Prosper=Lower rates than Chase

Purpose of loan: The interest rates on all of my credit cards have risen too high the past year, despite my timely payment history. I'd rather owe the Prosper community money than Chase, HSBC and Capital One
?financial situation:
(explain why you are a good candidate for paying back this loan) I've been employed by the USPS for over 30 years.I'm guaranteed to never be laid-off by contract.?I work an average of?45 hours weekly.My credit score has gone down to 693 despite owing $12,000 less than 2 years ago. As I've payed down debt, the credit card companies have lowered my limit, while raising my interest rate by an average of 7% higher than it was.

Monthly net income: $ 4,000.00

Monthly expenses: $
??Housing: $ 640.00

??Insurance: $?70.00??Car expenses: $225.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 1300.00
??Other expenses: $ 100.00

Paying of my bills and car

Purpose of loan:
This loan will be used to?purchase an older model vehicle and pay off some old bills (i.e., credit card, etc).? This loan is being used to consolidate some old bills.?

My financial situation:
I am a good candidate for this loan because? I have worked for years to repair my credit credit score and now I am I am fincially responsible and mature enough to handle a small loan and making monthly on time.? I've been employment by the same employer for the past 2 1/2 years and I've lived in the same home for over 2/12 years.? I've reviewed my credit report?and it's 729 with Experian, which is what this website says it basing it on.

Monthly net income: $
$1451.50
Monthly expenses: $
??Housing: $?350.00?
??Insurance: $ 53.00
??Car expenses: $ 0
??Utilities: $ 73.00??
? Phone, cable, internet: $ 67.50
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 100.00??Currently, I don't need to spend money on clothing?and since I rent my only household expense is food.
??Credit cards and other loans: $ My current balance on my credit card is $800.00 but I make monthly payment of 200.00 to 300.00 monthly eneh though my regular?? scheduled payment are somewhere around $30-$40 per month.? I'm not sure if my credit report is reflecting that balance but I can provide any proof?neccessary
??Other expenses: $ none

Pay Off High Interest Credit Cards

Purpose of loan:
This loan will be used to pay off/pay down high interest credit cards.

My financial situation:
I am a good candidate for this loan because I am a credit worthy individual along with my wife, who contributes significantly to our household income. Unfortunately, due to the economy, my wife has not received bonuses or pay increases over the past two years. So then, we could not pay off the balance on the credit cards that we used for home repair prior to the promotion period end date. In turn, we received back interest tacked on to our balance as well as a new annual percentage rate of 29.99%. We have contacted the credit card company directly and they will not negotiate the interest rate. Therefore, our balance is not being paid down and most of the new minimum payment is going toward interest, we are hoping to pay down the high interest credit cards so that we can continue to maintain and build our credit scores.

Monthly net income: $ 6900

Monthly expenses: $
Housing: $ 2,071.42 (mtg. $1,881.42 + assoc. fee $190.00)
Insurance: $ 302.00
Car expenses: $ 754 ($248 + $506)
Utilities: $ 148.00
Phone, cable, internet: $ 133.00
Food, entertainment: $ 610.00
Clothing, household expenses $ 150.00
Credit cards and other loans: $ 1266.00
Other expenses: $40.00

BUYING AN ENGAGEMENT RING

Dear Sir or Madam,

Thank you so much for considering my loan request. I am very excited to embark on a new adventure into marriage, and thanks to my brother-in-law (who mentioned this site to me), I may possibly do so with less of an immediate blow to my wallet. It may help that you know a little about me first.

I am a United States Air Force combat veteran, serving honorably in the military for eight years. Upon fulfilling my military commitment, I entered law school, where I am now about to graduate (I know, insert greedy lawyer joke here). I have yet to secure employment in this economy, yet I have strong credentials from school, and will be graduating in the top third of my class. I also have excellent credit, and have never been refused any type of financing. As I have learned in the military and in my personal life, integrity is essential. Thus, I am a man of my word.

My girlfriend and I have dated throughout law school, and I know that this is the right decision. We are supported by all of our friends and family and this is my first step in this new path of life. She is an amazing woman and I truly love her with all of my heart.

I appreciate Prosper?s desire to foster community and help others in its peer to peer lending approach. I am anxious to be on the other side of the formula, where I can loan funds to ambitious young individuals who will be our future leaders in society. This domestic micro-finance concept is a great opportunity that is bound to stimulate economic growth.

If you lend me money, I promise I will pay back in a timely fashion. My service background, chosen profession, and my personal character demands nothing less (Plus my brother-in-law will break my kneecaps if I ever would default).

Thanks again for your consideration.

Imperial Russian Banknotes

This loan will be used to buy more?Imperial Russian paper money (banknotes)?and antique Russian Railroad bonds.? In order to get a better price on purchases I need to buy in larger quantities -?selling is not a problem.? I had a booth at the Westchester Stamp and Coin Show earlier this month and sold out?of my meager inventory.? I also had a booth at the Antique center in the 'Garage' on West 25th Street and also sold out.? I met several new collectors but don't have?enough old Russian currency for them. I have the contacts to buy more inventory but need to buy at the right price which will only come with a sizeable purchase.

I am a good candidate for this loan because I paid back a previous loan on Propser with each payment on time.? My credit score would be 100 points higher with a lower debt utilization rate, especially since all my credit card payments have been on time.

I WANT TO BE A PROSPER LENDER!

I WANT TO BE A PROSPER LENDER BUT I NEED HELP NOW! I AM NOT A DEADBEAT SO PLEASE FUND MY LOAN!!!

Purpose of loan:
I need to pay off my credit card and?fix my car. I'd rather pay Prosper Lenders than the Credit Card company. I just moved to Charlotte, NC from Columbia, SC.

I was laid off in January of 2010. From Jan 2010 - April 2010 even?while only receiving?$351 per week in unemployment benefits, I still paid my bills on time!?The lay off was totally unexpected and I had no emergency savings so I had use my Credit Card for living expenses during the 5 weeks that I had to wait for my first unemployment check (it was supposed to be 3 weeks?but their system had a glitch). Prior to that I kept the balance low.

From Jan-March I applied to over 100 positions (that I was qualified for) and only received a 1 call back which led to my current position. My vehicle?was damaged on my way to the interview (I was hit by a "flying" blown out tractor trailor tire). After my $500 deductible my insurance company only gave me $300 towards?what is a?$1000 repair job. I wanted to purchase a $250 deductible plan when I purchased the coverage but my insurer does not offer that.

My financial situation
I am a good candidate for this loan because I am single with no children and am earning $48,000 per year (my salary will increase to $50,000 in 6 months based on my performance). I am a permanent employee who will receive a 10% bonus every year as long as the company does well (they are experiencing RECORD profits and growth).?The job is going great and I love going to work everyday (can't say that about my last job)!

NONE OF MY?BILLS ARE DELIQUENT. The 1 $0 balance deliquency is a charge off from 2004. The inquiries were from me trying to go through my Credit Union to get a loan.

Monthly expenses: $
Student loan $64,000 = $410/month
Car loan $11,000 = $384.23/month
Credit card $1,100.00 = $30/month
Car Ins =$96.62
Total = $920.85

Monthly net income: $ 2785.10
Savings Account: $278.51 (10% pay myself first)
Monhtly?Income after Expenses/Savings: $1585.74

Financial Plans:
Fix Vehicle = Immediately
Pay off Credit Card = Immediately
Pay off Prosper Loan =?3 Months
Build Emergency Savings Fund =?6 Months
Pay of Auto Loan?= 12 months
Save Downpayment for a House = 2 years
Pay off Student Loans = 3 years

I'd pay the Prosper Loan off in?3 months. I might apply for a larger loan on Prosper in order to pay off my car once I've proven my credit worthiness with the smaller loan. Then I want become a lender here myself because I know what it's like to be honest, hard working, and still get turned down!?I want to put all shady Bill Collectors out of business!

Paying off my cards cards!!

Purpose of loan:
This loan will be used to pay off my credit cards before applying to grad school.

My financial situation:
I am a good candidate for this loan because ever since my first credit card, I have never skipped a payment, I have never been delinquent, or even late. I am adamant about paying off some of my debt (especially the credit cards with the high interest rates) before applying to graduate school. I have a steady income from various sources (eBaying, parents, and part-time private tutoring) of $2100 (net) a month.

Monthly net income: $2100.00

Monthly expenses: $
Rent: $700
??Car expenses: $50-70 per month for gas
??Phone, cable, internet: $ 60 for cell phone, $40 for cable/internet
??Food, entertainment: $100 for groceries/food
??Clothing, household expenses $100 for school expenses, coin laundry, pet supplies

Payoff Miscellanous credit and Debt

Purpose of loan:
We are looking to consolidate our credit card and miscellaneous debt we accrued while my wife was unemployed over the last 9 months. This will allow us to better control our monthly outflow.

My financial situation:
Our family is a good candidate for this loan because even with the loss of roughly 1000.00 in income after unemployment benefits, we were able to maintain our payments on debts we currently have. She is now employed in a solid position with the local university and we are able to better see what the future brings. We live modestly with our only major expense outside of our home being our cars. I understand our status shows us being in the HR category but it does not tell the while story. We are a solid risk; we take pride in paying our bills on time and staying within our budget. We just ran into bad luck and a sorry economy. With your help we can better control our monthly debt payment and increase our monthly cash flow giving us the ability to save again.

Monthly net income: $ 3800.00 ? Me $1500.00 - Spouse

Monthly expenses: $
Housing: $ 550.00
Insurance: $ 291.00
Car expenses: $ 901.00
Utilities: $ 275.00
Phone, cable, internet: $ 285.00
Food, entertainment: $ 1200.00
Clothing, household expenses $ 200.00
Gas:$ 320.00
Credit cards and other loans: $ 475.00
Other expenses: $306.00 ? Orthodontist and Past tax payments from 09 also included in the consolidation.
Income: 5800.00
Monthly Debt: 4803.00
Monthly Debt after Loan: 4338.00

PAYOFF CREDIT CARDS 401K LOAN

Purpose of loan:
This loan will be used to? To payoff current high interest credit cards, 401k loan

My financial situation:
I am a good candidate for this loan because??I have a steady job, been there 12 plus years. Pay all bills on time no lates, own my home for 7 years
I will use this loan to payoff 401k loan then retake a bigger loan to payoff high interest credit card

my current take home is $2980
Expense? house? $1100
Credit cards??? $450
Cell phone???? $60
Misc food entertainment $200
Gas?? $90

Need work done on my car

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: $

PAY OFF MY CREDIT CARDS3,502

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because just want to pay my house ins and car ins
some cards so i have less money to pay a month till i catch up. I do have a rental property wish i get and inc of 950.00 a mount my tenants have been they for 3 yeas
always pays on time . get ss check 878.00 mn? i am a widow and also a pension 654.00
and i still work l.
Monthly net income: $ 3,502.00

Monthly expenses: $
??Housing: $ 812.00 my rental 715.00
??Insurance: $ 100.00 for both
??Car expenses: $ 367.00
??Utilities: $?80.00
??Phone, cable, internet: $ 90.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 600.00
??Other expenses: $

Sell car with upside down payment

This loan will be used to help me get out of my car note. I unfortunately, was sold a lemon, and cannot return the car. I am selling to a dealership, but because of the depreciation value of the car, I have an upside down payment. I owe $28k for the note and was offer only $19k, so I have to pay the difference off to the bank on a lump sum. I have good credit and pay all my bills on time, have never been late on any payments and I am very responsible. I greatly appreciate your consideration on this loan!

Daughters Wedding

Purpose of loan:
This loan will be used to?

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

Old prosper loan&car pymt into 1

Purpose of loan:
This loan will be used to?To make all my payments into 1payment for my old prosper loan and car

My financial situation:i have worked for the same company for 5 years and a full time student as well
I am a good candidate for this loan because?I have had a prosper loan and my payment history tells u the kind of person I am

Monthly net income: $ 2000.00

Monthly expenses: $
??Housing: $740.00/prosper loan 261.33
??Insurance: 78.14$
??Car expenses: $300.00
??Utilities: $100
??Phone, cable, internet: $50
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Putting up gates in my house

Purpose of loan:
This loan will be used to?
Helping my daughter put up gates in her home.? This will be my gift to keep my grand kids safe from the neighbors pit bulls which attacked another neighbor.
My financial situation:
I am a good candidate for this loan because?
my bills are minimal and I don't have any dependents to take care of but myself.? I make a decent amount and am able to pay this loan down.

Credit Card Consolidation

Purpose of loan:
This loan will be used to get old debt off of my back and to see a light at the end of the tunnel.? I have been trying to consolidate debt via credit cards for a couple of years, but minimum payments across multiple cards makes it hard to always be disciplined and to actually plan as to how to "reach the end of the tunnel."? Also, when the payments are across multiple lenders (credit card companies), it is hard to create a set amount of money to save each month as an emergency fund, thereby increasing the chance of a future "emergency" credit card expense (like air conditioner repair I had last month).

My financial situation:
I am a good candidate for this loan because my wife and I have stable, well-paying jobs with a good employer (Duke University), our education debt is within 1 year of being paid off, and our only child is in kindergarten and out of expensive preschools.? The only other debt we have is $7,000 in student loans (be paid off in 1.5 years), less than $2,000 for a car loan, and our mortgage (reasonable at $1,446/ month).? I have recently taken on more responsibility at my current job and there is discussion of a 10% raise for me.? Both my wife and I run different children's mental health programs and have chosen to stay in this relatively non-lucrative work because we believe in the families we are helping.

Pay off Private Note

Purpose of loan:
This loan will be used to expand pay off a private note that was needed for minor home repairs.
My financial situation:
I am a good candidate for this loan because I have good credit history and will make my payments on time.

Paying off credit cards/debt

Purpose of loan:
This loan will be used to consolidate bills, pay credit cards/debt off.

My financial situation:
I am a good candidate for this loan because I have sufficient income and a stable job. I have great credit and perfect payment history. I am responsible, dependable, hard-working and honest. My family and I recently purchased our first home and it would be great to consolidate/pay off our credit cards/debt and build a nest egg again.? Feel free to ask me anything. Thanks so much for reading and for your consideration.


Monthly net income: $ 7500

Student Loan

Purpose of loan:


I have been accepted into Brooklyn Law School and need help with paying for upcoming finances.? [Tuition, books, etc. ] I was unemployed for all of 2008 and had to rely on my credit cards to help me with my finances.? Since being back to work, starting early last year, I have been able to fully pay off one out of three of my credit cards. I?m on the right path to paying off the remaining two balances as well as keeping up with my day to day living expenses. During my undergrad, I was able to pay for my tuition out of pocket, but because I was unemployed, most of my savings was depleted and I had to rely on my credit cards.? Since I will not be unable to make payments for law school upfront ? as I was able to with my undergrad - ?I will need to rely on a loan to help with payment and in return, make monthly payments back to prosper lenders.

My financial situation:

I currently earn $50k from my job as an executive assistant

In regards to my financial situation, I have a good size retirement portfolio that has brought me a return as high as 14%.

Monthly net income: $ 3100

Monthly expenses: $
??Housing: $ $1153 rent: It's a two bedroom...I sublet the second room for $650
??Insurance: $
??Car expenses: $
??Utilities: $?electricity $50, Gas $15 a month
??Phone, cable, internet: $ 140 cable/internet,?$40 cell phone
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $ $260 macy's, $190 citicards
??Other expenses: $

Consolidate a few small bills

Purpose of loan:
This loan will be used to? consolidate a few small bills
My financial situation:
I am a good candidate for this loan because? I work full time and pay all my bill on time.

Paying for family funeral cost

My grandfather recently passed away and I need to help my parents pay for the funeral costs. I know I do not have the best credit in the world, but I have a stable job where I know I can repay this money as I have with my previous Prosper loan. I have worked in my job for almost 5 years and still live at home, so I do not have too many expenses. My credit is a bit low because I have about 4 school loans open, but I do not need to begin repayment until I finish school which will be in about a year and a half. There is also a credit card which I needed to use for some funeral costs. I will be paying $50 a month for that card. Please, I need your help.Thank you.

Monthly net income: $ 1400
Monthly expenses: $ 850
Housing: $0
Insurance: $200
Car expenses: $300
Utilities: $100
Phone, cable, internet: $60
Food, entertainment: $40
Clothing, household expenses $0
Credit cards and other loans: $150
Other expenses: $0

Paying off my credit cards

Purpose of loan:
This loan will be used to pay off previous debts from various locations and put them into one bill. It will also give me peace of mind know that my income will not be adjusted based on other debts.? All of my credit cards and my other Prosper loan will be paid with this money.

My financial situation:
I am a good candidate for this loan because I have a steady income and my wife does also.?

Monthly net income: $ 2600

Monthly expenses: $ 1680
??Housing: $ 450
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 225
??Phone, cable, internet: $ 65
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 0

INVENTORY AND EXPANSION

Purpose of loan:
This loan will be used to build and finance my business I need to expand & purchase vehicles & promote



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: $

install laundry room

Purpose of loan:
This loan will be used to make a laundry area in new condo, with full size stackable washer/dryer

My financial situation:
I am a good candidate for this loan because I have a very stable job and work history.? Pay my bill with auto draft and pay excess monthly payment.? Have kept credit limits to a minimum since my divorce.

Monthly net income: $ 3,000

Monthly expenses: $
??Housing: $ 750
??Insurance: $ 140
??Car expenses: $ 140
??Utilities: $?100
??Phone, cable, internet: $ 200
??Food, entertainment: $ 380
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $

Purchase/Rehab/Sell Houses

Purpose of loan:
I pay cash for single family homes and duplexes in good neighborhoods in Rochester NY.? I buy foreclosures from banks for 10 - 50k. I typically invest another $20k
to fix them up and then resell for 60-80k.?I have a strong local team of managers and tradesmen who keep things running smoothly.? I am eligible for county grant money to renovate my properties because I am current with my property taxes. I borrowed 34k from my mother in 2007 to buy a nice house and I rent it for $875/month.? The house is currently worth about 80k.??I pay her $265/month, so she is thrilled to be earning 9% on her savings.??? My goal is?to be able to do 2 - 3 houses simultaneously.

My financial situation:
I am a good candidate for this loan because I have demonstrated an excellent record of making profitable real estate transactions and promptly repaying all loans.? I currently own 20 cash-flowing rental properties in Rochester generating returns of approx. 15% per year.? My wife and I purchased our home in the bay area in 1999 and we pulled out the equity in 2006 to purchase rentals.? My wife has a stable and good-paying job.? I do not have a job, but managing our real estate portfolio keeps me busy.? I am also a licensed life insurance agent and do financial planning for teachers in my spare time.? We live well within our means and travel frequently.

Expanding bulk REO purchasing

Purpose of loan: I am purchasing, rehabbing and selling to owner occupants entry level?housing in many markets.? Industry parlance is "bulk REO purchase."? Money for down payment, closing costs and back office infrastructure..(explain what you will be using this loan for)

My financial situation:?11 years buying and rehabbing property in multiple states.?
(explain why you are a good candidate for paying back this loan)

My monthly budget:
Mortgage/rent: $15000
Insurance: $250
Car expenses: $200
Utilities: $included in mortgage pmt
Phone, cable, internet: $100
Food, entertainment: $200
Clothing, household expenses $100
Credit cards and other loan payments: $1000
Other expenses: $200
---------------------------------------
Total monthly expenses: $3300

Please note: being a business owner, my high debt is due to a home equity line of credit used to rehab an apartment building, it is not part of my monthly expenses.

Steady Income - Pay off Cards

End This Credit Card Debt Once And For All!

I have already taken out a loan on Prosper before, and have paid it back successfully. Now, I'm asking to take out another loan so I can get out from under the thumb of the credit card companies.

My plans:
Simply put - I got out of the military, changed jobs, my income went down, and my expenses didn't. So I took on more debt via credit cards than I would have liked to. Combined with my tax return, I plan on using this money to simply pay off the cards and never use them again. I am already paying the cards down, I just want to pay them down faster (because less money will go toward interest).

My financial situation:
I have a stellar payment history and reliable income from GE in addition to my National Guard income. If the loan is not approved, I will simply pay the cards off over a longer period of time using my current income, however, I would much rather pay a lower interest rate to normal people like you instead of ridiculously high interest rates to the credit card companies.

Repayment:
Now that my income is back up, I can start to pay down these cards, but wanted to do so at a rate that is better than the credit card companies are willing to offer me. The loan will be repaid with my income from GE and the National Guard. I am already setting aside over $900 per month to pay the cards down, but the problem is that a good portion of that has been going to interest, making my time to repay much longer than it needs to.

Thanks for your consideration!! Please let me know if you have any questions.

Net Income (after taxes) - $5,867

Net Expenses:
Health Insurance - $197.65
Utilities ~ $415
Credit Cards - $950 (to be replaced by this loan payment)
Mortgage - $2,243.00
Car Insurance - $58.95
Car Loan - $258.95
Living Expenses ~ $1,600
Surplus ~ $200

Time to Bounce off of our walls-

Purpose of loan:
This loan is to obtain equipment to launch our family fun center.??? Great location and demographics in an area that has a ton of kids with nothing fun to do.? They are starting to turn to drugs, crime and video games instead of spending quality time with their family and friends.

My financial situation:
I am a good candidate for this loan because of the passion, excitement and need that I have to contribute to our community.
The business plan and demographics are solid.? We already have community support, we just need the additional capital to get the needed equipment.

Sweet Memories

Purpose of loan:
This loan will be used to? Help finance a new candy store in Frederick MD.? This store is a one of a kind candy store selling barrel candy in a high traffic historic area. We also have aggressive plans to sell gift baskets to a broad range of customers, birthday party gift bags and wedding favors.

My financial situation:
I am a good candidate for this loan because?my business partner and I both have excellent credit histories demonstrating consistent repayments of debt.? In my current job, I'm easily able to repay this loan independent of how the business performs.

paying off bills

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: $

I'd rather pay you than a bank

I'd rather pay interest to honest, working people than to a bank. If that's not a good enough reason: I am a PhD candidate working part time. My classwork has subsided, so I have been able to take a part-time engineering job and doing freelance consulting on the side for the last 6 months, but I still have credit card debt from the last few years. Please help me out, make some cash, and save me some.

The only reason my credit rating is lower than stellar is because I have been applying for loans lately and they can't count the consulting work as income. My payment history is absolutely spotless. The high number of accounts is due to student loans (many small one over the last few years).

Sorry, the rate is low because if it's higher, it's better for me to stay with the credit cards.

Thanks and Regards.

Debt Consolidation

Purpose of loan:
This loan will be used to consolidate my credit card debt and?an installment loan?into one monthly payment. It is much more convenient to pay one monthly payment for all?consumer debt?combined rather than paying?individual accounts?at different times of the month.?By paying my high interest revolving balances from my credit cards, my credit score will also make a substantial jump, pushing the score into the 700's.

My financial situation:
In my first 3.5 years of working in the commercial real estate industry, I have successfully earned over $220,000 on a straight-commission basis. You can check out my website at www.hoytproperties.com to see information on the properties I represent, and the testimonials left by our clients. I have?been working on building up my credit, due to the debts I unfortunately accumulated over my 5-year college career. I have been able to pay off substantial debt since I graduated in Aug. ?06, and I will continue building my credit by eliminating these revolving debts. I have eliminated the car expense from my monthly debts, by paying it off in full early last year. This loan request is by no means a cry for help, but I believe it is a convenient option to accomplish my goals of payment consolidation.

Monthly net income: $5,500

Monthly expenses: $ 3,480
Housing: $ 1000.00??
Car/Health Insurance: $?400??
Gas expense: $ 300??
Utilities: $?60??
Phone, cable, internet: $ 120??
Food, entertainment: $ 400??
Clothing, household expenses $?100??
Credit cards and other loans: $?800??
Other expenses: $ 200

Debt Consolidation

Purpose of loan:
This loan will be used to...? pay off a high interest credit card & get a room ready for my newborn.

My financial situation:
I am a good candidate for this loan because?I have had no lates, collections, or other negative marks on my credit. I have no outstanding collections and everything on my credit report is current.

Monthly net income: $ 4300

Monthly expenses: $ 2100
? Housing: $800
? Insurance: $100
? Car expenses: $200
? Utilities: $100
? Phone, cable, internet: $100
? Food, entertainment: $300
? Clothing, household expenses $200
? Credit cards and other loans: $300
? Other expenses: $?

Personal LOAN

Purpose of loan:
This loan will be used to?.To help?get?myself and family members down to Texas?and to cover some bills because for almost seven years when my dad past away I've been trying to locate my Big brother who had retired from the military and found out that he was hiding his illiness from the family I was told by his wife that he?was?doing ok but she finally broke?down and stated that he's real bad, and?although she's been taking him to his radiation and chemo appointments it really doesn't look good at this point but with the funds it could help my cause.I don't care what the interest rate is I would pay every penny back I did it before and I WILL DEFINETLY DO IT AGAIN.?I miss my Big brother and I would like to gather all my family members?together for this dire need trip?to surround him?with open arms and?plenty of love and have my kids see their uncle I wish that this loan could be provided to me with god love and speed and I definetely would not let anyone down I have already paid off a loan very gracefully and would do the same for this one?I just need the little help. I?am capable of?doing this repayment also?I'm an? 20 year security specialist and veteran from the military as well?I strongly?believe in faith and is also?a loving father?I'm not motivated?to renege on a loan because I believe your credit?is your security life line. This loan would be a big help.I'm an honest man who is so dedicated and eager ?to repay back this loan from my verified account and is willing and able to prove it?once again to?everyone who?bidded on my loan request before so?please come back i'm also committed to becoming an lender in the near future to give someone like me and others the opportunity to get started with thier quest for a loan,?thank you all who will and God Bless.I can use the help of a few good bidders thanks guys and wish my family good luck.

My financial situation:
I am a good candidate for this loan because? I have the necessary funds to repay back this loan and is a very good bye nature guy?and family man Monthly net income:$7,000

Monthly expenses: $?2,830
??Housing: $ 1300
??Insurance: $ 120.00
??Car expenses: $ 0
??Utilities: $ 300.00
??Phone, cable, internet: $ 260.00
??Food, entertainment: $ 350.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 200.00
??Other expenses: $ 86.00 Prosper

Help reduce debt

Please help my daughter and I to become debt free in 36 months! For 18 months I was under employed, earning ? of my former salary, yet managed to maintain payments on my home, student loan and credit cards. During the same period, like many others I lost a substantial amount of my savings. Since August I've had a great full time job and have been paying working on becoming financially stable and begin to pay down the debt I accumulated during the down turn. My credit rating is good, low only because of my current debt ratio.

This loan will pay off 3 personal loans with revolving credit rates of 14-18%. I currently pay $885 a month in minimum payments. Funding this loan will allow me to pay the accounts off, close them and put the $500 difference towards a credit card. My goal is to become debt free in 36 months, please help me reach my goal Thank you for your help!

2nd Baby 2nd Loan

Purpose of this loan:
I am trying to be smarter about my finances. I would like to pay off most of my credit cards and my first prosper loan. One payment would be very beneficial in helping me conquer my debt.
I have never been late on my current loan, which is paid off in?one more payment.
We are having our second child in July. I got the first loan when we were having our first child. The loan was so helpful in getting things in order, I would like to do the same this time.
My financial situation:
I am a good candidate for this loan because I am a very hard working hairstylist. I have been in the business for 15 years. I am self-employed so after all my deductions are taken out it will explain my higher dtir%.
We are responsible people who like everyone else is trying to find the?best?way to deal with life's bills.
My bankruptcy has been discharged since 2004. I have been rebuilding my credit since.

Thank you for your time and hopefully once again your trust.

Monthly net income: $ 5600

Monthly expenses: $ 4953
??House payment: $ 1312
??Insurance: $ 146
??Car expenses: $ 1127
??Utilities: $ 450
??Prosper loan: $ 218
??Child care?$400
? Aflac: $ 100
??Credit cards and other loans: $ 600
??Other expenses: $ 600
I will replace the current prosper payment with the new one and still have $1047 open each month after paying off some credit cards.

Paying off rate hiked credit cards

Purpose of loan:
Paying off credit card that has been hiked before recent law changes.?

My financial situation:
I have never missed a payment but I put my partner through law school and we have racked up debt which I am desperately trying to pay down quickly.

Monthly net income: $ 4900

Paying off Credit Cards

Purpose of loan:
This loan will be used to Pay off two credit Cards and set the debt to a three year term, the credit cards are getting cancelled with the payoff from this loan so the debt will not reoccur.
Card 1 has a balance of $3800 with a interest rate of 29.99 percent payment of $117.00
Card 2 has a balance of $3900 with a interest rate of 27.24 percent $115.00

My financial situation:
I am a good candidate for this loan because?I have never miss a payment on these cards now and with this loan my monthly expenses only go up about $80 but I am in a three year term.

Monthly net income: $2300.00

Education for growth

Purpose of loan:
This loan will be used to further Education and enhance growth. One is never to old to enhance knowledge.My financial situation:
I am a good candidate for this loan because if you look at my credit profile, I have a HIGH fico score---Which is strong evidence supporting my dependability to pay ALL bills on time!I currently work in Pharmaceuticals.? I have over 30 years of experience in the work force.?
Monthly income:$6,500.00
Monthly Expenses:
Land Line Phone$31.00?
?Cell Phone$85.00
?Electric$150.00
Groceries??$300.00
Car Insurance?$65.00
Water?$25.00?
Gas for car$350.00
Cable?$125.00
Leisure$200.00
Housing?$250.00

Starting out in a new city!

NOTE: I had to withdraw my last listing (which was 100% funded) because I needed to change my Prosper bank account which cannot be done when a listing is open.? For those who bid last time, please accept my apologies for the inconvenience!

Purpose of loan:
I am applying for my second Prosper loan (I just paid one in full last month, without ever defaulting).? I am a hairstylist and I have just moved to a new city (Portland, OR).? As a result, I have to start over building my clientele from scratch.? I left behind a sizable clientele in Florida and am confident that I will build fairly quickly.? I am applying for this loan to get me through these first couple of months as I build.

Monthly net income: $1400-$1600/month.? I currently make about $350-$450 per week including tips; income is variable because I am payed on commission and through tipping.

Monthly expenses:
? Housing: $405 (includes some utilities)
? Utilities: $60 (split with partner = $30)
? Phone, cable, internet: phone $80 (split with partner =$40) ? cable/internet $60 (split with partner =$30)
? Student loan payment: $60
? Credit card payments (total): about $300
? Groceries: $120 (split with partner = $60)

As I said before, I kept up with my previous Prosper payments for all three years and have recently paid it off.? I am confident in my ability to make the monthly payments for this loan.

Thanks to everyone for your consideration!

Injection of cash to open business

Purpose of loan
The loan will enable my start-up business to open in the thriving resale industry.? The funds will be used to secure my lease (2 month deposit required), modify the commercial space, purchase a storefront sign, along with long term assets in the form of store fixtures, such as numerous heavy duty double bar clothing racks, display stands, hangers, a service counter, shopping carts, and a cash register. My business is a thrift store that focus solely on gently used clothing and accessories. The business will open in June 2010 in my hometown of Chicago, where the market is underserved. My supplier provides me with quality merchandise at a profitable price on a weekly basis. I have been accumulating merchandise for the past two years and currently have an inventory of over 25,000 articles of quality clothing & accessories, along with other business assets. I can provide various documents that validate and show the potential of the business. Documents such as my detailed business plan and cash flow projections, EIN, articles of incorporation, receipts of various expenses, recent pictures of the merchandise and of the storage spaces where it is held, income verification letters, various credible links regarding the status of the industry, along with any other documents requested.

Financial situation
Financially as a family we are able to fulfill our responsibilities. My annual income hovers around 30K along with my husband?s lifetime annuity of $2,300 per month. Our sons who live with us and are adults also help around the house. I believe I am an ideal candidate for this loan because I am a person of integrity, I have an established credit history, me and my husband have a limited amount of debt, and supplemental income from his pensions and social security. In addition we are an eco friendly business that is family owned and operated and we expect to prosper by supplying lower income individuals with quality used goods. Me and my family have devoted a great deal of effort and resources into this venture, and are fully committed to the business in all aspects.???

Monthly net income
$1,900 My wages
$2,150 My husband?s annuity
$600 Son?s contributions

Combined monthly expenses
Housing
$850
insurance
$125
Car expenses
$200
Utilities
$200???
Phones cable internet
$125
Food and entertainment
$450
Clothing and household expenses
$200
Credit cards and other loans
$950
Other expenses
$275

Space to work

Purpose of loan:
This loan will be used to purchase a?property for a new small business.

My financial situation:
I am a good candidate for this loan because I have the money available in my account, but don't want to take my account below what I consider my cushion.? So the lender will definitely be able to get paid on time each month.