity. ?We are not in the habit of ?running them up.? ?That?s the beauty of Prosper: the lenders are not computers, but people who can look at the whole picture, for what it really is.??

I live within my means, and my credit is important to me, and in?9 years, I have never been late on a payment, ever and promise to pay this loan on time and as agreed.

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

Pay Off Citi

Purpose of loan:
This loan will be used to? pay off my credit card, and a few of the medical bills.

My financial situation:
I am a good candidate for this loan because?I pay all of my bills on time, and am trying to pay off all credit! I had been paying down my credit until I got pregnant last year. I had a very rough pregnancy requiring home health care to set up a pack I wore 24 hours a day until I was 7 months pregnant. It was antinausea medication zofran. I was unable to work since I was?so sick, I would go in, be sick in our Lab or bathroom and have to go home. I didn't get on short term dissability, I just ran out my vacation time then had no pay days. I thought my delivery should be smooth after that, but no. I went? 9 days past my due date, and had to be induced. I had 38 hours of labor, three failed epidural, then C-section. A week later I got an infection and was put back into a different hospital.?My open incision did not heal closed until my son was?3 months old.?I do have insurance, but am paying 2 hospitals,?and multiple doctors, and home health bills. When I was pregnant most all of our cash was going to bills and we were charging gas and groceries. It adds up very quickly! Since I have gone back to work we have not charged anything and are determined to get everything paid off. And of course I have to say my son was very worth all of it, but I want to be financially able to start saving for his future!

Consolidating College Debt

Purpose of loan:
This loan will be used to help pay off credit card debt and applied towards loans, both of which I accumulated during my time at the University of Florida. I have recently graduated and am working with an internet start-up business and would like to consolidate my payments.

My financial situation:
I consider myself a perfect candidate for this loan because I am a responsible college graduate who is well respected by his peers. I have never missed a payment on any of my credit cards and I take my credit score seriously. I plan to be very diligent in this loan process so that I leave my name in good standing here on prosper.com. I currently work with an internet start-up business which is on the cusp of great things during a very short period of time.

Paying off accounts

Purpose of loan:
This loan will be used to? repay other loans to save money

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

Monthly net income: $ 4006.

Monthly expenses: $
??Housing: $ 235.
??Insurance: $ 80.
??Car expenses: $ 45.
??Utilities: $ 125.????????????????????????
??Phone, cable, internet: $100.
??Food, entertainment: $200.
??Clothing, household expenses $ 00.
??Credit cards and other loans: $ 250.
??Other expenses: $ 150.

pay off credit cards and home impro

Purpose of loan:
This loan will be used to pay off my credit cards.? I also want to purchase some items for home improvement.

My financial situation:
I am a good candidate for this loan because I have, and have always had a steady job.? I have been working over 33 years.? My former bankruptsy was paid off in full in three years instead of the five years that was given to me.? I chose to pay off my debts instead of having them erased.? This choice was made because I wanted to show my debtors that?I wanted to honor my commitment to pay them.? At that time bankruptcy was the only choice for me.? I have been paying my bills since then. I was able to buy a home and I want to eliminate my current bills and have just two or three payments.? I intend to cancel all of my cards except one (you always need one for hotels, etc.) and have only my house payment, this bill and my utilities.

Monthly net income: $ 4,000

Monthly expenses: $ 2,350
??Housing: $ 1,140
??Insurance: $ 0
??Car expenses: $?150
??Utilities: $ 135
??Phone, cable, internet: $ 310
??Food, entertainment: $ 120
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 450
??Other expenses: $

Paying for college

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: $

Paying off my credit cards

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

My financial situation:
I am a good candidate for this loan because? I am very reliable with my payments...I just got a big raise at work and have more money to pay my cards off so that I can get out of debt.

Monthly net income: $ 1500

Monthly expenses: $ 660
??Housing: $ 0
??Insurance: $ 175 ????
??Car expenses: $ 220
??Utilities: $ 0
??Phone, cable, internet: $ 30
??Food, entertainment: $ 25
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 173
??Other expenses: $ 37

Paying Off my Credit cards

Purpose of loan:
This loan will be used to pay off the balances on several credit cards.? The consolidation of all of my bills will allow me to make 1 monthly payment rather than several.

My financial situation:
I am a good candidate for this loan because I have a?excellent work history and I'm a hard worker.? I was divorced/separated back in 2005 and the the situation with my ex-husband caused my credit issues to spiral.? I have been working to pay the bills that he left me with for quite a while.? It's unfortunate that I have been put in this situation, but I am encouraged and I continue to work towards zero balances.?

Monthly net income: $ 2974.00

Monthly expenses: $
??Housing: $ 550.
??Insurance: $ 150.00
??Car expenses: $ 330.00
Utilities: $ 200.00
??Phone, cable, internet: $ 100.
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 600.00
??Other expenses: $ Childcare $300.00

Mustang GT Repairs

This loan will be used to make repairs to my 1996 Mustang GT.? Currently it needs to have a new intake manifold and air conditioner compressor along with complete tune up.? The estimate from the Southway Ford dealership here in San Antonio is around $4300 for parts and labor not counting taxes.?I am only asking for $3000 to get the intake manifold replaced and complete tune-up at this time, I can wait until the summer for the AC repairs.?This will be my second loan here through Prosper; my payments for this loan will be automatic withdrawals from my account.?The one late payment to Prosper was due to?my retirement from the U.S. Army after 21 years and a delay in my retirement/disability pay.?I recently started?on a new job and will have no problems making my payments.?? Thank you for considering me for this loan.

paying off credit cards

Purpose of loan:
We would like to have just one monthly payment?

My financial situation:
We are in very good shape actually.? We have about $2000 dollars of credit card debt, and a prosper loan for another thousand.? We have?$1500 in tax debt to pay off as well.? All of these are very managable and we make all our payments on time.? We are buying a house in a few months and are looking to get our credit card debt?down to near zero.? Installment debt is veiwed differently by the credit bureaus and this should help us get a better rate, clean up our debt, and have money in the bank for closing costs.? We have been paying on our previous Prosper loan for a little over 2 years and with the funding of this loan we will completely pay off the first.? We had an excellent experience with Prosper the first time and look foward to using the service again.

Monthly net income:?$4200 - $6000 (depending on overtime worked)

Monthly expenses: $ 3034
??Housing:?$1120
??Insurance:?$84
??Car expenses:?$384
??Utilities: $250
??Phone, cable, internet: $96
??Food, entertainment: $400
??Clothing, household expenses: $150
??Credit cards and other loans: $400
??Other expenses: $150

Paying off high interest credit car

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

My financial situation:
I am a good candidate for this loan because I have a full time job that secure in a 5 year contract.? I also have a spouse that contributes to the monthly budget.? I also do pay my bills on time.?

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

Monthly expenses: $
??Housing: $ 960
??Insurance: $ 130
??Car expenses: $ 230
??Utilities: $ 100
??Phone, cable, internet: $ 145
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $ 160
??Other expenses: $

furniture for outdoor seating

Purpose of loan:
?We are a successful fast casual restaurant. At lunch our dining room is filled to capacity. We would like to purchase outdoor furniture to have additional seating spring through fall. We will also be using a portion of it for marketing.??

My financial situation:
We have been in business for 3 years. We have a proven record of repaying our loans.

Pay off credit card debt

Purpose of loan:
This loan will be used to?? To pay off high interest rate bills and close these out by turning them into one managable monthly payment.

My financial situation:
I am a good candidate for this loan because? As the Father and leader of my family I have always paid my motgage and big ticket items on time.? Due to receent set back on my spouse's part ( laid off)? I have fallen behind on 2 credit cards.? We stand united together as a family that things are getting better.

Monthly net income: $
5610.00
Monthly expenses: $
??Housing: $ 2135
??Insurance: $ 100
??Car expenses: $ 400
??Utilities: $ 250
??Phone, cable, internet: $ 125
??Food, entertainment: $ 320
??Clothing, household expenses $ 65
??Credit cards and other loans: $ 586
??Other expenses: $

Prosper Lender to Reinvest

Good Morning,?
???? I am looking to borrow some to use?strictly for?funding loans of our Prosper group: Lenders?Club

?????Not showing on my income above is the rental income from 5 rental properties, some of which are paid off!?

My Prosper investments income can more than pay for this loan!


Either way Good Luck & Cheers,?
??????? Jguide

PS - Since your a Lender, check out the LendersClub - it is a Prosper group for Lenders only!

Benefits of Membership:

Notification of other Lender listings, vetted people with $500 - $250k invested! They like to borrow on occasion - and a WAY safer bet than most listings!
Monthly tips & tricks: Like how to read DTI, results of research that Lenders have done on past returns and default rates explained in simple tricks!
Strategies explained: A few different lending strategies explained each month - there are numerous different strategies - it is good to hear other Lenders ideas.
Ever bid on a 'great' listing - only to watch it go unfunded? Now you can get other lenders to also bid, and watch the listing go funded!
Ever have money to lend but no listings you like? As a LendersClub member you can check their watch others watch lists to find 'great' listings.
A Cool 'badge' for your profile - The LendersClub is the group that gets top returns on group listings, and is a professional group of Lenders.
Need a loan? As a LendersClub member you can get faster funded and a lower interest rate than other Prosper members!

What's in it for me? Nothing - except I get a better return by investing in other Lenders that don't default! That's it!

To check out our group: LendersClub

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.

Need help with school and a car.

I have never used anything quite like Prosper before and as soon as I learned about it I jumped at the opportunity to not only help myself through a rough spot in life with my broken car and increased school costs, but also help people who are willing to aid me through this tough time make some profit in return. I go to school full time and work part time at a busy upscale cafe where I make about 100-150 dollars a day in tips, so even though my stated income may be low, know that I am more than capable of repaying this loan, swiftly.

Also if in case you are wondering about my debt to income ratio, the only line of credit I have that isn't a student loan (which I don't have to start making payments on for another year and a half) is my car, which is used and was purchased from a dealership. The transmission on it gave out a few months after I bought it, and the cost to repair the car is almost as much as the value of the car itself, so now I am stuck making payments on a car that is almost completely worthless. With this money I plan on trading in my current car for what I can, and use this money as a down payment to help me get a new one. The school I attend is rather far away and public transportation is non-existent, so until I am able to get a new car, I am stuck with pestering my friends and family for rides to and from my school and work, which they aren't always able to do.

I know that I may not have the most spectacular credit or even a decent prosper rating, but I really am stuck here in desperate need of help, and I ALWAYS pay my debts back, no matter what.

If you have any questions, don't hesitate to ask and I will answer them back as soon as I can.

To all who bid on this listing, know that I vow to make each monthly payment on time, every time, and I am more than grateful and also thank you for your help.

Purpose of loan:
This loan will be used to buy a used car, a new computer for school, pay for books and lab fees, and also help with rent and other monthly expenses until I finish school next year.

My financial situation:
I am a good candidate for this loan because I make enough money to afford the monthly payments and am HIGHLY motivated in building and maintaining my credit through on time completion of all my loans and credit cards. Should something unexpected happen such as a medical emergency, I have my family to turn to with any help I would need with my payments.

Monthly net income: $ 3250

Monthly expenses: $ 1480
??Housing: $ 450 ??
??Insurance: $ 200
??Car expenses: $ 100
??Utilities: $ 80
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 150

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 2 high rate 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

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

pay off my high interst credit card

Purpose of loan:
This loan will be used to pay off high interest credit cards. I have been paying on time but now they have increased my interst rates.

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

Monthly net income: $ 6000.00

Monthly expenses: $ 5300
??Housing: $ 2500.00
??Insurance: $ 200
??Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $?200
??Credit cards and other loans: $ 750
??Other expenses: $ 300

engagement ring\auto repairs

Purpose of loan:
This loan will be used to?
purchase engagement ring and fix my suv
My financial situation:
I am a good candidate for this loan because?
I pay my creditors on time
Monthly net income: $
2500
Monthly expenses: $
??Housing: $ 950.00
??Insurance: $ 58.00
??Car expenses: $
??Utilities: $ 100.00
??Phone, cable, internet: $ 68.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 220
??Other expenses: $

Summer Future Supplys

Purpose of loan:
This loan will be used to? Keep business going and branch into a new profitable direction

My financial situation:
I am a good candidate for this loan because? I plan to pay this loan back within a very reasonable short time frame?

Monthly net income: $ 7,200.00

Monthly expenses: $
??Housing: $ 980.00
??Insurance: $ 300.00
??Car expenses: $?
??Utilities: $197.00
??Phone, cable, internet: $ 130.00
??Food, entertainment: $70.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 1300.00
??Other expenses: $

buying a used car

Purpose of loan:
This loan will be used to?

Pay for a used car for my husband and i.

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

Have always paid back what I owe whether it was to my friends, parents, etc.
Monthly net income: $ 1100

Monthly expenses: $
??Housing: $ 500
??Insurance: $ none yet abut to find some
??Car expenses: $ if i get this loan it will be for the term per month
??Utilities: $ 20
??Phone, cable, internet: $ 35
??Food, entertainment: $ 70
??Clothing, household expenses $ 30
??Credit cards and other loans: $ 0
??Other expenses: $ 0

"A New Beginning in 2010"

Purpose of loan:
This loan will be used to?Consolidate Credit Cards &?Loans

My financial situation:
I am a good candidate for this loan because?
I am very stable and reliable. I have been on my current job for a large nationwide company for the past 10 years. I have been with my wife for 23 years. She has just graduated college after several years of hard work and determination, with a Degree in Accounting. We have one daughter which will graduate High School this year, ?Class of 2010?. I also own my own?Business, which I have had for the past 7 years.? Although the economy has been slow, signs show a turning point for the future. I have an excellent payment history, and usually have around a 720 credit score. The lower credit score I was given by Prosper is likely due to the amt of current debt, which I will be paying down significantly with this loan. I am currently paying aprox. $1500 per month on the debt I will be paying off. We are very dedicated hardworking individuals, and would greatly appreciate your consideration for this loan. All information is verifiable, and any questions are welcome.
Thanks? in advance.

Monthly net income: $5706.00 together without Overtime and Business Income
Self? $2890 + Overtime / Gross 45,000 yr
Wife? $2816
Business Income / Varies (usually profit is around $10,000 per year)

Monthly expenses: $
??Housing: $ 1353
??Insurance: $
??Car expenses: $ 325 Truck payment
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ Aprox. $1500
??Other expenses: $

Refinancing 1st Prosper Loan

Purpose of loan:
This loan will be used to refinance my original 2008 Proper Loan, plus pay down credit card debit.

My financial situation:
I am a good candidate for this loan because I have a recent Proper Loan, which I will complete paying off in January 2011

Monthly net income: $ 600 (Employment plus art sales)

Monthly expenses: $ (Shared-Living Situation)
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $ 30
??Credit cards and other loans: $ 260
??Other expenses: $ 87

Paying off credit cards, Business

Purpose of loan:
This loan will be used to? pay off existing credit cards, debt consolidation. Make some improvements to Apartment rental Business which I own and operate.

My financial situation:
I am a good candidate for this loan because?My credit score is very high and I've always had very good credit throughout my life. Have always made payments on time with no financial problems. The home we live in and our van and truck are paid in full. We have 25,000 on loan to our son who involved in a motorcycle accident three years ago.His case will be coming to trial in six month. He will be paying us back with his settlement. Consequently, we are a little short on cash at the present time.

Looking to pay off loan and card

Purpose of loan:
This loan will be used to? Pay off an existing prosper loan as well as a credit card and truck loan.

My financial situation:
I am a good candidate for this loan because?I will make sure that every cent is paid back. I have had two prosper loans in the past and have not missed a payment. I hope this will be the last time that I need assistance as I am graduating school next week and will be looking for a new job that pays significantly more.?

Monthly net income: $ 3500.00

Monthly expenses: $ 2,150.00
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $ 250
??Utilities: $ 150
??Phone, cable, internet: $
??Food, entertainment: $ 250
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $ 200

Paying off Credit Cards

Purpose of loan:
This loan will be primarily to pay of two credit cards. The cards have an APR of 28% and 29%. I am paid weekly with a gross income of $1300.00 and my? net income of $800.00. Fixed expenes are a total of $2000.00 per month. Rent $1200.00, Phone(Cell and land), cable, internet, electricity,water and gas total to an amount of 500.00. Food and entertainment is $400.00. Car insurance 76.00, Student loan $108.00.Presently i pay?about 4600.00 towards credit cards payments and about another $400.00(?commuting, lunch. etc)?on other expenes.??I have recently begin to use Mint.com and have the ablility to track my expeneses in an efficent manner.? However it is important you?the lender is aware that my total outstanding credit card balances is 13000.00. I will use 4000 of federal tax to reduce that balance to $9000.00. The remainder of federal returns which will be in the amount of $2000 will be used to reduce the balance of?this loan if approved. My state returns of approx of 1500 will not be spent. Finally, I will be doing tax preparation at Jackson Hewitt this year. I have not in the past two years. Approx income can be very conservatively $2000.00. Thank you

Paying off 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: $

Fix our home

Purpose of loan:
My husband and I are looking?for a loan to help us?to secure?a home with the?ability to fix it up?properly.??We have saved? enough to purchase the home completely outright, but it is a fixer upper and will need to have some investment for basic living.? We are trying prosper because due to my husbands credit we cannot get a bank loan, even though he has a solid job and fairly good repayment history.? If we get this loan this will be our only expense as we will have eliminated the need for a mortgage or rent.? We are not rich, but we are honest and we really need this to help fulfill our dream home, and we both would far rather place income back into someone that helped us make this happen.

My financial situation:
My husband has a good paying job, and with the ability to purchase this house we will have no other debts besides utilities and paying back the Prosper investor.

Monthly net income: $
2400

Monthly expenses: $
??Housing: $ 600 (soon to be eliminated after we close on house)????????
??Insurance: $ 0
??Car expenses: $ 30
??Utilities: $?125????
??Phone, cable, internet: ?$ 45?
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 45
??Other expenses: $

Consolidate Debts

Purpose of loan:
This loan will be used to? It is my intention to pay off the 1 negative item on my credit report, and to pay off the 3 credit cards (never late) that I currently have. The only reason my cards have such a high balance is that I just bought my home, and I had many things to get fixed to move in.

My financial situation:
I am a good candidate for this loan because? The 1 negative item on my credit report is a repossessed van that my Ex-wife was given during the divorce/bankruptcy proceedings, and then she defaulted on the payments. I was never notified that she missed payments, nor asked to pay them. I was not notified of the repossession and sale at dealer auction of the vehicle, The only time I was notified is when they wanted the balance of the debt of the original loan, and sense I was married at that time I am now the sole responsible party for payment. Such is life.

I have never missed or been late on any of my own debts and will not be on this one if funded. I have a lower than prime score right now because I just purchased a $120,000.00 home and a $15,000.00 new car. My payments for both of these are $1100.00 including insurance. The payments to the credit cards will be eliminated and the cards closed.? By paying off these 4 debts my score will be raised significantly.

All I need is for someone to give me the chance to get a fresh start after my divorce. I am a 100% disabled vet and receive Va Comp, I have been retired sence June 1990 and I'm ready to move on to the next phase of my life.? I will answer any other questions that you may have to help fund this loan request.


Monthly net income: $ 3075.00

Monthly expenses: $
??Housing: $ 758.00
??Insurance: $ 105.00
??Car expenses: $ 244.29
??Utilities: $ 145.00
??Phone, cable, internet: $ 45.00
??Food, entertainment: $ 350.00
??Clothing, household expenses $
??Credit cards and other loans: $ 50.00
??Other expenses: $

paying off daughter's medical bills

Purpose of loan:
Hello, I have been trying to get a loan for this for some time now. I do not know where else to turn and if I don't get a loan for this now I know my daughter will sink into so much debt that she will not being able to get out of. My daughter has a medical condition, she is having to see so many doctors and have so many test ran on herself that her medical bills are throught the roof. She lost her job about six months ago and cannot find another one to save her life. Mostly it's because she has to miss so much work going to these doctor's appointments that no one wants to hire her and that is the reason she lost her job in the first place. She is two months behind on her mortgage because of this and she is behind on a countless other bills too. It is driving me crazy that i can't help her and there is no one else that she knows that can help her either. She has a husband that has been deployed to the middle east for about one year. So, she has been going through a lot of this alone. They both have a beautiful daughter together and that little girl is my whole world. I want to help them out so badly and I completely don't know what to do about it. Her husband is suppose to be coming home in a month or so, and my daughter and granddaughter will have to go to Virginia for a full week to be able to pick him up. They are having to stay a week because she doesn't have an exact date on his arrival. She definitely doesn't have any money for this and I don't know what they are going to do if she cannot bring him home. My daughter and granddaughter has been staying with us while her husband has been away but, they have still had their home to pay for. She has been eating with my wife and I, so she hasn't had to buy food. When he returns she is gonna have to have food in their home and they do not have the money for it. I am just asking you to please find it in the goodness of your heart to help me help her. This money will cover all of her problems. Please help!!!!

My financial situation:
I am going to be honest, my credit history is not so good, but, the reason is because my wife has charged up credit cards in my name and never told me she had been using them so, the payments fell behind. i am on my way to making it better. And, I do and have always paid my bills. This is the only reason why my credit is like this. My daughter and her husband will be helping me with this payment. So, there will be two families paying for it. We will get it paid back. That is a promise! Thank you for looking!

Monthly net income: $

Monthly expenses: $ 3800
??Housing: $ 400?
??Insurance: $ 150
??Car expenses: $ 300
??Utilities: $ 300
??Phone, cable, internet: $ 160
??Food, entertainment: $ 250?
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 500?
??Other expenses: $ 100

Pay Off Small Balances & Extra Cash

Purpose of loan:
This loan will be used to pay-off small credit card balances and to have extra cash flow until I the completion/filing of income taxes.

My financial situation:
I am a good candidate for this loan because I strive to pay my debts and I worked hard to credit a solid credit history over the past 10 years.

Internet Marketing Financing

Purpose of loan:
This loan will be used to finance the?funding of my internet business for monetary gain!
My financial situation:
I am a good candidate for this loan because I have already got the business up and running but need financing to continue to grow!
Monthly net income: $ 5150.00

Monthly expenses: $
??Housing: $ 1972.00
??Insurance: $ 200.00
??Car expenses: $ 437.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $150.00?
??Other expenses: $ 0.00

Need a work truck

Purpose of loan:
This loan will be used to? A truck to get back and forth to work, Don't need much

My financial situation:
I am a good candidate for this loan because?Always have my bills?paid on time,?never late. ?

Monthly net income: $ 3300

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 100
??Car expenses: $ 475
??Utilities: $ 115
??Phone, cable, internet: $ 75
??Food, entertainment: $ 125
??Clothing, household expenses $75
??Credit cards and other loans: $ 115
??Other expenses: $ 125

Gettin Ahead - Debt and Home Loan

After buying a home in 2006, we thought we made a sound investment.

Our mortgage payment was 43% of our income, 10% higher than would get approved today. We?ve not missed a payment. Not even when we both went through periods of unemployment. During that time, groceries, gas, and other expenses were paid by credit card so that every penny of cash could go to mortgage payments and utilities. To consolidate the credit card debt we took a consolidation loan.

Our finances did not improve. There was lingering credit card debt, home repairs, a new car, and our income continued to be disproportionate to our mortgage.

Today our income has increased; however, we still have approximately $9,000 in credit card debt. While our property value has decreased, selling our house may be the wisest path to financial security. To reduce our debt into a manageable payment, and to improve our house to offset the drop in value, we?re seeking a second loan.