Debt Consolidation

Purpose of loan:
I will be using this money to pay off a lot of high interest credit cards. After these cards are paid off, my credit score will improve greatly as it's hurt by my high credit available to credit used ratio, I will then be refinancing my truck and be able to save myself about $100 per month. Please know I have never been late on a payment nor have I ever missed one.

My financial situation:
I am a good candidate for this loan because my monthly income is around $3,000 and I have very trivial monthly expenses. My biggest expense is my truck at $420 per month. I exercise a lot so I have a big appetite and, therefore, spend about $100 per week on food. I do not have a rent expense as I live with a friend who doesn't need the money and knows I could use the extra cash to chomp at this debt. And lastly, I pay $50 per month for my cell phone and $100 per month for car insurance.

$3000 (monthly income)
-420 (truck payment)
-400 (food)
-100 (insurance)
-50 (cellphone)
-200 (random expenses/fun)
=$1830 per month to pay my prosper loan

Thank you for your time and interest! I can't tell you how much I'm starving to be debt free and know this i the next step towards that achievement. undefined 

Buying a new car for daily driving

Purpose of loan:
This loan will be used for a used car.

My financial situation:
I am a good candidate for this loan because??this is definitely?not a huge loan, its for my auto loan, and I am?putting?down 40% of?the listed price of this car. I am starting to sell real estate, and mortgage loans, as you know the market has been very up and down. I have since received 2 raises, both on my commission and base pay. I am a senior here and have been with the same employer for 4yrs. I have one neg item on my credit, but this is actually being handled by an attorney to clear, but will take some time. I am not sure how much of my credit can be seen, but my credit cards, are up to date, and all are well below 40% of the credit that is available. I am not a big spender. I live a very moderate life. Thanks guys!

Monthly net income: $ 3000.00 plus commission 1000.00 ~ 2000.00

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 85
??Car expenses: $ 0
??Utilities: $ 80
??Phone, cable, internet: $ 35
??Food, entertainment: $ 250
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 225
??Other expenses: $

Purchase vending machine equipment

Purpose of loan:
This loan will be used to, along with personal?funds will be used to purchse 5 Office Deli Vending machine for a cash vending business. Planet Antares the maker of the machine has an ironclad record of providing business and vending industry support for?a successful vending business. My husband and I have done our research by others in the vending business and those involved with Planet Antares and all are providing an additional cash income to enjoy the finer things in life.?We will be investing $35K or more of our own money to purchase the first three vending machines, sellable product and other company expenses. We will used the loaned money to take advantage of?the 5 machines purchase plan which enables us to purchase future additional machines at 35-50% reduction in price up to machine number 20. This means full expansion in 5 years verse 12 years and increased revenues $72,240.00 verses $206,400.00. It also means reapying loans quicker, requesting additional loans and hiring employees due to expansion.

My financial situation:
I am a good candidate for this loan because we, my husband and I, have never defaulted on any loan obligations in the 35 years we are together. We have the knowledge, the determination and the work ethic needed to make this start-up business be successful and obtain the additional funds to meet our loan obligations and additional funds to enjoy life and our family in a more rewarding way. My husband has been a succeful businessman before his disability and even though he is disabled he has almost 40 years of business success, yet no-one will hirer him because of his disability and his experience for fear of responsibility of injuries or over qualified for their needs.

Monthly net income: $ 7000.00 between mine and my husbands disability income

Monthly expenses: $ 5742.00
??Housing: $1658.00 includes taxes and homeowners insurance?
??Insurance: $325.00 car and an unbrella policy for home and car (the car insurance is partially?paid by?our young daughter for her car $100)?
??Car expenses: $288.00 auto loan but to be paid off by March 2010?
??Utilities: $295?
??Phone, cable, internet: $175 ($20 per month (for cable)?is paid by our daughter)?
? Food, entertainment: $600.00 ($35.00 per week is contributed by?our daugther)
??Clothing, household expenses $25?
??Credit cards and other loans: $2196 this includes student loans which is contributed by both our daughters?$100 per month
??Other expenses: $180 gas/auto?maintanence (our daughter pays her own)?

11 yr old Business

Purpose of loan:

This loan will be used to:.. Enroll new Employee Watch members
This loan will be used to? pay the salary of a national sales manager @ 15,000 + Commission
This loan will be used to...? setup TV and Radio Commercials

My financial situation:
I am a good candidate for this loan because?my wife and I have been in business for ourselves
since 1989 and currently own and operate multiple other businesses and have two rental properties
that add to our multiple income streams.

We have had two members with http://EmployeeWatch.net since 1998 when we established the
company paying us $2,500 and $2,000 respectively per year for our services.? We also enrolled our 1 year
member in December of last year.

We believe that with the right sales team and advertising we can turn our 3 members into 33 in one
year.? Our lowest membership is $1,750 per year based up to 50 employees and with 33 members we would be generating
over $57,000 per year in annual renewal dues without any new enrollments.? This does not take into account that
some members may have more employees which membership annual dues are more.

Our expenses our minimal with the following:

Membership Materials (employee wallet cards, introduction to Employee Watch handouts, wall posters) = $150 based upon 50 employess and goes up from there.
Annual web hosting = $99
Annual Domain Name = $30
Telephone:? $2.00 month

Our service is valuable to employers and employees alike and opens the doors of communication
between employers and employees with an "excuse proof" system for employees to personally or
anonymously report unwanted workplace behaviors such as violence, drugs, sexual harassment,
vandalism, discrimination, safety violations and more without any fears and are able to report it 24/7
from anywhere anytime.


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PERSONAL

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: $

GOL Programs Expansion

Purpose of loan:
This loan will be used to fund expansion of the business through franchising.? GOL provides enrichment programs to preschool and kindergarteners.? Parents pay for their children to participate in one or more of our programs, soccer, dance, yoga and toddler.? I started the company from scratch.? In our first full year, 2008, we grossed $153,000.? Our gross in 2009 was $161,000 --- an increase of 5.2% in a poor economic climate.? We did this by extensive marketing and expanding our client base.? We are located in Virginia and expect to expand moderately at first by offering franchises from New York to Florida.? Franchises will probably cost in the $10-15,000 range plus 8-10% annually.?

My financial situation:
I am a good candidate for this loan because I understand what it takes to be a self-employed individual --- hard work.? My background is in soccer, having played at the college level and now coaching.? For those of you who have knowledge of coaching, I just completed my "A" license course.? I have worked with children during college and now, of course, in my career.? They are the life blood of the business and of the human race.? I know that and those that work for me know that.? We treat them wonderfully and they have fun in our programs.? GOL makes a profit and can afford to make monthly payments on the loan.? In addition we will pay down the loan in chunks as franchises are sold.? The beauty of our program is that it is light on inventory and there is no rent.? All it takes is persistent marketing and the willingness to put in the time.

Making my home handicap accessible

Purpose of loan:
This loan will be used to make my home handicap accessible. I am able to put in about 100k worth of upgrades?in our home?for a fraction of the cost. This will allow my mother who is handicapped to be able to move into our home and have us take care of her. This will make everybodys life a lot easier and in return much happier.

My financial situation:
I am a good candidate for this loan because my credit is excellent and I have a good stable job and have almost no debt.

home repair and personal

Purpose of loan:
This loan will be used to? to pay for repair on my house.

My financial situation:
I am a good candidate for this loan because? i have no credit card just bank debit card.honest customer to pay back.

Monthly net income: $ 1625.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 75
??Car expenses: $ 50
??Utilities: $ 50
??Phone, cable, internet: $ 75
??Food, entertainment: $ 45
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0

Purchasing an RV

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: $

Working Capital/Expand Business

Purpose of loan:
This loan will be used to? expand business add e-commerce, buy vehicle, increase inventory

My financial situation:
I am a good candidate for this loan because? currently working contract to contract, holding nine letters of intent to do weekly business

Monthly net income: $ 120000

Monthly expenses: $
??Housing: $ 735
??Insurance: $ 300
??Car expenses: $ 685
??Utilities: $ 200
??Phone, cable, internet: $ 300
??Food, entertainment: $ 600
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 600
??Other expenses: $ 550

Tractor Trailer

Purpose of loan:
This loan will be used to?? To extend a trucking contract for our personal business

My financial situation:
I am a good candidate for this loan because? I'am in fair credit standing, I have an oustanding payment history with lending institutions which include the payoff of several vehicle loans

Monthly net income: $
The the trucking business after profit and loss is 12,077
Monthly expenses: $
??Housing: $?800
??Insurance: $ 200
??Car expenses: $?n/a
??Utilities: $ 500
??Phone, cable, internet: $ 180
??Food, entertainment: $?500
??Clothing, household expenses $ 100-200
??Credit cards and other loans: $ 600
??Other expenses: $ n/a

debt consolidation

Purpose of loan:
This loan will be used to?
consolidate debt
My financial situation:
I am a good candidate for this loan because?
I will pay you back
Monthly net income: $

Monthly expenses: $
??Housing: $ 700
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Paying off Credit Cards

Purpose of loan:
This loan will be used to pay off credit cards and buy an engagement ring for my soon to be fiance.

My financial situation:
I am a good candidate for this loan because I have never missed a payment in my life.? I am a college graduate with a degree in Finance and I know what would happen to my credit if I were to make a bad decision about borrowing money.

Moving across the world....

Hello,?
??? I am a US Military Veteran still working for the Government as a civilian contractor in Saudi Arabia and will be moving to Colorado?in a month for another government job traveling back and forth from Afghanistan making at least $140,000 a year.? I want a cushion to help with my move across the world and consolidate my current debt as I continue my full time online degree.?
??? I once borrowed $20,000 from Prosper at 19% with a very small income and paid it off within one year.? Last years W-2 reflects what I used to make, around $40k....but I do have pay stubs that reflect that I make $80k a year right now and that amount will double in a few months with my next job.

If you have any personal questions please feel free to contact me at????? ?s c o t t @jnsproperties.com.

"Taking off is an option, Landing is mandatory" unknown

God Bless,
-S??c o t t

Reliable For The Better

Purpose of loan: This loan will be used to repair our two cars. My Volvo 940 has been very reliable and with low miles. My husbands SAAB 900 also with low miles for its age has been well maintained and the transmission already replaced. We were looking into buying new and decided we don't want that payment for a cheapo car. The Volvo has had recent work done, and it was running great, but the alternator just went out. The SAAB runs like a watch but the brakes need work. We are going to get them tuned up and ready for the next five years. This comes at a bad time as we just found a bargain of a house down the street ? twice the house for less money. We have put down the deposit and saved up all the moving expenses, paid off every balance, etc. But now the cars need help. Neither of us actually drive much and these are the best cars we have ever owned, it just makes sense to keep them.

My financial situation: I am a good candidate for this loan because I have previously used prosper for a greater amount and paid if off on time with no slow payments. I am working on some old erroneous credit matters, but we essentially are debt free and thank god never unemployed in our eighteen years together. After seven years at my last job with the airlines I left for a great local opportunity with great benefits and have a one year raise coming up. This job is very secure. My husband has worked seasonally for three years now with great money for an American Cruise line and just got a promotion. His real money starts rolling in during March through October and in off season he still makes more than me. Together we have stuffed my 401K but I am rolling that over as we speak and can't borrow from it now. We are doing good! We have equity in a three acre house in Atlanta and have kept it rented through this whole recession. Our broker says the market is picking up and we plan to sell. This is a good bet for you, It will get paid off!?Below are the true expenses for our household, but my husband pays all of it. It does not reflect his income.

Monthly net income: $ 1525
Monthly expenses: $???
Housing:?$975
Insurance: $ 400??
Car expenses: $ 0??
Utilities: $ 275??
Phone, cable, internet: $ 130??
Food, entertainment: $ 500??
Clothing, household expenses $ 250??
Credit cards and other loans:
$ 675 mortgage??
Other expenses: $ 0

Paying off debt

Purpose of loan:
To pay off bills associated with the birth of my second daughter.??

Why I am a good investment:
-I pay my bills on time and have no deliquencies.
-I have a great credit score.



I really would rather not open a credit card to pay this off.

Payoff Cards & Repair Car

Purpose of loan:
This loan will be used to payoff credit cards and repair my SUV.?

My financial situation:
I am a good candidate for this loan because I have experienced several challenges with the changing economy and have found different sources of revenue within my industry and by expanding the services offered by my business.? I have very few outstanding debts.? My cars are paid in full and the credit cards are minimal limits of $500 and less.

Monthly net income: $ 5,500

Monthly expenses: $ 4,820
??Housing: $ 2,000
??Insurance: $?315
??Car expenses: $ 220
??Utilities: $ 395
??Phone, cable, internet: $ 125
??Food, entertainment: $ 950
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 250
??Other expenses:?
????????????Medical Bills:? $415

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

Peace of Mind

Purpose of loan:
This loan will be used to pay off a handful of high-interest credit card balances, and make a payment of "goodwill" to my mother, who has lent me around $4000 over the past few years.? About half of my credit card debt is student-related (one parent loan paid off via credit card for $2K, remaining balance went to books, student fees, and some living expenses).

My financial situation:
I am a good candidate for this loan because it is important to me to to pay my monthly loan payments on time to protect my credit score, and to become debt-free in three years.

I'm a marine biologist contracted to work for the government on projects relating the the recovery of salmonids in the Pacific Northwest.? Though my profile shows that I've been employed for 4 months with my current employer, I've actually been at my current job for over three years at the same location.? I was started on a new contract, with a new contracting agency in September of 2009.? The entire division switched over to the new contractor for reasons unrelated to my work and it has not affected the quality or continuity of my position.? In the case of job loss, I am confident I could find work again quickly as I have marketable skills and have never had a problem obtaining work in my field.

Like many folk out there, the credit card companies have hiked my interest rates 2x in the past several months, from an initial "fair" rate to up to 17% on one card! I hold two other credit cards with APR's ranging from 12-14% APR, so I am hoping to find a better rate here at Prosper.? I plan to be debt-free within three years, and I hope this loan can help me achieve this goal.

paying off high interest creditcard

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

My financial situation:
I am a good candidate for this loan because? I am retired and my income is fixed.

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 a steady job as a professional and i pay off my loans

Paying off High Interest Cards

Purpose of loan:
This loan will be used to pay off high interest credit card loans.? I'm trying to pay off these cards for good. With the new laws becoming effective, I'm now worried that some of these regulations (inactivity fees, paper fees, changes to default pricing) might negatively impact my progress.

My financial situation:
I'm a good candidate for this loan because I've been consistently paying back my credit card debt, but the high interest rates only allow me to pay the minimum. I don't miss payments. I work in the credit industry (in a very stable job) It's an eye opening experience as to how long I will be paying this debt back...IF I continue on the same path.

My ultimate goal is to get my head back above water by making more effective payments (not just the minimum) and become debt free. As a side note,? I also intend to pay more than the fixed payment starting July 2010. My car will be paid off and those funds will be allocated to paying off this loan.

Thanks. Please feel free to ask questions.

school

Purpose of?loan:
?I have to pay $3000 to continue with my classes

My financial situation:
I am a good candidate for this loan because? I have good credit and I work hard for what I have

Monthly net income: $

Monthly expenses: $
??Housing: $0.00
??Insurance: $?
??Car expenses: $ 189.00
??Utilities: $
??Phone, cable, internet: $35.00
??Clothing, household expenses $
??Credit cards and other loans: $?
??Other expenses: $

Fin Aid approved after deadline!!

Purpose of loan:
Help!? I?have registered?for my classes but my approved financial aid won't come in time! I am pursuing my degree to enhance my skills as a Social Worker; where I work hard to help those who are severely disadvantaged.? I've paid for part of the fees with my credit cards, but am falling short.? Financial aid states that my aid will not post in time.
My financial situation:
Despite this 'rating', I have had over three years of great credit payment history (haven't been late),?have paid off my previous Prosper loan, and have been approved?for financial aid at school, but the office is not able to post it to my account before the tuition due date.? Once the aid posts, I will be able to refund your loan.??My credit score is only this low due to using my credit cards to pay some of the tuition, thus lowering my available credit. This WILL be paid off. My last listing was 99% funded. I am hoping to make the 100% mark in time for the due date.

Monthly net income: $ 1972
Monthly expenses: $
??Housing: $ 665????
??Insurance: $?80
??Car expenses: $284
??Utilities: $?60
??Phone, cable, internet: $?60
??Food, entertainment: $?100
??Clothing, household expenses $?50
??Credit cards and other loans: $ 150
??Other expenses: $ 0

Paying off credit cards

Purpose of loan:
This loan will be used to pay off credit cards that have recently raised my interest rates for no reason. I have always paid on time and more than minimum due but they still raised the interest rate anyway. I called and tried to negotiate since I've been a customer for many years but they were unwilling to help me. The only way they would help me would be if I?failed to pay my bill, they are out of their minds!?I would really prefer to pay someone other than them.

My financial situation:
I am a good candidate for this loan because?
I have had the same job for 9 years and have always strived to pay every bill on time.?I?got married in May and my wife and I are trying to clean up our financial situation. I work as an engineer in a company over 100 years old and my wife is a middle school teacher in a small town.
Monthly net income: $
4800
Monthly expenses: $
??Housing: $ 1225
??Insurance: $ 150
??Car expenses: $?600
??Utilities: $ 110
??Phone, cable, internet: $ 80
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $600 (if I get this loan this will be down to $250)?
??Other expenses: $ 300

Dental Work & Paying off Bills

Purpose of loan:
This loan will be used to pay for a recently diagnosed tooth crown to avoid a more costly root canal. Additionally, this will pay off several small bills from?retail credit accounts

My financial situation:
I am a good candidate for this loan because I am empliyed full time and have additional income from my Navy retirement. While my credit report may not reflect this, I always pay my debts and pay on time. I have a divorce-related bankruptcy in 2004 to eliminate $150K of debt run up by former spouse.? Current financial situation is a result of extensive ($70K+) legal bills as a result?of?action taken in two states by former spouse.? All issues resolved with no possibility of revisitation by former spouse.?My pay raise recently went into effect on 4 January 2010 which?increased my take-home income by approximately $500/month.? Again, the credit report and picture are not?true indicators of my credit-worthiness.? They reflect the effects of several years of legal battles to keep my older son?as part of my family. As previously stated, we have language in our current court order to prevent the former spouse from initiating action again so we can now dig our way of of the financial hole the legal bills have created? (they have been paid off at the expense very high balance to credit limit ratios to the detriment of?my credit rating).

Retired Naval Officer who believes in honor courage and commitment. I provide for my family and will do nothing to put this family in?a position to compromise our financial stability despite the efforts of a litigious former spouse.? I am a man of my word and a man of honor and honor all debts I incur by the terms agreed to at the time of the loan.? Any delinquencies noted on my credit report previously were joint accounts with my former spouse. I was directed by legal counsel not to pay the bills she had incurred after the divorce proceedings had been initiated. In retrospect it was not the best option but former spouse had run up almost $150K in retail debt thanks to my formerly spotless credit record.

Monthly net income: $ 9600

Monthly expenses: $ 7510
??Housing: $ 2960
??Insurance: $ 150
??Car expenses: $ 1000?
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 1000
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 1200
??Other expenses: $ 400

Build Fence

Purpose of loan:
We have 2 new puppies this year and want to build a fence around the backyard.

My financial situation:
I am a good candidate for this loan because I am building towards a complete goal and I am almost there. In the next 2 years I will begin the process of paying off my loans.?We have been building a new household with many expenses and projects that are now at an end. I get paid weekly from work and can pay our fixed expenses in 2 weeks each month.
Monthly net income: $ 8400

Monthly expenses: $
??Housing: $?1200
??Insurance: $ 290
??Car expenses: $?550
??Utilities: $?320
??Phone, cable, internet: $?250
??Food, entertainment: $?3000
??Clothing, household expenses $?200
??Credit cards and other loans: $?700
??Other expenses: $

Start-up for engineering company

Purpose of loan:
The capital from the loan will be used to buy a computer, software, printer, desk, etc. to start a civil engineering business.

My financial situation:
I have a top rated credit score. My wife and I pay all of our bills on time and in full. Furthermore, we have had a?great commitment to continiously spending less than our income which has led to a solid cash reserve in a checking, savings, and money market account along with?a great stock portfolio.

Lenders have no risk in investing in us. We have cash to back the loan. The only reason I am requesting a Prosper.com loan is to use the power of leverage and maintain my cash reserves.

Invest in my wife and myself with confidence! I paid my previous Prosper.com loan off in full and early!!

Monthly net income: $ 7800.00

Monthly expenses: $ 1220
??Housing: $550?
??Insurance: $100
??Car expenses: $0
??Utilities: $100
??Phone, cable, internet: $70
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $0
??Other expenses: $0

Paying off debt

And now, to describe myself:

I am a 28 year old male with a degree from a top university.? I was raised in a wonderful, cheap :)?family living in the suburbs.? After college, I was blessed with a job working as a bond trader on Wall Street, and I'm proud to say I am still working there, and I still love my job.

The purpose of the loan:
Paying off my credit card debt originated last month - who knew diamond rings were so expensive?.? This really is risk free for you, since I have? $25,000 overdraft protection (also at an interest rate higher than I'd like to pay)?on my checking account, and I have my prosper account set up in a manner that will deduct the monthly payments automatically.

Please bid with confidence in the knowledge that I have never defaulted on a loan, I do not carry credit card debt, I am expecting another nice bonus this year, and I have a nice investment portfolio that I could liquidate if necessary.

Thank you again for this opportunity!
Happy Bidding!

Business Credit Card Refinance

Purpose of loan:
I went over my credit limit by $4.53 and the interest rate jumped to from 12% to 29%.? I am looking to refinance the?$7000 currently on the card.?I have not been delinquent on a payment in over 7 years.

My financial situation:
My business can easily make the payments from cash flow. I have been working on improving my credit for the last three years.? A few years ago I had one large client that made up about 80% of business and when they went out of business it really hit me hard. There is a lien for?taxes and that is in?repayment. I now have over 100 clients that pay monthly?with no one client?comprising more than 5% of revenue.

Monthly net income: Personal $4200? / Business: Gross $11,000 Less One Employee $4500 Less Expenses $1200. Profit $1100.?

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 200
??Car expenses: $ 400
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 600
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 300
??Other expenses: $ 500

Pay off credit cards

Purpose of loan:
This loan will be used to end a cycle of free spending. I will use the funds to payoff my current credit card balances:$11,000 and $6,000. I'll pay another card off with cash.

My financial situation:
I am a good candidate for this loan because I always pay my bills on time. I have a steady job with the state with no threat of layoff. I have already created a budget for myself to live by, so that I can break free of this free spending, debt cycle. I own a home and make my payments on time every month. My wife also makes around $40,000/yr though that is not calculated on Prosper, so keep that in mind when viewing my debt-to-income ratio. I typically have a little over a $1,000/month left over after taxes. This will only go up when I implement a budget.

Buying a pre-owned Toyota Corolla

Purpose of loan:
This loan will be used to purchase a very well maintained 2004 Toyota Corolla for my family.

My financial situation:
I am a good candidate for this loan because I have a very robust boutique translation business which has actually more than doubled during the peak of the global economic downturn (from annual earnings of approx. $40,000 in 2007 to approx. $75,000 in 2008). Some 85% of my business is with regular clients with whom I have contracts for set monthly volumes. I am married and my wife is an attorney contributing more than $5000/ month to our household income. We have just moved back to the U.S. from Europe and prefer to drive a five year old car while saving for a downpayment on a house instead of buying a new car. My wife's job offer came unexpectedly so we did not have much lead time to plan the move. We put the whole kit and kaboodle on a credit card, which is why the revolving credit use is so high. The car is the last thing we need to be up and running here. I look forward to answering any further questions from potential lenders.

Monthly net income: $4000(me)/$5300 (spouse)

Monthly expenses: $
??Housing: $2400
??Insurance: $1050
??Car expenses: $100
??Utilities: $150
??Phone, cable, internet: $49
??Food, entertainment: $800
??Clothing, household expenses $200
??Credit cards and other loans: $200
??Other expenses: $0

Taking care of family situation.

Purpose of loan:
This loan will be used to help out my?family.? My oldest daughter recently graduated from college and my youngest daughter recently started.? Some of this money will be used to help them both in their relocation.??

My financial situation:
I am a good candidate for this loan because I have been consistently employed in the construction field since 1980.? Other than a few seasonal layoffs, I have been steadily employed, working every year.? I have almost no debt at this time and with my current income, would be more than able to pay off my loan.? It is only in the past recent years that I have tried to reestablish credit as for many years, I have always paid for my needs and my family's needs directly out of my income.

Monthly net income: $ 3760.00

Monthly expenses: $ 1756.00
??Housing: $ 600.00
??Insurance: $?
??Car expenses: $ 0
??Utilities: $ 60.00
??Phone, cable, internet: $ 322.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 20.00
??Other expenses: $ 354.00

Painting and wiring in new home

Purpose of loan:
This loan will be used to do some basic painting and electrical work in my new home, which I purchased last year.?

My financial situation:
I am a good candidate for this loan because I have an excellent job with a high income and continuous employment at the same company for the past five and a half years.? I have received three promotions, most recently to Vice President.? However, I still have a large amount of debt due to my lengthy days as a graduate student and some initial difficulty getting established in my career.? My early struggles are now your gain, as I'm willing to accept a high interest rate so that I can make my new home comfortable.

Monthly net income: $ 8200

Monthly expenses: $
??Housing: $ 2700
??Insurance: $ 20
??Car expenses: $555
??Utilities: $ 150
??Phone, cable, internet: $ 250
??Food, entertainment: $ 1200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1200
??Other expenses: $ 700

pay off credit cards, school loans,

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 some cards

Purpose of loan:
This loan will be used to?payoff credit cards and more
My financial situation:
I am a good candidate for this loan because? My credit is fairly good standing

Monthly net income: $ 4800.00

Monthly expenses: $ 50.00
??Housing: $ 1200.00
??Insurance: $ 60.00
??Car expenses: $ 316.00
??Utilities: $ 30.00
??Phone, cable, internet: $ 40.00
??Food, entertainment: $ 40.00
??Clothing, household expenses $ none
??Credit cards and other loans: $ 600.00
??Other expenses: $ none

New Truck for my business

Purpose of loan:
This loan will be used to?Buy my own truck for auto transport. I drive for an auto transport company now 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 driving a company truck to 85% with my own truck. I will be able to pay off this loan much sooner than the 36 month term.

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 body shop business. I guess I picked the wrong time to open a body shop in 2003. Location and the economy weren't very good at the time.
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% now? to 85% or more weekly. Thank you for any considerations you may give me.

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 credit cards

Purpose of loan:
This loan will be used to pay off my current credit card debt. I am trying to escape high interest rates so that I can pay this off sooner and start saving money toward a down payment on a house.

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

Monthly net income: ~$2500

Monthly expenses: $
??Housing: $667
??Insurance: $16
??Car expenses: $87
??Utilities: $50
??Phone, cable, internet: $50
??Food, entertainment: $250
??Clothing, household expenses $100
??Credit cards and other loans: My current minimum credit card payments are close $600 a month. I put all available income toward paying more each month.
??Other expenses: $50

Paying off High interes loans

Purpose of loan:
This loan will be used to pay off high?interest loans and credit cards?

My financial situation:
I am a good candidate for this loan because I have steady income.? I've work on my job for 22 years.? I have had several loans with the Delta Community Credit Union and have paid them back successfully.? I have now fallen on hard times and need an hand not a hand out.

Monthly net income: $ 850.00

Monthly expenses: $
??Housing: $340.00
??Insurance: $ 289,99
??Car expenses: $0
??Utilities: $ 0
??Phone, cable, internet: $ 69.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $549.00
??Other expenses: $ 0

Debt Relief

Purpose of loan:
This loan will be used to consolidate 4 credit cards that got out of control.

My financial situation:
I am a good candidate for this loan because I have a good credit score, I'm never late on a bill and can pay off this loan within 2 years. I currently pay over $1000.00 a month on my credit card payments. If I could just consolidate these payment to one lump sum I can pay off this bad debt more rapidly. I currently make $81,500 per year and was just given a 6% raise.

Paying off credit card debt

Purpose of loan:
My husband just graduated with an associate's degree in nursing.? He will be taking the NCLEX shortly and our income should increase significantly once he starts working as an RN.? During his last year of school, our dog required a $2,000 surgery, and my grandmother had medical issues that required her to sell her home and move into assisted living.? Since we were the only ones in the family with enough cash to purchase it, we bought her home.? However, we didn't plan on buying a home this early, and over the year topped out at $10,600 in credit card debt (on a single card) due to the dog's surgery, needed repairs to the home in order to insure it, and my husband's final semester of tuition.? I am confident that we will be able to pay it off by September on our credit card (with a 18.9% APR), but we can pay it off faster with less interest through Prosper.com.

My financial situation:
I am a good candidate for this loan because I have never been late on a payment.? Before we purchased the home, we paid our credit card off in full every month.? We own two cars outright and have no student debt.? No children and both of us are in good health.? We always have $1,000 in savings in a savings account (doing Dave Ramsey's plan).

Monthly net income: $4,069

Monthly expenses: $
??Housing: $498.20 (15 year mortgage, 5% interest rate - financed by an individual.? This is why we are not listed as homeowners on this site)
??Insurance: $ 60 (homeowners) and $100 (health insurance)
??Car expenses: $283 (we own 2 cars; only expense is insurance and gasoline)
??Utilities: $ 250 (water, electric, nat. gas)
??Phone, cable, internet: $ 145
??Food, entertainment: $ 500
??Clothing, household expenses $ 400
??Credit cards and other loans: $ Right now, whatever is left over after we pay our bills.? At least $1000 per month currently goes toward debt, but since December 16 2009 we have paid $5,800 toward our credit card debt.
??Other expenses: $ 100 for pets

Paying off a high interest loan

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

My financial situation:
I am a good candidate for this loan because I have always paid my debt and worked 2 job most my life to do it. I am also married but didn't use my husbands income in my application.

Monthly net income: $?4250

Monthly expenses: $
??Housing: $ 1000????Insurance: $ 60
??Car expenses: $ 500
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Consolidating debt - Pay med. bills

Purpose of loan:
This loan will be used to consolidate a few bills, as well as pay off a medical bill that unfortunately is still outstanding.?

My financial situation:
I am a good candidate for this loan because until recently I was a homeowner for the past 10 years.? My credit was impeccable and have no late payments on my credit history.? Unfortunately, with the housing market taking a turn, and the value of my home declining significantly, I needed to do a short sale on my property.? As a result, my credit scores were affected.? Again, I have no negative credit issues, with the exception of my short sale situation and I pay everything on time, every month.

Monthly net income: $ 5000

Monthly expenses: $
??Housing: $1600
??Insurance: $ 100
??Car expenses: $650
??Utilities: $?200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $?1000
??Other expenses: $

Fix Trans in 2006 Dodge truck

Purpose of loan:
This loan will be used to? Fix transmision in 2006 dodge truck, Will be Fly out back to work next week and need to fix truck before I leave.

My financial situation:
I am a good candidate for this loan because?
I repay all my loans, Just need to fix truck before next payday.do not want to cut myself short of money.????

Monthly net income: $
3040.00 salary,? 518.00 perdiem????
Monthly expenses: $
??Housing: $ 1385.00????
??Insurance: $ 32.00
??Car expenses: $ 230.00????
??Utilities: $ 100.00
??Phone, cable, internet: $ 49.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $175.00
??Other expenses: $ 100.00