Eco yoga inventory for the holidays

Purpose of loan:
This loan will be used to buy new inventory for my company. Last year I achieved a phenomenal 564% growth in my second year of business.? I have had to turn down dozens of requests for these mats due to low stock availability.

My financial situation:
I am a good candidate for this loan because I do a brisk business and will be getting more national coverage this fall. I am in this month's Body+Soul magazine, will be in Fitness Magazine in October, and there's a good chance my kids mats will be featured in Prevention Magazine for the holidays. I have done an excellent job of managing this business frugally and without entering into deep debt. In addition to my yoga mat business, I work as a freelance copywriter specializing in search engine optimization and social media. But things have been slow on the freelance side, hence the need for the loan.
Monthly net income: $2000

Monthly expenses: $
??Housing: $ 550
??Insurance: $ 0
??Car expenses: $80
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ 100

pay off high interest credit card

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

My financial situation: is good, i have cash reserves of around $20,000 and 4 signed contracts that are worth more than $80,000
I am a good candidate for this loan because i am a good payer and even though i have cash available, i prefer to keep it for a rainy day and use a loan at the moment?

Monthly net income: at least $6,000

Monthly expenses: $
??Housing: $1400
??Insurance: $120
??Car expenses: $90
??Utilities: $200
??Phone, cable, internet: $80
??Food, entertainment: $500
??Clothing, household expenses: $100
??Credit cards and other loans: $150
??Other expenses: cigarettes $100

Replacing faulty Heat Pump

Purpose of loan:
This loan will be used to?
Due to an accident, the heat pump (which is the outside A/C compressor unit) was damaged this winter.? I received several bids from reputable companies and decided to just have the unit repaired with the company that originally installed it and has maintained it for the last 9 years.? The repair will replace the damaged outside coil, replace the filter dryer (which is required when the unit loses all its coolant), recharge the system and complete all necessary diagnostics.
My financial situation:
I am a good candidate for this loan because?
I have been working in my field for close to 18 years and the particular software I work on is in high demand.? The company I currently work for is financially sound as is the leader in credit/debit processing.? I just received my annual review and salary increase and both were very positive.? My co-applicant (spouse) is a certified teacher and under contract.? She has been teaching in the same district for over 3 years and has no concern about her employment status.
Monthly net income: $ 7742

Monthly expenses: $
??Housing: $ 1670
??Insurance: $ 337
??Car expenses: $ 882
??Utilities: $ 214
??Phone, cable, internet: $ 290
??Food, entertainment: $ 800
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 1700
??Other expenses: $

Paying off my credit card debt.

Purpose of loan:
This loan will be used to pay off credit card debt.? My credit score took a hit last year when several companies slashed my available credit while raising the interest rates, even though my payment history was flawless.?

My financial situation:
I am a good candidate for this loan because my credit report will show that I always pay my bills on time...Currently I'm able to manage my monthly debt without any problems, however I would like to pay off all the cards and establish one monthly payment.? My car will soon be paid, this will allow me to use the additional funds to help pay for any loan that may be granted.? I have no family besides my girlfriend, fortunately she has her own home and source of income.? My income is just that, it is use for my expenses.

Monthly net income: $ 2550

Monthly expenses: $
??Housing: $ 0-owned by girlfriend of 8 yrs
??Insurance: $ 150 ????
??Car expenses: $ 240--Two payments remaining
??Utilities: $ 0
??Phone, cable, internet: $ 90 (cell/internet)
??Food, entertainment: $ Minimal-being conservative lifestyle
??Clothing, household expenses $ Minimal-being conservative lifestyle
??Credit cards and other loans: $ 500
??Other expenses: $ Minimal-being conservative lifestyle

Consolidate to one payment

Purpose of loan:
This loan will be used to pay of my current loan, dental bill, personal loan?and to pay off current credit card balance.

My financial situation:
I am a good candidate for this loan because I have a great history with PROSPER since my first loan in 2006. Please review, Thanks.

Monthly net income: $ 3500

Monthly expenses: $ 1510
??Housing: $ 830
??Insurance: $ 80
??Car expenses: $ 0(no car payment)
??Utilities:??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $?100
??Other expenses: Gas $100

Debt consolidation

Purpose of loan:
This loan will be used to buy new furniture and debt consolidation.

My financial situation:
I am a good candidate for this loan because I have never missed any payment, I have full time job,married
and I am very good person and will make sure to pay your money on time.?My credit score is 734 and I have home mortgage.

Text Advertising Company

Purpose of loan:
My partner and I have?created a company called SMS AMP, LLC (Advertising via Mobile Phones) that provides businesses the ability to send special SMS alerts, coupons, promos, and more to customers all through text messaging. Offering mobile advertising at very affordable rates, companies large and small will benefit from using our service. The url is: http://www.smsamp.com. The site is days away from completion and I'm looking to get funding to launch this exciting new business.?

My financial situation:
I'm an Executive?(CFO) for an Inc 500 business and I made?around $140,000 last year (2009). I am well connected with many business owners and successful entrepreneurs. I've also partnered with a successful?CTO (Chief Technology Office)?that will run our technology division and continue to enhance our software.?

You may contact me anytime for more information regarding SMS A.M.P.?
Thanks

Paying off my credit cards

Purpose of loan:
This loan will be used to?

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

Monthly net income: $

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

Consolidating my debt

Purpose of loan:
The purpose of my loan is to consolidate some debt I have acquired and at the same time strengthen my overall credit. I have never been in default over a loan and I have always made my best effort to repay all my debts on time or before due dates.
My financial situation:
I am a good candidate for this loan because I have a good job and I always repay my loans on or before the expected due dates.

Monthly net income: $3000

Monthly expenses: $
??Housing: $ 666.00
??Insurance: $ 65.00
??Car expenses: $ 405.00
??Utilities: $?180
??Phone, cable, internet: $ 250.00
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 100

Trying to keep my head above water

Purpose of loan:
This loan will be used to? help me pay my self-employment taxes.? It was a rough 2009, and I ended up shorter on money to pay taxes than I anticipated.?I had to recently purchase a refurbished laptop to replace the one I normally use for work. I telecommute from home, so if I don't have a computer, I lose money for the time I am not able to access my client's system. I bought a refurbished laptop, as it is the most economical option for me at this time.? I have also been helping my boyfriend, and his 2 sons, while he was unemployed/under employed?- providing them with food, clothes and school supplies.? I even moved into his home, from another home I was living in, so I could help him with paying rent.? I have been self-employed for over 9 years now, and this is year I am having trouble with my taxes.?

My financial situation:I am a good candidate for this loan because? I am good about making my payments on time.? I just paid off a medical loan, with Capital One.??I have a stable job and I recently moved into a home, where I am paying less rent than my other residences.?

Monthly net income: $ 8,000

Monthly expenses: $
??Housing: $ 650
??Insurance: $ 30
??Car expenses: $ 0
??Utilities: $ 300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 500
??Clothing, household expenses $ 100????
??Credit cards and other loans: $ 1000
??Other expenses: $

Discovery Center Start-up, "C"??

Gaylord Discovery Center Start-up Investments
Gaylord Discovery Center is a new Children's Museum in Gaylord, Michigan. Our website is www.gaylorddiscoverycenter.com where more detailed information is posted including access to our Business Plan. The requested loan will pay for materials for Expos. Normally Expos (or displays; we are so focused on hands on exploration "display" is not accurate) are very costly and often overly elaborate. As a Machinist, Welder, Drafter, and Handy-Man, I am personally building the Expos exactly as intended for a fraction of the cost. We have visited many Children's Museums observing each different style, method, and overall focus. Taking note of what was done well and what could use improvement. Many of our concepts are unique, and while several are already in use, they are basic enough principles to be used again anyway.

Financial Resources:
We have specifically budgeted for this loan with a proper payment schedule, besides what is recorded as personal income. This loan will be in addition to our assets of $13,000 for Cash on Hand, $30,000 Budgeted to facility improvements and startup expenses, and $5,000 for contingency investment. This is my second Prosper loan, the first closed in good standing having served its function, and I am grateful to those who believed in me.

Implementation:
We are utilizing a portion of an empty "Big Box" store, and need to add Restrooms, Update Lighting, and add Egress. Community focus is a high priority for us, so we are receiving construction services at discounted rates, in addition to lower rates due to slow economy. Similarly the property owners are being very flexible with space rented and rental costs, due to quantity of available facilities and the duration this facility has been empty.

Conservative Success:
All of our calculations have used conservative estimates. Income is estimated on the low side, while expenses estimated on the high side. We researched our Local Market Base plus our Tourist Market Base, and came up with positive results. Then cross checking with three different existing businesses we verified our expectations and actually increased our estimates. One is a similar size Children's Museum in a larger area with more tourist traffic, and light local traffic. One was a smaller Children's Museum in a smaller area with less tourist traffic, but more local traffic. One is for Family Recreation in Gaylord that draws almost entirely tourists and is closed in the winter. With these bases of comparison we are confident we will not have any trouble drawing enough attendance to be successful. For more details see our Business Plan on the Contact Us page through our website.

land improvements for building

This loan is to improve 2.5 acres so a home can be built. Funds are for tree removal $9,000, a well $5,000 and septic system $9,000. I pay all bills on time and have the ability to pay for this loan.

I have to pay back a judgement

Purpose of loan: The prupose of this loan is to pay back a judgement that I was awarded but since the person paid me then went bankrupt the trustee is requiring me to pay back the judgement or I will be taken to court.
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?I have good credit and make payments on time. I start my new job on 04-12-2010 with schwans. So I will have my income and my husbands income to pay this.This is probably my last resort.

pay off credit card and credit line

Purpose of loan:
This loan will be used to? pay off my credit card and credit line at US Bank that has continually increased in interest each month and is now at 22.9%

My financial situation:
I am a good candidate for this loan because? I am currently making all my payments without any delinquencies.? with lowered interest, i will be able to pay off the loan so much quicker

Monthly net income: $ 2800.00

Monthly expenses: $?2290 + new loan payment
??Housing: $?815????
??Insurance: $ 90
??Car expenses: $?600? includes?loan, gas, mtc
??Utilities: $ 75
??Phone, cable, internet: $ 110
??Food, entertainment: $?500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ included in car expenses.? the ccd and cl would be paid off
??Other expenses: $

"office build out"

Purpose of loan is to pay down debt incurred from moving my practice to where it is now.? This will include lines of credit and individual equipment items I purchased to open my new office.? I'm a Certified Financial Planner and have been in the Investment field since 1996.

My financial situation:
I am a good candidate for this loan because?I have never been late and my credit score shows this.? I have a high income that allows me to pay down debt fast and will have the payments automatically taken out of my checking account.

Bathroom Renovation

Purpose of loan:
This loan will be used to?

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

CAPITAL FOR A PREOWNED CRICKET WIRE

Purpose of loan:
This loan will be used to? CAPITAL FOR OPENING A PREOWNED WIRELESS CRICKET STORE .. WITH ALL MERCHANDISE ALREADY ESTABLISHED.

My financial situation:
I am a good candidate for this loan because? BECAUSE ME AN MY PARTNER HAVE THE KNOWLEDGE DUE TO HAVING 20 YRS EXPRIENCE COMBINED .. IN THE TELL COM INDUSTRY

Monthly net income: $1500

Monthly expenses: $?525.00
??Housing: $?0
??Insurance: $?0
??Car expenses: $?315.00
??Utilities: $?0
??Phone, cable, internet: $?35.00
??Food, entertainment: $?150.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $?25.00
Other expenses: $ 0

Saving the Mustang. CC and Taxes

Purpose of loan:
This loan will be used for two purposes... First, I currently have $3200 in high interest credit card debt I am looking to consolidate.? As I'm sure you are aware, the cc companies are jacking rates to cover those who haven't been able to pay.? Secondly, I have an $1700 tax bill I am to secure an outside payment source for.? The requested funds will be used for the above purposes.? This is my 2nd loan using Prosper.? I paid my first loan down in full and early.

My financial situation:
I am a good candidate for this loan because my self employment status is solid, but seasonal.? I've been employed 5 years but due to the economy, have found cash to be tighter then usual at the end of my "off months" (now).? Things have taken back off this month, however my payments are typically delayed 60 days.? I've owned the pictured Mustang for many years as a 2nd collector vehicle (it's a 64.5 if you're interested), and would MUCH rather secure outside credit to get over "the hump"? then sell the vehicle.? Monthly income will easily double from stated over the next several months.? Care to give me a hand?

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 650
??Insurance: $ 150
??Car expenses: $ 285
??Utilities: $ 130
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $

Hedging My Prospeculation

There are two main risks to this listing, and to every Prosper listing:

(1) Borrower-Related Default Risk (Am I able to make the payments?)

The brokerage statement in the photo (zoom it) shows 72K of marketable securities (some held since the 1980?s), which generate over 2K/year in income.? The gold coins are 1oz Canadian Maple Leafs, worth $1,112 each.

What Prosper reports as ?122K revolving credit lines? is actually a 110K HELOC (at 2.49%, Prime minus 0.76%), 8K in credit cards (3.99% fixed forever) and about 4K of my Schwab Visa/Costco AmEx that I pay off every month, so I get 2%-3% back on purchases and never pay interest.

Zillow says my home (last appraised 4/09 for 380K) is worth 450K today.? I have a 196K 30-year-fixed mortgage at 4.75%, so with the HELOC that?s 74K-144K in equity.

You can view my complete (redacted) credit report at http://www.tinyurl/mothcredit which shows over 100K of unused credit lines and 81 months of flawless payment history.?

Other borrowers here are employed by a single company which could lay them off (maybe it recently has, which is why they want money).? They want money for a car they can?t pay cash for, an extravagant wedding/vacation they can?t afford, or are refinancing 10%+ credit cards?an accumulation of years of living beyond their means.

(2) Prosper Default Risk (Will Prosper.Com credit you with the payments I make?)

According to its own prospectus (pages F-22, F-25 and F-29), Prosper has ongoing negative operating cash flows and a 33M accumulated deficit, with up to 179M of contingent liabilities and only about 10M worth of assets on its balance sheet (as of 3/31/09).

Prosper depends on outside financing to fund its operations, and can take on additional indebtedness senior to the Notes or even secured by them.? In a bankruptcy, employees, lawyers, and senior secured creditors all rank ahead of unsecured creditors (that would be you).

If this happens you could cease to get your payments on all ?your? loans?even if the borrowers are current; the prospectus does not promise you recovery of the principal or interest on ?your? Notes.? The Notes are ?unsecured, and do not represent an ownership interest in the corresponding borrower loans.? (p.11)

Being a lender myself (since March 2007), I want to hedge against this risk.? If Prosper stops paying me on ?my? Notes, I can stop paying on this Hedge Loan, and ask them to offset the amount I owe with the amount I?m due.

The Prosper Default Risk applies identically to all listings on the platform, and does not make this listing any more risky than any other listing.

Looking to Lower Interest Rate

Purpose of loan:
I want $5,000 to payoff a credit card that has a much higher interest rate.? Looking for a loan for about 6 months, until my work bonus hits my bank account.

My financial situation:
Very good debt to income ratio. Credit score is low because of number of lines of credit. I have a lot of different? credit cards from retailers, 3 sources for student loans, a few mortgages on other property.? Im only 26 and have about 5 years of history, which might be why I don't have higher credit. I have some credit inquiries from shopping around for a mortgages for previous homes. I have about 100k+ tied up in other homes, and prefer not to leverage them. Have never had a late payment on any of them. I also paid off a 10k car loan a few months ago, which in hindsight I should have kept to have some free cash.

?I receive a work bonus in a few months, but making loan payments will not be an issue. See my previous prosper loan, it has always been paid on time.

Monthly net income: $ 5000??(bonus compensation is an additional approx. $5000/mo. but its a lump sum that comes in a few months.)

Monthly expenses: $
??Housing: $ 1075
??Insurance: $ 0
??Car expenses: 0, public transportation pass paid for by work
??Utilities: $ included in?housing expense
??Phone, cable, internet: $ 140 (70 -?cell phone, 70-cable/internet)
??Food, entertainment: $ 300
??Clothing, household expenses $ 200?
??Credit cards and other loans: $ 800
??Other expenses: $ 200

Good Bye Debt!

Hello,
This is my second prosper loan . First one was paid off perfectly.I have great credit. I own two properties. I have never been late on any credit card payments but that has not prevented credit card companies to raise my rates or close my accounts. This loan would help me payoff a high interest credit card. As the first one did.

New roog

Purpose of loan:
This loan will be used to?put on a new roof on my home. I have lived in the home?for 29 years and it is paid off.??

My financial situation:
I am a good candidate for this loan because? I have no outstanding debt. Car and home paid off. I will make the monthly payments on time.

Paying off credit cards

Purpose of loan:
I plan on consoladating my credit card debt and want to pay it off with a fixed lower rate loan.
Thanks for considering my request.

My financial situation:
I am a good candidate for this loan because I have a very good tract record of paying off my
debts.? My credit score reflects my history of on time payments.? I am a very low risk lendee.

Furthmore, I have a steady income as a physician and will be getting a 10% raise in July,and a
large raise (200-400%) in about 15 months.

Debt Consolidation

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

My financial situation:
I need the loan for debt consolidation. I? have a very good history or repaying my debts, as I have never failed to repay a debt. The proceeds from the loan will be used in connection with other funds that I will receive (not a loan) to pay my debt. Now that my daughter has graduated from college, I no longer have her college expenses to pay. Finally, I have been employed with State Government since 1992 in a professional capacity and I have a very stable job. In addition, I have a part-time consulting firm, which will be an asset.??This loan will enable me to reduce my monthly debt?payment by $500.00.??Also I funded for $7500.00, however after close review I realized that this amount would not allow me to accomplish my goal of lowering my monthly payment and may out all my debts with 36 months.??

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

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

Need to help my mom and pay ccs

Purpose of loan:
This loan will be used to mostly help my mom and also pay off some of my bills. My biggestest concern is helping my mom she has serious medical issues that cause her not to be able to work and now her husband has filed for a divorce and stopped paying the bills. He consulted with most of the lawyers in town so that she could not even get an appointment with a lawyer because of conflict of interest! We finally found one but we need $2000.00 to retain her. Normally I could have helped my mom or put it on a credit card but the credit companies cancelled all my cards that had a zero balance because I wasn't using them! The others cut my limits to right above the balance! Which is actually why my credit score is alot lower now! I had credit available and they took it- and raised all my rates- I guess they all panicked before the reform act went through! Ugh! I want to pay off a few of my cards after helping my mother obtain a lawyer and help her with a few other bills.

My financial situation:
I am a good candidate for this loan because I do pay my debts. I am a person of good moral character who knows between right and wrong and believes in doing right. Also, I have?been back at my job for almost 3 and a half years, but actually worked there for 6 years several years prior to that- and after that long they wanted me back. Which I believe speaks well about my character and work ethic. ?

Monthly net income: $
My husband and I bring home approx. $5800.00 per month

Monthly expenses: $?
Our monthly expenses equal roughly 50 % of our income alot more than bankers like-? but we still have 50%!

Paying Off my Credit Cards

Purpose of loan:
This loan will be used to consolidate my credit card debt into one payment.

My financial situation:
I am a good candidate for this loan because I have had a good payment history for the last five years and counting. I may have had some trouble previously but as I stated I have made payments on time for the last five years. Some of my current debt is related to my BA in Accounting. I have a steady job and I am committed to repaying any and all debts.

Thank you for considering me for this loan.

Home improvemet

Purpose of loan:
This loan will help me get some new furniture that is very needed and finish some energy saving upgrades.

My financial situation:
I think I'm a good candidate for this loan because i have a good job and I'm very dependable. I have had my job for over 3 years and get paid good.

Monthly net income: $ 2200+

Monthly expenses: $ 1900-2000
??Housing: $ 420 ????
??Insurance: $ 135
??Car expenses: $ 500
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $200
??Other expenses: $ 100

With your help-Debt free!!!!

Purpose of loan:
Purpose of this Loan will be to consolidate the?below into one payment amount.

Chase Credit Card $300.00
2009 Taxes of $1200.00
Pay back a Friend who helped me with the remainder of my credit card debt $1500.00
.?

My financial situation:
I am a good candidate for this loan as I have worked in my current job with the federal Government for the past 20 years as of this month.? I also have a part time job also in the same field as my full time work which I have been at for the past 15 years on the weekends.?

I have been a homeowner for the past 18 years and have never missed a payment or had a late payment on a home loan.? I once and for all want to get rid of the remaining debt as I listed above ($4000.00)?and have just a single loan payment here on Prosper.?

I have ample income?to make this payment.?

Thanks for reading and your consideration.? Please ask any questions.

I'm honest and laid out all my expenses below.?

Monthly net income: $4279

Monthly expenses: $2050.00?
??Housing: $1340?
??Insurance: $100
??Car expenses: $ 0 (Free and clear)
??Utilities: $?70
??Phone, cable, internet: $80
??Food, entertainment: $150?
??Clothing, household expenses $80?
??Credit cards and other loans: $30 (Chase)
??Other expenses: $200.00 (Property Taxes)?

Getting Married

Purpose of loan:
This loan will be used to help pay for my wedding. Relisting now with a better interest rate for you guys since I have now found out that although our parents arent paying for the wedding we will be getting huge cash gifts from each of our parents. So I really want this loan and am willing to give you guys a good interest rate to get it because odds are it will be getting paid off early with the help of the cash wedding gifts.

My financial situation:
I am a good candidate for this loan because I have more than enough money left over at the end of the month to make these loan payments.

Monthly net income: Fluctuates between $3,800 and $4,500 Monthly expenses: $1,936
? Housing: $846
? Insurance: $80
? Car expenses: $0 - Paid?Off
? Utilities: $140
? Phone, cable, internet: $120
? Food, entertainment: $300
? Clothing, household expenses $100
? Credit cards and other loans: $150
? Other expenses (Gasoline, Cell phone): $200

P.S. I know it shows that I have 3 delinquencies in the past 7 years. All 3 of those?were from a dispute with Capital One over a chargeback that they wouldn't grant me.?I then decided "like a fool" not to pay them for the amount I was disputing. I only hurt myself. But that is old and due to fall off of my credit report in?2 months (June 2010). That's why it's not lending much weight on my credit score. Speaking of scores my personal plus score with Experian is actually 785. My point of mentioning all this is just to point out that I value my credit and I learned a lesson by trying to play hardball with Capital One. I've always taken great pride in?making on time payments and I certainly haven't had a single problem since the Capital One incident. In short, you will not regret helping to fund this loan because I will not default on it. I only get wiser with age and I definitely know and cherish the value of?good credit.

Read my story

Purpose of loan:
This loan will be used to? Consolidate credit cards..I am done with banks and credit cards..My credit just got ruined this month by a credit card company because I was on automatic payments through my bank and?I did not realise that I was supposed to update it every year. I came back from a trip and found out that my sears card account with a balance of 4k?was not paid and is now closed without explanation and?now I have a delinquency on my credit report after never missing a payment in my entire?life..the credit card company has refused to remove the delinquency on my credit report saying that it's my fault even though it was a very honest mistake. So now I want to pay off all my credit cards and be done with credit cards for once and for all.?

I intend on?only?having one loan where the payments are withdrawn?directly from my bank account every month. After that travesty,?I am done with credit cards. Once I get funding here and?pay the credit cards?off, I will rip all of them to pieces. Plus my credit cards all have interest rates in the high 20's?which is even more motivation to get rid of them in favor of a loan with a lower fixed rate. I regret that I didn't find out about this site earlier.

My financial situation:
I am a good candidate for this loan because?I have never missed a payment in my life..My credit report attests to this fact..I also think it's better to do business with like minded people on main street instead of the big financial institutions because it's a win-win situation for the regular guy..That's why I am delighted to have found out about this site.

Monthly net income: $2500

Monthly expenses: $
??Housing: $?900
??Insurance: $?140 (2 cars)
??Car expenses: $ none
??Utilities: $ 100
??Phone, cable, internet: $?180
??Food, entertainment: $ 250
??Clothing, household expenses $ 200
??Credit cards and other loans: $?600
??Other expenses: $ 200

My wife and I both work so the monthly expenses are split two ways..

Debt Consolidate

Purpose of loan:
Pay outstanding credit cards off.

My financial situation:
All my finances are in order and I have very little debt .

Borrowing to Lend

This loan will be used to make loans 25$/loan to Prosper.com borrowers of B-D credit quality. The expected rate of return on my loans will be no less than 10 percent, when factoring in the historical expected loss provided Prosper.com.

I know I am not going to get rich off borrowing 1k and lending it out.? However, I am curious to see the potential of trying to take advantage of the spread between my borrowing and lending spread on this site.? Regardless of whether or not I am successful in my lending experiment, your investment in me is safe because I have the cash reserves to pay off your loan in full, even if I fail to recover a dime of the 1k I intend to lend out. I have been a Prosper lender with my own money for about the past 2 years.

My financial situation: I am a good candidate for this loan because I am well educated (Ivy league degree, and expected to enroll in graduate business school this fall) conservative and meticulous with my finances. I saved a lot of money since college graduation and have more than enough money to finance my current employment as well the expenses I will incur as a graduate student.

This lone will not stretch me financially at all.? I have liquid capital in?savings accounts to pay this loan back in full over and over.?Additionally, I plan on paying off my debt automatically so I will not pay you back late!

New Apartment Move-In April 2010

Purpose of loan:
This loan will be used to buy items needed for the new apartment.

My financial situation:
I am a good candidate for this loan because I pay on?time.

Monthly net income: $1200

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

Need my life back please

Purpose of loan:
I'm just in?way over my head in debt and?I need to be able get back on track with debt consolidation.?I have sold my car to try to help it didn't and?I'm doing whatever else?I can try to do. I am in debt from?college, credit cards, and loans, and from a mistake?I made?from a scammer which completely screwed me over.?I need this amount to be debt free and will only have to pay back this loan. I am currently in line to leave for?bootcamp for the marine corps around september?and?do not want to leave to come back to?so much debt.?I am also on the point of just calling quits and file bankruptcy because that scammer took just about everything and now?I am behind on paying my bills and cannot catch up. So this is basically my last chance and need help.?I?currently live rent free so I have no expenses and?I do not go out partying, blow money or whatever to put myself in this predicament. I am blessed to be able to make?it this far and this loan would?just be a bigger blessing.

Monthly net income: $ 1600
Monthly expenses: $
??Housing: $ 0
??Insurance: $?
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $?62
??Food, entertainment: $ 20
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 700
??Other expenses: $ 0

Paying off my credit cards / loans

Purpose of loan:
This loan will be used to pay off all of my outstanding credit accounts?and the rest will remain in my checking account as a back up for my on-line, automatic bill pays.

My financial situation:
I am a good candidate for this loan because I take pride in paying all of my bills on time.

paying off my credit cards

Purpose of loan:
This loan will be used to pay off my existing bills and strive towards financial freedom.

My financial situation:
I am a good candidate for this loan because I am a very responsible person with aspirations of being debt free one day. I have a good work ethic and I will make timely payments as long as I am given the chance. Thanks for looking m

Monthly net income: $5800

Monthly expenses: $
??Housing: $1200
??Insurance:500 $
??Car expenses: $700
??Utilities: $
??Phone, cable, internet: $100
??Food, entertainment: $450
??Clothing, household expenses $
??Credit cards and other loans: $500
??Other expenses: $200

Need new wheels and tires

Purpose of loan:
This loan will be used to? Pay for some needed car maintenance. One of the rims on my car got bent from hitting a pot hole and needs to be replaced, however the rims I have now are no longer in production. Also my tires are wearing down on the tread and need replacing. Thank you.

My financial situation:
I am a good candidate for this loan because?? I pay all my bills on time, and while I'm un-employed I don't need the money, because I live off my?investments.

Monthly net income: $? 2,000.00

Monthly expenses: $
??Housing: $ 680.00
??Insurance: $
??Car expenses: $
??Utilities: $ 85.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $? 80.00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Pay off credit card

Purpose of loan: This loan will be used to pay off my Visa card and get caught up on daycare costs.

My financial situation: I am a good candidate for this loan because I just looked at my credit report and have all good reports, except one.? I will be honest and there is one bad from Verizon for not paying a $100 bill that was in dispute.? They told me that they would not report to credit agencies?while they worked on the?investigation.? I paid the bill once dispute was not in my favor.? This dispute was for less than 30 or 60 days, not sure.? Keep in mind that I do have a few hundred dollars a month in credit card bills but the reason for this loan is to pay the one card off.

Monthly net income: $ 1850.00 and 1000.00 for wife

Monthly expenses:
Housing: $ 475.00??
Insurance: $ 60.00??
Car expenses: $ 323.29 + 175.99??
Utilities: $?200.00??
Phone, cable, internet: $?230.00??
Food, entertainment: $ 400.00??
Clothing, household expenses $ 50.00??
Credit cards and other loans: $ 325.00??
Other expenses: $

Buying Stock in a Bank

Purpose of loan:
This loan will be used to purchase 300 shares of stock in Bankers Community Trust Company (BTC).

My financial situation:
I am a good candidate for this loan because I always pay my bills on time and sometimes early.? I no longer have a mortgage on my house and I have no leans on any of my cars.In addition to my regular full time job (listed above) I also have a part time job.

Car and Home Repairs

Purpose of loan:
This loan will be used to...Car and Home Repairs

My financial situation:
I am a good candidate for this loan because? I have never missed a payment...ever!

Monthly net income: $ 665 plus my daughter has lived with me and contributes financially

Monthly expenses: $
??Housing: $ 50 taxes house is paid off
??Insurance: $ 59
??Car expenses: $0 car is paid off
??Utilities: $ 65
??Phone, cable, internet: $ 20
??Food, entertainment: $ 100
??Clothing, household expenses $ 20
??Credit cards and other loans: $ 50
??Other expenses: $ 0 sometimes little expenses come up which my daughter pays

consolidate bills

Purpose of loan:
This loan will be used to?pay off?credit cards(?visa, master card, store cards (Lowe's)?(~$6400). This will free up about $600 a month that I can use to remodel the inside of my home. I can increase the value of my home by $50000 which will make it very marketable. I do not have plans to sell my home but I would like to refinance to a 15yr loan at a lower rate later this year or?early next year. I have already put on new roof and remodeled the kitchen but all 3 bathrooms need complete remodels.

My financial situation:
I am a good candidate for this loan because? I have a very secure job as a Quality Engineer at Energizer.?I have been paying extra against the principle of my home loan and making extra payments on my credit card bills.?I have work very hard?to pay my bills on time and? make improvements to my home. ?I am cuurently enrolled in as Associates Degree program which I will finish up in 2010.? This will increase my salary base and net pay.

Monthly net income: $ 4797.00

Monthly expenses: $?4206
??Housing: $?1558
??Insurance: $?126
??Car expenses: $ 250
??Utilities: $ 225
??Phone, cable, internet: $ 350
??Food, entertainment: $ 400
??Clothing, household expenses $ 300
??Credit cards and other loans: $?797
??Other expenses: $ 200

A Good Grandpa Needs Help

This loan will be used to pay off an extremely high interest rate, interest only loan. I needed the money in a hurry to help one of my children who had gone through a custody battle and thankfully was successful. Unfortunately having acted hastily to help I took a loan from a hard money lender. The lender will only except my interest payments and will not except partial principal payments.??

I am a good candidate for this loan because I am a retired person with tax free guaranteed income of $8,000 a month.

Currently I am making on time monthly payments of $935.00 a month. After a friend told me about Prosper.com I thought it would be a great alternative where I would be able to lower my monthly payment and be able to payoff principal and interest.??

Monthly net income: $ 8,000.00??
Monthly expense:
Housing: mortgage, property taxes, homeowners insurance & HOA $1500/per month
Insurance: Health Insurance $600/ per month
Car Expenses: no car loans, auto insurance $250/ per month
Phone, Cable, Internet: $150/ per month
Food and Entertainment: $2500/ per month
Clothing, House Hold Expenses: 500/ per month
Credit Cards and Other Loans: none
Other Expenses: none