investment

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

My financial situation:
I am a good candidate for this loan because?im still making decent money at my business

Monthly net income: $ 5500

Monthly expenses: $
??Housing: $ 2250
??Insurance: $ 150
??Car expenses: $ 300
??Utilities: wifes check
??Phone, cable, internet: $ 300
??Food, entertainment: $ wifes check
??Clothing, household expenses $ wifes check
??Credit cards and other loans: $ 200
??Other expenses: $ none

Paying off a credit card

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

My financial situation:
I am a good candidate for this loan because I pay all my bills on time and have been self employed for 12 years now with a successful contracting business. The monthly expenses and income is my part of the bills and does not reflect my wife, who works as a teacher, and pays half of the mortgage and bills of her own.

Monthly net income: $ 2,500-3,000 Monthly expenses: $ 2,045?Housing: $555
??Insurance: $65
??Car expenses: $75
??Utilities: $100
??Phone, cable, internet: $100
??Food, entertainment: $300
??Clothing, household expenses $
??Credit cards and other loans: $700
??Other expenses: $150

Debt Consolidation

Purpose of loan:
This loan will be used for debt consolidaton

My financial situation:
I am a good candidate for this loan because I have the financial means to pay for it from my salary and saving bonds that will mature which will enable me to pay the note. In addition I have a stable residence and have been employed for over 18 years and have investments that have not yet matured.??

Monthly net income: $ 3833.00

Monthly expenses: $
??Housing: $ 871.00
??Insurance: $ 150.00
??Car expenses: $ 200.
??Utilities: $ 140
??Phone, cable, internet: $ 89
??Food, entertainment: $ 150
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 992
??Other expenses: $ o

pay off credit card

Purpose of loan:
This loan will be used to?

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

Loan for a wedding

Purpose of loan:
The loan will be used to pay for a wedding in late spring. A portion of the amount will go towards hiring a professional photographer and musicians. The rest of the loan will be for catering and decor. Other wedding expenses have already been taken care of.

My financial situation:
I am a good candidate for this loan because I am fully employed and have no expenses?outside of?rent, utilities,?and food. My car is fully paid for and I make no monthly payments towards it. My auto, medical, and life insurance policies are covered and paid for by my family so I do not have those expenses. I also own a small partnership that generates a little extra?income. This, in addition to?my new job, gives me an excellent means of paying the loan. My credit score is very good and I have almost no debit besides one active?credit card. Furthermore, I have NO delinquencies on my credit reports and would never start my marriage with a lowered credit standing.

Paying off my credit cards

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

My financial situation:
I am a good candidate for this loan because? I always pay on time.? I have an excellent credit score.

Belated Anniversary

Purpose of loan:
This loan will be used to take my lovely wife out of town for a belated anniversary. Our real anniversary was cut short by an illness and subsequent death of a close family member. I want this to be a total secret to her, and therefore am using this loan request to ensure privacy.

My financial situation:
I am a good candidate for this loan because I'm a well paid professional with good credit and timely payment history.

Pay off car repairs

Purpose of loan:
This loan will be used to pay off my car repairs. Had items on my car to mess up and?I need to get it fixed so I can go to work.?It was an unexpected expense.I need at least 1200 for the repairs so please no low bids.
My financial situation:
I am a good candidate for this loan because I have both a checking and savings account with suntrust.
Monthly net income: $ 1600

Monthly expenses: $
??Housing: $360
??Insurance: $ 27
??Car expenses: $
??Utilities: $ 100
Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 70
??Other expenses: $

GUARANTEED PAYBACK; 740+ Credit!

Purpose of loan:
This loan will be used to?purchase inventory for a new business venture - Health Supplements. I already have low-cost cGMP Manufacturers that I've negotiated agreements with to provide the lowest-cost manufacturing capabilities. Additionally, I have a patent-pending formula (via my work with Columbia University & NYU Researchers) that increases mental cognition, memory, improves overall health, increases the bodies natural immune system and also improves mood, drive and well-being). This supplement has the potential to mitigate the usage of existing SSRI anti-depressants (they have anti-cholinergic affects that can lead to dementia, dementia & delirium)

My financial situation: I'm well-off and am a Prosper Lender! I make good money and decided to post this loan because I'd like to possess experience on the Prosper Borrowing side, instead of just the Lending side.

I am a good candidate for this loan because I live below my means, have NEVER been late on any bill (most of my bills draw directly from my checking account) and have adequate savings, much less income, to cover this loan. I'm very financially responsible. My credit score is 740+. Plus, I have 3 sources of income (finance, entertainment industry & rental subletting).

This is as much of a "sure-thing" as there is! Please provide me with the opportunity to exceed your expectations when you place your trust in me.

Thank you.

New Start up

Purpose of loan:
This loan will be used to?
Start a new breafast and lunch counter thay is located in an manufacturing area.? This area has limited resoucres for the breakfast and lunch crowds.

My financial situation:
I am a good candidate for this loan because?
I am a partner in a succesful paint contracting company.? This company was started with $5,000.00 and hard work.? It has grown into a business with a good revenue steam.? I have very good credit rating, even over the lasted 8 years that I have been self-employed.

Installing new roof

Purpose of loan:
This loan will be used to install a new roof on my house.

My financial situation:
I am a good candidate for this loan because I have high income and a stable and secure personal and professional life.? I have been married for 18 years and have 3?children.? My first mortgage performed an appraisal last year, and my home appraised at $375,000.? The first mortgage balance is?$295,000.? I am willing to allow this loan to be secured by a second mortgage on my home.? My current credit score is in the range of 650 to 695, depending on which agency you consult.? There are two parts of my credit history that should be explained.? At my old law firm, when I left to join the current firm, I was bought out, and my old firm reported my buy-out in a way that resulted in a hefty tax bill to me.? Various CPA's told me my old firm reported my buy-out incorrectly (basically "stuck it to me").? I fought them on it for months, and I eventually had an IRS tax lien filed 6 years ago.? I unfortunately ignore the numerous form IRS notices that were sent to me while I was battling the issue with my old firm.? Once the lien was filed, I paid it off immediately, but it will be on my record until next year (2011).? Also, we are carrying credit card balances that we are now making an effort to pay down.? We went through extensive infertility treatment 6 years ago to be able to have children (in the range of $24,000), and we were forced to use credit cards at that time as a result of the exorbitant medical costs - and my income was at least half what it is now.?I'm happy to answer any other questions anyone might have.

Expanding my Exising Law Firm

Purpose of loan:
This loan will be used to continue to expand my law firm.?

My financial situation:
I am a good candidate for this loan because:
????(1) I have been averaging about $12,000 in gross revenues for the past year;
????(2) I paid?back my previous Prosper loan on time and was never late with any payments;
????(3) I have very low overhead.?

Monthly net income: $?9,000???

Monthly expenses: $
??Housing: $ 3700
??Insurance: $ 100
??Car expenses: $ 100?
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 800
??Clothing, household expenses $?50
??Credit cards and other loans: $ 400
??Other expenses: $ 300

Getting a new commuter vehicle

We just bought our first house!

...But it's 4 times further from where I work and I drive this thing:

http://farm4.static.flickr.com/3082/2905333351_eed38ed2f6.jpg

I love it to death but a 6 cylinder 80s sports car is not great for commuting!

I'm getting a cheap motorcycle! I've already went and gotten my permit, I just need to get the actual vehicle. I'd normally have the money but am just a tiiiiiny bit tapped out from buying a home.

I'm gainfully employed at a tech startup that has just partnered with Google to bring audiobooks to the Android smartphone platform. In other words, I won't be defaulting on a $1,000 loan. Banks are a pain in the butt and I'd rather support another regular human being. Let's do this!

Oh, and here's a Corgi.

Paying off payday & small loans

Within this year, my wife & I have suffered a major tragedy.? We lost our firstborn child due to stillbirth.? Because of this, I am trying to help my wife take added stress and pressure off of her by paying off some of her financial debt.? I am financially responsible and do not believe in paying my bills late.? I make a good salary which would enable me to also make the payments of this loan as well as other household expenses. I would also be able to responsibly pay this loan off without any problems.

Dental implants needed

This is the 2nd time placing this ad because last week I mistakenly put that I was employed and I am self employed. I could not provide a w-2 and the loan was cancelled by Prosper. Please bid on my loan again. The 1st listing was rated "C" and now it is "E" and the only thing I have changed is my employment status to SELF EMPLOYED.

Purpose of loan:
This loan is to have my missing front tooth replaced with a dental implant.
I have placed this loan at 28% with the hopes that it will get attention and bid down.

My past financial situation:
I have been an Apple Authorized reseller and service provider since 1994 when I opened my first retail office. I built my office up to 5 full time employees by 1999. In about 2001 the big box stores came to town, I tried everything to stay open but found myself in a position that had no way out as employees left. I became very frustrated with the fact that I would spend so much time and money training and keeping high tech employees.

In 2003 I made the hardest decision of my life to file bankruptcy at the recommendation of my CPA and close my store. Soon after I found that not having employees was a very good thing. I was also able to pick and keep the best customers and service them even better all myself. This turned out to be the best thing to ever happen to me.

www.macservices.net

My Current financial situation:
Just sold my 2007 Honda Element and have $550 less in payments.

Assets free and clear:
1976 BMW R100/7, $3500.
1951 Chevy Truck 3 window, $9,000.
1951 Chevy Truck 5 window, $12,000.
1994 Crown Victoria, $2500, This is my daily computer assault vehicle.


Delinquencies:
All delinquencies are from the Business Bankruptcy in 2003.

Monthly gross income: $ 6500 to 7500

Need Money For Tuition..

Purpose of loan:
This loan will be used to? pay my tuition at my university.... I go to Pacific Lutheran University which is a private school... and finacial aid wasnt enough to cover tuition...because i applied late on my fafsa...so my main purpose would be paying to go to school..

My financial situation:
I am a good candidate for this loan because? i always pay my debt... and i work, and i never like to owe people anything and ill do whatever i can to pay my loan back..i dont have to pay for housing because i live with my parents.. and i dont have alot of expenses so it wouldnt be a problem at all to pay back my loan

Net pay: $ 1800

monthly expenses: $
??Housing: $ 0
?Insurance: $ 135
??Car expenses: $?(gas) 100
'??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 100

Pay off High Intrest Credit Cards

Purpose of loan:
This loan will be used to? Pay Off High Interest Credit
Cards

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

Monthly net income: $ 900.00 bi weekly

Monthly expenses: $
??Housing: $ 532.00
??Insurance: $
??Car expenses: $
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 80.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $10.000
??Other expenses: $

Repairing the pool

Purpose of loan:
This loan will be used to repair the pool in our new home. ?

My financial situation:
I am a good candidate for this loan because I have been in the same field for 10 years and with the same employer full time for over 5 years.

Monthly net income: $ 4443

Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 200
??Car expenses: $?200
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 200

Pre-season Inventory Purchases

Purpose of loan:
This loan will be used to? take advantage of Pre-season Inventory discounts.

My financial situation:
I am a good candidate for this loan because? been in business for?10+ years in the same location.

Monthly net income: ~$ 1800.

Monthly expenses: $ 1000.
??Housing: $ 0.
??Insurance: $ 100.
??Car expenses: $ 425.
??Utilities: $ 0.
??Phone, cable, internet: $ 0.
??Food, entertainment: $ 200.
??Clothing, household expenses $ 100.
??Credit cards and other loans: $ 175.
??Other expenses: $

Paying Off High Interest Cards

Purpose of loan:
This loan will be used to?
We have too many high Interest Rate Charge Cards. We will pay these off and close the accounts. This will enable us to have a lower monthly payment because they are combined instead of all of the separate payments.
My financial situation:
I am a good candidate for this loan because?
We work very hard for everything we have, unfortunately when we were younger we fell victim to the ease of paying with credit. We have definitely worked past this, and save money for larger purchases instead of using credit. My wife and I each have 2 jobs that we work, so we can pay more than the minimum on our accounts.
Monthly net income: $
$4400 this is mine and my wife's typical salary. My wife also earns tips above and beyond this amount. Typically a couple hundred per month
Monthly expenses: $
??Housing: $1137
??Insurance: $140
??Car expenses: $450
??Utilities: $325
??Phone, cable, internet: $55
??Credit cards and other loans: $700

Retirement business

Second loan through Prosper for a delivery vehicle which will decrease our shipping costs. Money will also be used to add on another room to the studio since the business is growing.

plumbing upgrade

Purpose of loan:
This loan will be used to provide improved water delivery system throughout home.?

My financial situation:
I am a good candidate for this loan because my home is paid for and my expenses are?low?

Monthly net income: $
1,025.00
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 65.00
??Car expenses: $ 0
??Utilities: $ 190.00
??Phone, cable, internet: $ 144.00
??Food, entertainment: $ 170.00
??Clothing, household expenses $ 75.00
??Credit cards and other loans: $ 93.00
??Other expenses: $

Thriving For Success

As you can see, I have already received a loan from this site and have been paying each and every?month (never late).?I feel that is?proof that I will not have a problem paying for a second loan. (which I will pay off with this new loan).?=0)

Hello, I am a 28-year-old young woman?who has been living on her own for?7 years now. I was working for the same company (Outpatient hospital facility) for 4 years but recently made the resume jump to a better paying job.?I have security at the new cardiology office?as I work overtime each weekend (about 50-60 hrs week on average). I am officially certified in Medical Coding & Billing as I graduated with honors last year and am looking to extend my knowledge a little more. I have looked into and signed up?for University of Phoenix online and am hoping to start that?within the next month.?I would like a second loan to pay off my?first prosper loan, put money?towards some of my schooling, as well as some dental work that I need to have done. Unfortunately, when I switched to a better paying job, I lost my dental insurance and have atleast 2 or 3 root canals that are severe in nature. I know my credit rating?had dropped a few years back, but I have since been?rebuilding it and have been able?to get things back to?normal.?

??My?future is very important to me & I intend on making a life for myself that does not involve the struggles most people deal with on a daily basis.?I want more for myself. Especially since there has been talk about Social Security being taken away from us by the time I retire. Financially speaking, it is getting tougher for people of my age to secure a good future.?Since I have received my national billing & coding?certification, I am confident that?I will meet & exceed my long-term goals which includes my obtaining a degree soon.?I know what I want and how to obtain it. If you should have any questions or would like me to verify any of this information please do not hesitate to ask. I am more than willing to show proof of anything you may request. I appreciate all who have taken the?time to read this. Thank you and God Bless.?

Below is what I pay on a monthly basis:
Rent $910.00
Car Insurance: $104????
Car payments: None
Cable/Modem: $130.00
Electric: $30.00 - $40.00
Phone: $50.00
Credit Cards: $120.00
Student Loan:??$50.00 - $150.00
Food: $100.00 - $200.00
Gas per week: $40 (I live?within?minutes from where I work)???
The apartment, electric, cable/modem, &?phone?are?all in my name.

Paying off our credit cards

Purpose of loan:
This loan will be used pay off high-interest credit cards.

My financial situation:
We are good candidates for this loan because we make good money and are responsible people. But prior to the enactment of the new law prohibiting credit card lenders from arbitrarily raising rates, they have ALL done exactly that. Our minimum payments have since doubled. My wife is now in full-time nursing school, and will have her RN at the end of this semester. Because of school, she has not been able to contribute to our household income, and we have been borrowing in the form of student loans to make our monthly budget. However, our budget is sound and we have been doing fine, but would like to save the money spent every month on interest and possibly have a lower payment as well.
In addition to my verifiable wage income of $55,350.00 in '09, I have about $15,500 in 1099 income earned at a side job. Additionally, I have obtained my California General Contractor's License and started my own business. I have begun my first contract, and already lined up two more, to be completed later this spring. Despite the slowdown, I have remained in full-time employment, and have broadened my earnings potential by adding other sources of income. I have a prior positive loan payback history on Prosper. I will be happy to answer any questions about my current income or our future income potential. Thanks

Consolidate debt

Purpose of loan:
This loan will be used to?
consolidate high interest short term debt and credit card debt
My financial situation:
I am a good candidate for this loan because?
My husband and I both have well paying secure jobs which we can provide paystubs and w-2's? (we both have BSBA's in Accounting).? We have never ever?had a late payment?on our credit report (13years).? Our score is a little low due to the amount of debt we have.
We took out some short term loans with high interest ?to keep our payments current.? We have 2 automobiles,a 2002 chevy Cavalier and a 1998 Nissan Frontier pickup (total fair value $7,000?) that we would be happy to use as collateral to help secure a loan.? We will also provide any financial or additional information needed.
Monthly net income: $ 6,846
mine 2816
spouse 3380
rental income 650

Monthly expenses: $?
??Housing: $ 2595
??Insurance: $ 115 (auto)
??Car expenses: $ 300 (maint and fuel)
??Utilities: $?400
??Phone, cable, internet: $ 175
??Food, entertainment: $ 850
??Clothing, household expenses $
??Credit cards and other loans: $?500
??Other expenses: $ 594 (rental home mortgage)-we have not sold this home because we have excellent renters (15mos) and are next to a major hospital that is expanding and has show interest in the property just haven't made any offers yet.

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?

Satellite office start-up

Purpose of loan:
This loan will be used to start up a satellite medical office in New York.

My financial situation:
I am a good candidate for this loan because, even though we suffered a major computer crash last year from which?it was difficult to recover, we pulled through
and are starting to thrive again.? Cash flow (as well as my personal credit) was significantly affected, but we're back to almost 100% and the opportunity to open a satellite office in a great location presented itself.

Monthly net income: $ 15,000 (combined)

Monthly expenses: $
??Housing: $ 6400
??Insurance: $ 250
??Car expenses: $ 600
??Utilities: $ 500
??Phone, cable, internet: $ 150
??Food, entertainment: $ 800
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 2500
??Other expenses: $

Helping Mom With Car

Purpose of loan:
This loan will be used to help my mom get a car. She is currently unemployed and needs a car to get around to find a job and pick up little brother from school.

My financial situation:
I am a good candidate for this loan because i will always be on time with the payment and i feel like this can very much assist her without putting me in a bad situation.

Monthly net income: $ 2660

Monthly expenses: $
??Housing: $ 675
??Insurance: $
??Car expenses: $ 447.40
??Utilities: $?49
??Phone, cable, internet: $ 125/cable:75
??Food, entertainment: $?55
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Start up funds for insurance agency

Hello All,

The requested funds will be utilized to assist with the first year execution of an established marketing plan for a new State Farm agency that I will open on July 1, 2010. In addition to the commission I will earn on policy premium, I will receive an additional $11,000 per month from State Farm for meeting sales goals. I am an President's award winning sales professional with 18 years of experience and I have consistently exceeded my sales quotas over this period. These funds will enable me to conduct marketing efforts that will allow me to make a footprint in the community that I will serve, which will result in additional opportunities for my three-person staff and I to close sales and increase retention of earned clientele.

Thank you :-)

Consolidating Payments

Purpose of loan: This loan will be used to consolidate current debt that I have on a couple of closed credit cards that I am making payments on. I would like to find a loan at a rate lower than 16% as that would be lower than what I am currently paying on these accounts and otherwise it doesn't really make sense to go this route but I would still like to explore Prosper.com as an option.

My financial situation: I am a good candidate for this loan because?for the next year I do not have a housing payment (including utilities) and after that my housing payment will only be $350. I have a newer car, which?is paid off, so I don't anticipate needing to make any large purchases for the foreseeable future. The debt that I am consolidating?is from 3 closed accounts, which I am?making payments on.

About a year and a half ago I was laid off from my job for 4 months and because of that,?I had some problems paying my bills, especially?since paying for health insurance was a huge portion of what I was bringing in from unemployment.?Since being re-employed 14 months ago,?and since I now work at a bank, I have learned a lot about credit scores, how they work, and what?affects a credit score. I have also been making all payments on time and much higher than the minimum due. I would like to continue that,?but I would like to explore other opportunities for lower interest rates, which is my goal on Prosper.com.? I appreciate you considering me as a potential loan candidate!

Monthly net income: $1750 (after insurance and taxes).

Monthly expenses:?
Housing: $0 - This will be the case for at least the next 12 months as I am living with my parents who do not charge me rent, utilities or food.???
Insurance: $40 - Car insurance.??
Car expenses: $0?-?I recently paid in full?for a car from my parents. It is?in great condition?and I don't anticipate any major maintenance needed in the foreseeable future.??
Utilities: $0???
Phone, cable, internet: $56.00???
Food, entertainment: $200.00 my goal is to stay under this amount per month, but this is what I have budgeted.??
Clothing, household expenses: $???
Credit cards and other loans: $approx 260.00 in current payments - these are the items I will be using the debt consolidation loan for.??
Other expenses: $0

moving expenses

Purpose of loan:
This loan will be used to finance a move to my new job
my company will pay some of the reallocation cost but only at my first paycheck

My financial situation:
I am a good candidate for this loan because I will be able to repay the loan very quickly since my employer will be paying me back

Monthly net income: $ 6000

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 200
??Car expenses: $ 400
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 1000
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 450
??Other expenses: $

investing in new business opportuni

Purpose of loan:
This loan will be used to?setting up a home office?

My financial situation:
I am a good candidate for this loan because? Since I?lost all my credit cadr debt,I have never been late on a car or house payment

Remodel Kitchen Bathroom

Purpose of loan:
I will be using this loan?remodel the kitchen and bathroom of a house I am buying. I can pull it out of my 401k as a loan but I'd rather not touch it.


My financial situation:
I am a?great candidate for this loan because I have paid off many loans of this amount and this one will be no different. If you look at previous listings I have worked very hard,?paid off tens of thousands of dollars and?cost me the last 2-3 years rebuilding my credit.

Monthly net income:

Varies with?overtime. $5,000 - $7,000?

50k in 401k.
10k in checking.

I am a prosper lender. Check lendingstats.

Monthly expenses:?

Rent - $1130 - going up to 1400 mth when we move in new house.
Food - $400
Utilities - $300
Entertainment - $200
Prosper Loan in Wife's Name - $558
Credit Cards - $60
Merchanside?Cards - $30

Debt Consolidation

Purpose of loan:
Consolidating recent purchases on engagement, wedding and a new house.

My financial situation:
Right now I'm making monthly payments of $500 or more, over 3x the minimum amount required, but the 20+% interest over the next year on some of these credit purchases is unsavory and I wish to find a better rate.

Pay CC Debt

Purpose of loan:
First I would like to thank everyone who participated in my last successful request (March 2008). This loan is presently active and I am faithfully fulfilling my obligations to Prosper and those who helped make the loan possible. This loan will be used to pay down some credit card debt.? The total amount on three cards is $7800. The $4000 I am asking for will help pay down some of the $7800.
My financial situation:
I am a good candidate for this loan because?? I have worked hard over the years to build a good life for my family and have tried not to ignore my commitments to lenders. I have never missed a payment to date on my first loan, and have always paid it on time and I have no intention of slacking on this.? The DQ has been resolved, but still appears on the credit report. I would really appreciate your consideration. Thank you.

Monthly net income: $ 3892

Monthly expenses: $ 3596
??Housing: $ 1671
??Insurance: $
??Car expenses: $ 200
??Utilities: $ 300
??Phone, cable, internet: $ 25
??Food, entertainment: $ 400
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1000
??Other expenses: $ 0

High Interest Credit Card Woes

Purpose of loan:?
I'd like to pay-off my CapitalOne high interest credit card with a lower interest loan.??The reason my credit card charges a higher-than-average interest rate is because of my credit history, which includes a bankruptcy.? In addition to charging high interest, a monthly maintenence fee and/or an annual fee?is assessed, which further increases the amount I owe and will need to pay.? I have made payments on time, including additional payments in an?attempt to pay down my credit card balance.

I am a past Prosper Loan recipient, funded in April 2007.? All Prosper Lenders contributing to this loan were repaid; the loan is now paid in full (February 2010).?

My financial situation:
I work part to full-time as a substitute teacher, but don't make enough money to pay-off this credit card immediately.

My monthly budget:
Car Insurance: $75.00
Gas/Oil: $130.00
Phone: $70.00
Groceries: $200.00
Clothing, household expenses: $50.00
Credit card and other loan payments: $500.00
---------------------------------------
Total monthly expenses: $1025.00

Pay Off Installment Loan

Purpose of loan:
This loan will be used to?Pay off an installment loan that is at a terrible interest rate.
My financial situation:
I am a good candidate for this loan because?I am Assistant Branch Manager at a financial institution, an industry I have been working in for over 15 years.? I did file?bankruptcy years ago (2003)?but since then my credit has been re-established, and I have not had a single missed or late payment on any debt.??I am a proven Prosper borrower.? I?would like to get rid of an?installment loan.??I have been making large payments to reduce the debt, but the principal never seems to go down.? Thank you for your consideration.

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $?800 (small apartment)
??Insurance: $ 100
??Car expenses: $?400 (live only 1 mile from work, tank of gas lasts me forever)
??Utilities: $?20?(benefit of having a small apartment)
??Phone, cable, internet: $ 100
??Food, entertainment: $?500
??Clothing, household expenses $ 40? very minimal,?I wear corporate logowear at work.
??Credit cards and other loans: $ 400
??Other expenses: $ that covers it.

Consolidating auto and other debts

Purpose of loan:

????The purpose of my loan is very simple.?? I would like to consolidate my auto loan and my 2 credit cards into one single payment.?? My hope is to keep the average interest approximately the same while simplifying my repayment by making it one monthly payment instead of 3 separate ones.? My BMW is almost paid off, only $8500 left on the loan balance.? It would be nice to pay it off finally and get the Title, just for piece of mind.? And it is more manageable to have a single payment per month rather then 3 separate payments at separate times.

My financial situation:

??????I am the ideal candidate for a loan because I have a strong credit score. I have NEVER missed a payment on any of my passed credit cards or car loans in the 10 years since I have graduated from college. The reported score on my score sheet is between 720-739, and the Prosper score in a 7 ( on a scale of 1-10, 10 being the best).?? I have NEVER defaulted on a debt or missed a payment, and thus feel that the Prosper score should be higher.? And the "D" rating that they gave me is not even comprehensible, because the chances of default are 0% in my case.? I can not speak for others that apply, but I am the ideal candidate.? I am going to continue to pay my auto loan and my credit cards, the question is: am?I going to pay to the current debtors or to a Prosper lender?? That is up to you.
????To add to that, I have a very stable career working at GE Healthcare in Central New Jersey as a network engineer. I have been here for 4+ years now, and have even received a 10% raise in April 2009.Imagine that, when the stock market was tanking and people were loosing their jobs and homes, they gave me an unprecedented raise of 10 percent!? Within my company I fulfill a necessary role that cannot be eliminated; I manage and keep the network stable and running 24/7 for 5 large sited in NJ.

Thank you for your time.

Paying off my credit cards

I have a better income now, but I am paying too much for my credit card debts from the past with high interest. I must need to consolidate and close these credit cards for better financial stability

INVENTORY FOR TAX RETURN SEASON

Purpose of loan:
This loan will be used to?

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

Refinancing Credit Card

Purpose of loan:
This loan will be used to pay off a credit card that will incurr a?significantly increased?interest rate effective March 1.

My financial situation:
I am a good candidate for this loan because I have a secrue?job with a salaried income.? The prosper loan will be comparable to my current monthly payments with the advantage of being paid off in 3 years.

Paying off credit cards

Purpose of loan:
This loan will be used to? pay off all consumer debts through consolidation at a lower interest rate.

My financial situation:
I am a good candidate for this loan because? I have a very good credit score?and have proven to be financially responsible throughout my borrowing. I believe that I can improve my credit score if I can receive this loan to pay off my debt sooner. As you can see from my gross yearly income I am well qualified to pay back my loan without default. I am very pleased to discover an organization like this that allows responsible working people a way out of debt due to this terrible recessionary climate we are currently in. I would like to thank?you in advance for your kind consideration of my application for this loan. My wife has been very encouraging to me in supporting any efforts that I research to find in helping us to resolve our financial situation without hindering it. Again I cannot overemphasize how much I feel that you are a godsend in providing me with this tool to make my money work even harder for me. With this loan I can pay off all debts and possibly take that long overdue vacation?that a stress free life would afford. My ultimate goal in life is to become financially independent, Prosper.com can help my wife and I to reach our ultimate goal. I would be remiss not to mention that my wife owns her own two businesses that can add supplemental income to my efforts to pay back this loan even sooner. I hope that this description of my goals and efforts to qualify for this loan from a reliable lender would convince them of my desires.