Paying off part of my credit card

Purpose of loan:
This loan will be used to pay off my First Financial Bank USA credit card

My financial situation:
I am a good candidate for this loan because I have a steady job with a Software company in Connecticut. I got married in July of last year, and we pretty much put all of those expenses on my card. When the credit card laws were passed, the bank raised my interest rate to a whopping 24% for no reason whatsoever. Now I just want to pay it off as fast as I can. My credit rating is E, because when I moved to CT to start my job, I owned pretty much nothing and had to take out a bunch of loans and cards. But be assured that we are not at all living beyond our means, and I will be able to pay back this loan.

Monthly net income: $4100

Monthly expenses: $
??Housing: $1400
??Insurance: $181
??Car expenses: $413
??Utilities: $150
??Phone, cable, internet: $50
??Food, entertainment: $500
??Clothing, household expenses $100
??Credit cards and other loans: $2000 ($800 of which goes on the card in question)
Wife's community college: $300

starting a family

My husband and I would like to start a family together.? He first has to have a surgical?procedure to make this happen.

Growing Technology Business

Purpose of loan:
This loan will be used in part to buy some much needed hardware and software for my growing technology business.?

My financial situation:
I am a good candidate for this loan because I have held many high paying jobs and have always been financially responsible, I recently started dedicating fulltime to my technology company that I started last year. It has picked up really well in terms of sales this year and continues to grow. I am hiring new employees and will need the extra hardware and software for on going needs. I have never made a late payment in my life and I never will. My credit is very important to me and you can be rest assured that I will pay this loan off in about 18 months.

My monthly net income varies as I own the company 100%, I like to take out money from the company only when necessary. Just to give you an idea, my monthly expenses are between $1200 to $1500 and my company is making more that that at this point and growing.

Bid with confidence, You will get your money back with good returns. I can comfortably pay back the loan in 18 months.

PS: I could have gone for a bank loan, but I like prosper and I myself am a lender with about $7000 invested last year when I was not in Texas.

Needing farm equipment

Purpose of loan:
This loan will be used to aquire farm equipment for our new horse farm my wife and I have purchsed.

My financial situation:
I am a good candidate for this loan because we have never missed a payment or had a bad debt.

Monthly net income: $ 8,467.67

Monthly expenses: $
??Housing: $ 900
??Insurance: $ 150
??Car expenses: $ 750
??Utilities: $?150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 350
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 750
??Other expenses: $ ??

Used 5th Wheel

Purpose of loan:
My husband and I have been saving for several years to buy a used truck and 5th wheel to upgrade from tent camping.? We inherited the truck we need and because it was already set up to pull a fifth- wheel decided to buy the fifth-wheel trailer for camping. We've saved $12,000 so far and need an additional $7,000 to buy it before the summer gets here.? Our family goes on several camping trips through the summer and fall each year as our annual family reunion activities.? We are in our early 50's and tent camping isn't as fun as it once was.? We hope to complete our purchase and be setup before June this year.

My financial situation:
I am a good candidate for this loan because I have a full time job that is a second income for us, I pay my bills on time and we've saved over half of the money we need for this purchase.? I have been employed for over 30 years in the same line of work.? I am a technical support specialist on computer hardware and software for a school district.

Cash Flow for Increasing Expansion

The loan will be used to assist funding for basic operating and business expenses for a very robust, thriving, and stable business. One of my companies stronger revenue streams comes from selling large Fiber connections to high profile Electronic Trading firms. These firms have large budgets and don't mind paying a premium for these connections and routes. The margins on the majority of our sales average between 20-70% and the average sale is $7500.00. We have an extremely low overhead and most funds would be used for expansion and marketing. Our projections show an increase in our productivity and revenues spiking up 20-30%. I was recently pursued by a Technology company who was A Strategic Partner and Vendor of my former firm that I worked at. I finally decided to take them up on their attractive and lucrative offer. My position is V. P of Business Development and I have 20 years of experience in combined Financial and Technology verticals. I have also been offered equity in the firm. The long term plan is keep growing the business at this aggressive growth rate , keep gaining market share and high profile customers and eventually one of the larger carriers in our space will buy our business at 2-3 times current annual revenues.I am very strong candidate because I have solid credit, a track history of timely payments, low overhead, finical discipline, mature spending habits, and a focus on making the payments of this loan a monthly priority. I have Tax returns that show a average combined income of $120,000.00 + for 2008, and 2009. My targeted income that I have in my new position have me earning $35,000 to $70,000 more in 2010. I plan on not just to be borrower on Prosper but an investor as well in the next 6 months. Addtionally what is waiting my credit score down from the high 700's and low 800's is the amount open credit lines vs active credit. I'm in the process of correcting these errors. But as we know this takes some time.

Net Income- $8,500.00 Salary and Bonuses
Monthly Expenses-$1,850.00
Insurance Expenses$150.00
Phone / Cable-$100.00
Utilities-$80.00
Monthly Household Expenses-$500.00
Other Loans-$200.00
Dog Food /Treats-$100

Cash Flow for Business Expenses

Purpose of loan:
Loan will be used for current business expenses and reinvest any excess in Prosper. I have an opportunity to build my business quickly and need funds to support my efforts...hoping that I will find lenders willing to help me succeed.
My financial situation:
I have excellent credit and payment history.? I easily pay my bills and can assure you that repayment of this loan will not be an issue.I have relisted this loan at a higher yield - hopefully this will help with funding.Monthly Income $10,000; Monthly Expenses $8,500Thank you in advance for your support!

Harley Davidson

Purpose of loan:
This loan will be used to?
Buy a Harley Davidson VRSCDX
My financial situation:
I am a good candidate for this loan because?
I can hold a job 3 1/2 years strong. I own a home with my brother so I only pay half the bills, I own 5 acres property, I have about 20,000 invested into old and rare editon comic books,?I have 2 vehicles I have a few thousand? invested into valuable art, I have about 100 ounces of silver, Plus I sucessfully paid off my 3 credit cards about a week ago. My gross is 2700?a month and my bills only equal up to 900 a month so I have plenty of extra money to burn.Not to mention i get the 8000 dollar tax credit this year.

payoff credit cards

Purpose of loan:
(explain what you will be using this loan for) paying off high interest ?credit cards and boosting my credit score

My financial situation:
i will be?paying down high interest credit cards and boosting my credit score

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 300.00
??Car expenses: $ 250.00
??Utilities: $ 350.00
??Phone, cable, internet: $ 80.00Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 300.00
??Other expenses: $ 500.00

Launching consulting business

Purpose of loan: This loan is to help me launch a consulting business. Loan will pay for the equipments needed: computers and softwares, as well as a little aside for marketing expenses. I am an engineering professional and business will focus on CFD (computational fluid dynamics) and heat transfer analyses for larger firms. I will still work at the current place of employment full time. This business will focus on short term projects with specific negotiated deliverables.

My financial situation: I am currently employed for full time position at an engineering firm. This job will not make me quit my day job. My monthly income pre-tax is $5870. I am not married, and have no kids.

My monthly budget: Mortgage/rent: $ 1100
Insurance: $ 0
Car expenses: $ 0 - still don't own a car
Utilities: $ 100
Phone, cable, internet: $ 110
Food, entertainment: $ 280
Clothing, household expenses $ 100
Credit cards and other loan payments: $ 100
Other expenses: $ 300
---------------------------------------
Total monthly expenses: $ 2190

Wife twisted my arm, 4 lower rate

Purpose of loan:
Get my wife off my back and get a lower interest rate loan.

My financial situation:
I am doing this to improve my credit rating, I will pay on time, I will not damage my credit.? I am a good candidate for this loan because, my contract with my employer is for $66,560, my W-2 only shows 49,920, but not the $16,640/year in allowances.? Also my wife made $43,000 last year in her business.? Most of all, JOB SECURITY, JOB SECURITY and did I mention JOB Security.? My employer just landed another 5 year contract (we've already been there 10) with a US Air force Base.? My company does? lead and asbestos abatement for military bases (with offices located on 2 bases).? My position is Tech writer, regulatory compliance and safety giving me the best job security one could hope for. Proper payments will be taken directly from my checking account.
Oh by the way, my wife and I are home owners, in fact... the wife who will be making sure I make the payments on time, started with Prosper as a lender to make money and oh yes she wants the $100 for signing me up.? So please help... and honey you better bid on me too.

Consolidate, Simplify, and Enjoy!

Loan Purpose:
This loan is to pay off my 2 credit cards, a personal loan, and to have a bit extra for a personal film project.
Although my credit card companies have not done anything bad yet, I don't want to worry about it after everything I have been reading
and I would like to pay off in one lump sum. The repayment of this loan is aprox $325 range/month which is 20+% LESS than I am paying on the three monthly debts now
I am trying to simplify and enjoy life more-so paying one loan each month instead of three debts will be a nice change.
I have a great job-I have my own business but I also have full time work outside of that. My bread and butter job is working as a marketing manager and my business is in
independent media production. I have distributed films that are on Netflix and distributed in 3 territories worldwide.
I am a great candidate for this loan as I am responsible, I have excellent credit, I have a great job, I also work hard making films that many people appreciate,
and I give of my time to help others (if that matters to you! :)
Thank You!

consolidate payday loans

Purpose of loan:
This loan will be used to?

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

Eliminating Odious Credit Card Debt

Purpose of loan:
This loan will be used to help eliminate a credit card which through some not so friendly practices now has me at a ridiculous 34.99% interest rate on a 2400 balance. Specifically, my credit limit which had previously been 3500 was lowered to 2405. I go to school in NJ and though my mail is delivered to my home in DC, I have my mail sent to me to my apartment in NY each month. I never received any mail notification saying that my limit was going to be reduced so drastically and despite frequently checking all of my credit card information online at least twice a month, I only caught wind of the change tonight. I found out that due a small 36 gasoline purchase I made yesterday, I went over my limit by 12 dollars, thus invoking the default rate. My goal now is to completely terminate my relationship with HSBC, the issuer of this credit card, and quickly pay off this card.

My financial situation:
I am a good candidate for this loan because I have already had two Prosper loans and have had no problems paying them back. This will be my third loan from Prosper and this loan will be paid back religiously and aggressively. If you're wondering about the single late payment on Prosper, it was due to a delay in processing a deposit by my bank. Once the deposit cleared two days after the payment due date, the payment was made immediately. Sadly, this sullies my perfect payment record, but rest assured that such an incident will not happen again.

Monthly net income: $ N/A

I am currently a student going for a Master's degree which is why I do not have a monthly net income. However, I have in excess of $5000.00 in savings plus an additional $5000.00 in student loan proceeds and I receive 450.00 per month in assistance from my parents. I will be completing my degree this May after which point I intend on getting a job. My field is Transportation Engineering and from what I've seen along with feedback I received at my school's career fair, my job prospects are very promising. Furthermore, should anything out of the ordinary arise, I can pay back this loan immediately. Finally, some comparisons for anyone worried about investing in me. When I applied for my most recent Prosper loan, my credit card balances totalled to $23,601 with 80% utilization. They now total to $16,503 with 66% utilization. Furthermore, my credit score has remained in the same range. Unfortunately, Prosper's rating system has changed making what was once a B grade into a C grade.

Monthly expenses: $
??Housing: $ 700
??Insurance: $
??Car expenses: $ 100
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $

Need additional money for school

Purpose of loan:
This loan will be used to pay off my graduate school balance so I can receive my degree.

My financial situation:
I am a good candidate for this loan because I have the income to pay the loan.

Monthly net income: $ 2126.00

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 86.00
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 64.00
??Food, entertainment: $
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $?400.00
??Other expenses: $

paying off medical expense

Purpose of loan:
Payoff unexpected medical expense for one of my twin daughters

My financial situation:
I am a good candidate for this loan because I have the necessary income to pay this loan. I am going thru a separation/divorce process which caused me to have extra expenses in the end of last year (2009) but things are getting under control now.

Monthly net income: $ 5100

Monthly expenses: $
??Housing: $ 2800 (my rent and mortgage where my ex and my daughters live)
??Insurance: $ 267
??Car expenses: $ 451?
??Utilities: $ 45
??Phone, cable, internet: $ 90
??Food, entertainment: $ 250
??Clothing, household expenses $ 250
??Credit cards and other loans: $?900
??Other expenses: $

Refinance existing debt

Purpose of loan:
This loan would be to refinance an existing loan.?

My financial situation:
I am able to pay for my debts two times over.?This loan would help?me to hopefully get a lower interest rate (currently 10.9%) over a shorter term (currently 30 years).

Monthly net income: $ 90,000

Monthly expenses: $
??Housing: $ 1,815
??Insurance: $?600
??Car expenses: $ 750
??Utilities: $?400
??Phone, cable, internet: $ 200?
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 100

Expansion to bigger Salon Location

Purpose of loan:
This loan will be used to??
do?more targeted advertising in our salon location ,?I would do more Internet and print advertising in addition to the already successful website advertising we have going on right now.?A part of it also goes to make our down payment to?the?property?landlord.I will also use a part of it to buy additional salon furniture and fixtures to add to what i had from our previous smaller location. It will also cover accounting and legal fees financial projection are also available upon request.The business name is Nia Soule Kreations LLC. Our website is http://www.niasoulebraidskreations.com we have tons of reviews from satisfied clients over the years on google local, yahoo local and many other websites.
My financial situation:
I am a good candidate for this loan because?
I have?no debt because I believe in paying off what you owe and not buying stuff when you have no money to pay for it.I carry no balance on my? credit cards because?I pay immediately?I use the card because it shows more credit worthiness.I am one for expansion and growth and with this loan i can do more in terms of acquiring more?talented stylists?to meet the increasing demand of clients calling? for our unique service. The payment of this loan is not solely dependent on the hiring of extra stylist because i make enough money working solely to pay the loan.The hiring of extra stylist and expanding to a bigger location will allow me take in more clients and make more money seeing that the current location is too small to accommodate more clients.The current location currently takes (2)?two stylist chairs my future location is large enough to take (6) eight styling chairs.With this loan I will be able to secure a larger space and take all the appointments?I am turning down presently. I have been in this hair salon business since 2008 working from my basement at home and then growing?to the salon suite I am presently renting.This loan will??be an additional start up capital to my personal investment of $4000 to the salon expansion. I hope to get a good response from investors!Monthly net income: $ 2900
Monthly expenses: $ 1668
??Housing: $?350
??Insurance: $
??Car expenses: $?0??Utilities: $ 183????????????
??Phone, cable, Internet: $?40
??Food, entertainment: $ 75??
?Clothing, household expenses $ 0
??Credit cards and other loans: $0
??Other expenses: $ 60Salon expenses : $800??Child care : $160

WHY "HR"? GOOD CREDIT, PLEASE BID!

Purpose of loan:
This loan will be used to? Pay off a couple of closed credit card accounts at high interest?rates.

My financial situation:
I am a good candidate for this loan because? I have a stable job?while a good income. Also I have an excellent repayment history on all my debts. No late payments, collections or public records.? While creating this listing I saw that Prosper rates me as an "HR". I am baffled by this? but will press on in hopes that people take the time to check this out. Even though I may not get the ideal rate I had hoped for. ?I want this loan so I can get these closed accounts out of the revolving debt bin and hopefully help my credit score. When the revolving debt goes down, the score goes up and hopefully I can get some better offers on my other existing accounts that I will continue to pay down.? !

While my credit score is not perfect (709 according to my recent Experian score) , the drop is attributed to my high credit usage to credit limit ratio.? This was drastically impacted by Bank Of America and Amex whom I previously had close to 40k in available credit with. Both banks decided to close my inactive accounts which impacted my utilization ratio.?? The cards I wish to consolidate and pay off were voluntarily closed by me when I opted out of the new terms & conditions sent to me last fall.

I have learned a hard lesson about using credit wisely.? I thought at the time it made more sense to use a credit card to finance some large purchases(ex: RV and permanent?camp site!) because I had great fixed rates.? It was better than any personal loan a bank could give!? What I failed to anticipate was the changes to terms that all banks started scrambling to do with the new credit card act that was signed into law last year and took effect this month.? They all were out to get as much money before the law said they couldn't. While I have tried on my own to negotiate my rates with these card issuers, it has become an exercise in futility.?? Please feel free to ask any questions that may help you in deciding to fund my loan.??? Thank you in advance!!

Monthly net income: $ 3200 my salary only (husbands net approx 3400.00) both of us contribute about to 401k's (me about 230 monthly, husband approx 350$ month)
Monthly expenses: $
??Housing: $? 0 (Husband pays both the 1st mortgage $1254(includes taxes & ins)?&? 2nd Mortgage $741.
??Insurance: $90 Husband pays?
??Car expenses: $ 0 -? paid off early 11/09
??Utilities: $ gas , electric , water?- ?250.00
??Phone, cable, internet: $ 145
??Food, entertainment: $ 600
??Clothing, household expenses $
??Credit cards and other loans: $? 953 is my total min?monthly payments. Typically I pay 1500?across all accounts
??Other expenses: $ 150 (gas, T passes)

Please Help My Dreams Come True

Purpose of loan:
This loan will be used to make my dreams become a reality this summer by traveling to Italy for a three week vacation with my son.? I have always wanted to travel to Europe but have only managed to send my daughter.? Now, I am presented with an opportunity for my 7-year-old son and I to travel to Italy and stay for three weeks. This is a dream come true for me!

My financial situation:
I am a good candidate for this loan because I am in a stable job as Director of Nursing in a LTC facility.? I have had past financial problems where I was forced to file bankruptcy? (discharged in January 2005) after my now ex-husband scammed me.? We were together for less than two years and in that time, I lost everything I had including a house I was buying.? I moved back with family, went back to college and got a degree in Nursing.? Since then, I have been steadily working to improve my credit and financial situation.? I am buying a condo and have a vehicle loan.? I recently paid off a second vehicle loan of over $16,000.00.? The monthly payment on that was $324.00.? I am able to pay back this loan just with that money.? My Prosper rating says that I am high risk, but in truth, I am not.? I will not let a payment lapse.? I have not had any late payments in the last five years.? Please help - you won't be sorry!


Monthly net income: $ 4200.00

Monthly expenses: $ 3100.00
??Housing: $ 1050
??Insurance: $ 100.00
??Car expenses: $ 500.00
??Utilities: $ 125.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 540.00
??Other expenses: $

Debt Consolidation

Purpose of loan:
This loan will be used to consolidate some smaller credit card debt into one easy payment to pay every month, thereby leaving less to manage and making it easier to pay off at a lower interest rate.

My financial situation:
I am a good candidate for this loan as I do not have any late payments in the past 10 yrs.? I have a steady and reliable income from my full time position as an analyst for the past 11+ years. I value financial security and believe in living up to my obligations.

repairs to truck

Purpose of loan:
This loan will be used to handle some expenses that come from needed repairs on my truck.

My financial situation:
I am a good candidate for this loan because I making a point to take care of my bills and any other obligations on time.

Monthly net income: $ 3375

Monthly expenses: $
??Housing: $ 400.00
??Insurance: $ 244.00
??Car expenses: $ 400.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Dollars for growing Business

Purpose of loan:
A Dog Gone Good Place has been in business for 4.5 years.??Gross sales have increased 35% in the last 6 months, which has necessitated the need to find a larger location.?? We will be moving to a new facility in August 2010, that will not only allow us to continue to grow in numbers but customize the facility for our needs.? We are looking for a loan that will help us fund the build outs for our new facility, these include but are not limited to: Walls to separate our dog boarding center from our grooming room, fencing and pet turf for the dog yards, additional plumbing needs, and a front desk area for customers.? City Planning has already approved the businesses move and all permits have been applied for- all that is left is to add to the existing building move account.? Ownership has already put in $15,000 toward the move/permit process and we just need an additional $10,000 to complete the move.? Any help would be very much appreciated by all of our?Four legged friends.

My financial situation:
I am a great candidate for this loan because I have never not paid any debt. My debt ratio is high due to owning the business, but if you review my credit you will see that every debt gets paid every month.? I was a Prosper borrower 4 years ago to start this same business and paid every penny back.? My business has survived the tough economy and we have turned a profit.

Seeking a brighter future

I am seeking a loan to consolidate credit card debt. Unfortunately, we had "lived" on them awhile back during some?past financial difficulties?and although my wife and I discontinued the use of cards over?1 1/2 years?ago, we can't seem to?make dents in the balances due to the interest rates. I'd like to be able to pay them off and obtain a lower interest rate for the balance to simply see the?light again.

I feel as though I am a?good candidate for this loan because I?am an honest, hardworking,?trust-worthy man who simply takes pride in providing for his family.? I will have no?problem in making the monthly?payments.?I am looking to become debt free so that I, too, may help someone such as myself in the future.

Monthly net income: $ 7,500.00

Monthly expenses: $ 4,600.00 approx
??Housing: $ 1065.00
??Insurance: $ 225.00
??Car expenses: $ 1200.00
??Utilities: $ 250.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 1300.00
??Other expenses: $

Paying off my credit cards

Purpose of loan:
This loan will be used to pay off my credit cards so I can start working towards a house in the short-to-mid term.

My financial situation:
I am a good candidate for this loan because I am in the navy and due to be advanced in the fall, allowing more income to pay down on my debt.

Monthly net income: $ 3000

Monthly expenses: $ 2157
??Housing: $ 1056
??Insurance: $ 120
??Car expenses: $ 260?
??Utilities: $? 110
??Phone, cable, internet: $ 109
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ None?after this!
??Other expenses: $ 220 (charity)

Repairing leaky roof

Purpose of loan:
This loan will be used in addition to personal funds to?repair a recently discovered leak in my roof and resulting damage to my ceiling.?

My financial situation:
I am a good candidate for this loan because it is able to be paid?from my regular monthly income after all expenses.??

Monthly net income: $10250 (excludes annual January bonus which would avg. to another $4500/month)

Monthly expenses: $8800
??Housing: $4100?
??Insurance: $200
??Car expenses: $100
??Utilities: $500
??Phone, cable, internet: $300
??Food, entertainment: $1000
??Clothing, household expenses $300
??Credit cards and other loans: $2100
??Other expenses: $200

buying work truck

Purpose of loan:
This loan will be used for the purchase of a work truck. I just started working as a contractor for a foreclosure preservation company and have already had to buy ALOT of tools.

My financial situation:
I am a good candidate for this loan because i can easily pay it back, it's just my first loan EVER so the bank wont finance it.

Monthly net income: $2,000.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 90
??Car expenses: $ 0
??Utilities: $ 120
??Phone, cable, internet: $ 130
??Food, entertainment: $ 450
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 0

ICE CREAM PARLOR BUILD OUT

Purpose of loan:
Finance build out for an ice cream parlor.

My financial situation:
My credit history has 0 late payments on all past and present accounts.?
Monthly net income: $ 5000

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 225
??Car expenses: $ 357
??Utilities: $ 275
??Phone, cable, internet: $ 200
??Food, entertainment: $ 350
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 1200
??Other expenses: $

Opening New Business

Thanks for viewing my loan!

My partner and I are in the process of opening a new specialty beer and wine retail shop in historic downtown Kennewick, WA.Our community includes Richland, West Richland, Kennewick and Pasco with a total population of over 250,000.The Tri-Cities, as they are known, are located in central south Washington State, the heart of Washington Wine Country.? Historic downtown includes several wine bars, a brewery and several specialty shops.The Tri-Cities doesn't have any specialty wine & beer retailers.? In fact, you cannot? purchase fine imported beer for at home consumption anywhere in our community.

Purpose of loan

This loan will be used to purchase equipment (primarily refrigeration) and some inventory.

About Us

I am 35 years old and a working professional with three advanced degrees.? I will continue working with my current employer of five years, Washington State University.? My partner and manager owns the business next door and has been a successful business owner for over 10 years.We both have excellent credit (15 years established credit, $150K high credit, NO late payments), work ethic, managerial and entrepreneurial experience and are excited about this new opportunity.

IF YOU LOAN US YOUR MONEY, YOU WILL BE PAID BACK.

Interest Rate

We both have good credit and cannot justify paying anything over 12%.

Consolidate

Good credentials, steady income, never late. Paid off a Proper loan. Looking to consolidate on a smaller scale.

Paying off all of my credit cards

Purpose of loan:
This loan will be used to consolidate by debt that I accumulated while a full time college student. I am not a college graduate with a full time stable job. All of my credit cards have now been closed as I want to pay of my debt and be able to start over.

My financial situation:
I am a good candidate for this loan because I have a well paying, stable job. I have learned from my past mistakes and wish to move forward with my life...debt free!

Monthly net income: $ 1700

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 90
??Car expenses: $ 300
??Utilities: $ 0
??Phone, cable, internet: $ 55
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 0
??Other expenses: $

Real Estate

Purpose of loan:
This loan will be used to purchase real estate investment property in south central Kansas.?
Properties are purchased at a maximum of 70% of fair market value, most will be purchased between 50-60% of fair market value.?
My company just purchased a property yesterday for $27,000; it needs $9,000 in repairs and will be sold for around $65,000.?
I'm seeking this loan to enable me to buy and fix more than just one property at a time.

My financial situation:
I am a good candidate for this loan because my credit history is good and my business plan for buying, fixing, and selling real estate is based on sound, proven, principles.
My company has been in business for 2 years.

Property in Arusha

Purpose of loan:
This loan will be used as part of funds to purchase a high return rental property in the Town of Arusha in tanzania.
I will not depend on funds from this property to repay the loan.

My financial situation:
I am a good candidate for this loan because I can be trusted to pay my loan back without a problem.

Winning one for the consumer!!!!

Purpose of loan:
I am simply trying to pay off and consolidate my high interest rate credit cards, but more importantly I am motivated to fight back against banks and their abusive credit card practices. ?Even though new consumer protection regulations have recently become law, many of you have probably either received or know of someone who has received an inexplicable and completely unjustified credit card rate increase over the past year.? The banks try to hide the rate increase in fine print in an otherwise innocent letter, and then they act aloof and put you on hold for 30 minutes when you call seeking an explanation! ?Undeniably this is foul play, and utterly unethical business practice.? Prosper is an incredibly powerful system for fighting this abuse, and I want to participate in promoting this wonderful alternative.? Obviously I am starting as a borrower, but I hope to eventually become a lender and help others as soon as I can.???
My financial situation: I have been in the same steady Industry for over 9 years now. My payments are always on time. I do have 1 public record on my credit bureau? from about 9 years ago when my parents cosigned for me a student loan. They had to file bankruptcy due to bad business partner. Since my name was on the student loan it showed up on my bureau as well. I'm looking to pay this loan back with 18 months
Monthly net income: $6500
Monthly expenses: $4564?
Housing: $1849 (Mortgage)??
Insurance: $95
Car expenses: $500 ?
Utilities: $50
Phone, cable, internet: $70?
Food, entertainment: $300.00??
Clothing, household expenses $100?
Credit cards: $1100
Other expenses: 401k? $500 a month
Thanks for your time and consideration.? Please don't hesitate to ask any questions.

Furnishing Apartment

Purpose of loan:
This loan will be used to furnish apartment
My financial situation:
I am a good candidate for this loan because I'm active duty Army, so I have guaranteed?income. I have no bad marks on my credit history?

Monthly net income: $ 3000.00

Monthly expenses: $?1000
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $ Own
??Utilities: $ 75
??Phone, cable, internet: $ 80
??Food, entertainment: $ 142
??Clothing, household expenses $?N/A
??Credit cards and other loans: $ 103
??Other expenses: $ N/A

Payment of credit cards, and school

Purpose of loan:
This loan will be used to??
???????I will be using this loan in order to consolidate my credit cards, pay off a student loan, and continue my education.? After paying off the few credit cards that I have I will be able to use the extra money in order to pay for a Bachelor degree program, as I will have my Associate's degree in May.

My financial situation:
I am a good candidate for this loan because??
????I believe I am a good candidate because I have always worked very hard, and done well in past credit history.? I have only been unemployed for less than a month, due to relocation.? I have been in previous management positions, and am certain I will obtain another.?

Monthly net income: $ 2000

Monthly expenses: $
??Housing: $ 250
??Insurance: $ 50
??Car expenses: $ 500
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Selling House need loan for Repairs

Purpose of loan:
This loan will be used to pay a general contractor for repairs needed before I put my home up for sale.The contractor does not take credit cards and I am looking for a one payment a month option.The repairs that need to be completed are $2500 for an upgraded fuse panel, painting inside and out $4000, and plumbing$1500.I am being relocated and need to get the repairs completed as soon as possible.

My financial situation:
I am a good candidate for this loan because I have a steady job with the?Federal Government?and will not?have any problem in making this one time monthly payment.

Monthly net income: $ 11500

Monthly expenses: $
??Housing: $?3500
??Insurance: $ 400
??Car expenses: $ 400
??Utilities: $ 200
??Phone, cable, internet: $ 30
??Food, entertainment: $ 500
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 1500
??Other expenses: $ 200

Paying for Certification

Purpose of loan:
This loan will be used to pay tuition for my husband's Personal Trainer certification. He has selected an accredited program by the National Personal Training Institute. NPTI provides a 500 hour state Board of Education approved training as well as a CPR/First Aid certification. He'll be learning about nutrition, anatomy and physiology, running a business and getting practical experience in a gym.

My financial situation:
I am a good candidate for this loan because I am starting a new job March 1 paying $47.50/hr which will enable us to pay this loan. My husband and I (married 20 years) spent the last year paying off credit cards and reducing our expenses, because I was out of work from Feb-Oct 2009 after 15 years at Hewlett-Packard, and my husband was laid off in August after 10 years at a semiconductor company. My husband has a strong commitment to complete the personal trainer program and start a new career in fitness. He proved that he can follow through on a tough 4 year program when he earned a Black Belt from Ernie Reyes' West Coast Martial Arts. He plans on getting a job after the first half of the certification program, which will also help pay the loan.

Becoming Debt Free!

The credit cards are gone. I am working with a debt management company, and taking a course about finances.? My main goal is to become debt free.? This small loan will help "get over the hump".? Thank you for your consideration.
 

Purchase of a used tanning bed

Purpose of loan:
This loan will be used to? purchase a used tanning bed for one of our tanning locations.? I have found a great deal on a bed worth about $20,000 Ergoline 500 with less then 1400 hrs.? This will go into my store that nets over $225k yr.

My financial situation:
I am a good candidate for this loan because? I'm looking for this deal to build a good credit rating on prosper.com and I?actually have the money to pay for this deal, but I am looking to build credit and spread out the payments over the next year.

Paying for school

Purpose of loan:
This loan will be used to pay for further education. This is my junior year and I have 2 more to go.? My mother is a single parent of two sons with home loan and car loan is her name.? I want a loan so I don't extend her credit any further.? I still live at home so I don't have any other expenses, except for school.

My financial situation:
I am a good candidate for this loan because my credit is has been good so far.? I am a good student and a hard worker.? I don't miss days at work or school.

Monthly net income: $
1400
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 115.00
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Consolidating debt

Purpose of loan:
This loan will be used to consolidate debt

My financial situation:
I am a good candidate for this loan because I?have never been late on loans or credit cards.?I am trying to stay ahead because the banks interest rates are starting to increase to where my balances are not decreasing.

Monthly net income: $ 1800.00

Monthly expenses: $ 1590.00
??Housing: $ 500.00
??Insurance: $
??Car expenses: $ 365
??Utilities: $ 0
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300.00
??Other expenses: $ 100.00

2nd prosper loan, no delinquencies

Purpose of loan:
The purpose behind this loan is to take consolidate my 1st prosper loan and my 2 credit cards into one monthly payment as well as provide me with a new computer for school.

My financial situation:
I am a wise investment because, despite what my credit score says, i am very good at paying my bills. As you can see by my previous prosper loan. The reason my most recent payment was considered late was because I was short 5 dollars in my bank account and was getting paid that night, so my bank sent the payment back and I was charged...but i had never missed a payment before that it was just one of those once in a blue moon events.

I currently go to school for apparel design, so part of this loan will be used to purchase a new laptop that is capable of running the design programs necessary to complete my assignments. [my school is paid for by student loans]
On top of school i also work full time as a manager for a shoe store, as well as being the person in the house that is responsible for making sure all the bills for the house get paid, i do not have to pay all the bills but i make sure everyone gives me the money to pay them, im kinda like the landlord of the house and it can get very stressful.
as you can see from my previous prosper loan I'm very good when it comes to making payments, like i said the reason for my high risk rating is because of my credit card balances, i have no delinquencies and am very dependable when it comes repaying my debt especially when it is to real people.
By getting this prosper loan i will be able to pay off both my credit cards, my previous prosper loan and buy a computer for school, thus consolidating most of my bills into one monthly payment which will make it easier to keep on top of everything here at the house.
Thank you for taking the time to look at my loan, feel free to ask me any questions. I appreciate any help you can provide.

This is how the money will be used

prosper loan- 1500
credit card 1- 1650
credit card 2- 600
computer- 2000
programs- 500



Monthly net income: $ 2000

Monthly expenses: $ 1014.00
? Insurance: $ 172.00
? Car expenses: $ 235.00 (loan)
? Utilities: $ 200
? Phone, cable, internet: $ 25
? Credit cards and other loans: $ 75, $75, $132(prosper)
? Other expenses: $ 100