settlements completion

Purpose of loan:
loan will be used to ....complete settlement offers for?my credit cards
I feel as a?candidate for this loan because? there will only be?payment?transactions?to complete?settlements
and only stay with the monthly payments with prosper.

Monthly net income:
job$ 2800.00
Tennant:$ 1020.00


Monthly expenses: $
??Housing:? Rental pay 800.00
? insurance: $ (car only) under my name but paid by my son.
??Car expenses: $ ( my son's expense)
??Utilities: $ 150-250montly gas & con edison
??Phone: 25.00 yearly ?and cell: 100.00
??Food, entertainment: $200.00
??Clothing, household expenses $ 280.00 monthly
??Credit cards and other loans: $?510??
? Other expenses: $ 200.00
? travelling for my job : 177.00 monthtly LIRR metrocard

House loan with wellsfargo shouldn't be used as a reference. Property was bought with 2 more parties and
was a fraudulent transaction. Have been dealing in court with this bank for?more than a year. The court suspended
charges during 2009-2010 and now they want to collect yearly total, but that is a different issue. Because of them I had to stop
paying my credit cards.

Debt Consolidation/2nd Loan LowRisk

Purpose of loan:
This loan will be used to pay off several bills that inturn would save me money monthly:
1)This new Prosper loan would be used to pay off my current Prosper loan with a balance of $2068.04 and a monthly payment of $271.68.
2)To pay?a credit card balance I currently have with Bank Of America with a balance of $1500?with a?monthly payment?of $120.
3)To pay off my current auto loan, I currently owe $3900 remaining with a payment of $489.12 per month.
I pay currently?$880.80 in monthly payments for the bills mentioned above. After paying off the bills with this new Prosper loan,?my monthly payment would then be around $301.00 for the new Prosper loan?so a difference of about $579.00 a month in payments that I would save.

My financial situation:
I am a good candidate for this loan because as my credit reflects I have had no delinquencies, inquiries, or anything negative?on my credit report. I work hard at keeping good credit. I pay on time every month with regards to my financial responsibilities.You can also look at my current Prosper loan, I have never missed?a payment.?I?have my current Prosper monthly payments automatically debited from my checking account, which I will do with this new Prosper loan if funded. My current prosper loan payment of $271.68 is slightly lower than the estimated new payment of $301.00 that this new loan would be, so my past payment history will show I have had no trouble in making my current loan payments, so I will have absolutely no problem in paying back the new loan, yet saving me about $579.00 per month. I?also am very fortunante to have a stable job and stable income.

Monthly net income: $ 3600

Monthly expenses:?$2463.92
??Housing: $ 563.12
??Insurance: $ 150.00
??Car expenses: $ 489.12
??Electric: $120.00
??Phone, cable, internet: $100.00
??Food, entertainment: $ 350.00
??Clothing, household expenses $200.00
??Credit card and?Prosper loan: $391.68
??Other expenses: $100.00

Dumping Bank of America

Purpose of loan: This loan will be used to make a big up-front payment on a debt with a current monthly payment of $861 - allowing me to improve my cash flow, so that I can make a larger payment on a smaller debt and pay it off sooner. From there I intend to repeat the pattern, paying off each debt in its course. I intend to be entirely debt free (other than my mortgage) in 6 years. "Dumping Bank of America" is my ultimate goal.

My financial situation: I have a secure job with a retirement community. I am also attempting to re-fi my mortgage, which would reduce that payment by about $250/month. I am not underwater.

I am a good candidate for this loan because despite my high debt-to-income ratio and high usage of credit lines, I have never been delinquent on a debt. I am highly "compliance oriented" and always find a way to pay what I owe. As you can see, my last Prosper loan was paid off completely and 100% on time.

Monthly net income: $ 4200

Monthly expenses: $ 4072??
Housing: $ 1130 (including taxes and insurance)
Insurance: $ Included in housing and/or car expenses
Car expenses: $ 82 (insurance) $150 (gas, etc.) $280 (car payment)
Utilities: $ 100 - electricity (low even in winter because I heat with wood that is already paid for)
30 - garbage pickup
Phone, cable, internet: $ 150
Food, entertainment: $ 350
Clothing, household expenses $ 250
Credit cards and other loans: $ 1,700

Short Term Loan Needed

Purpose of loan:
This loan will be used to fund a business endeavor.

My financial situation:
I am a good candidate for this loan because I have a significant amount of money (6 months salary) from a retention bonus being paid out in December, I just need short term cash flow to get something else underway before that money comes in.

Monthly net income: $ 4600

Monthly expenses: $ ~2700
??Housing: $ 750
??Insurance: $ 145
??Car expenses: $ 400
??Utilities: $ 200
??Phone, cable, internet: $ 300
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $ 100

Getting out of Debt!!

Purpose of loan:
This loan will be used to? pay off one of my higher rate credit cards.

My financial situation:
I am a good candidate for this loan because? I have never missed a payment on any loan of any kind. In fact I am kind of paranoid when it comes to making sure my bills are paid on time. Just ask my wife. I am hoping to not end up with the suggested interest rate. Hopefully it will be something pretty low, since I have never paid a high interest rate before other than what are on the credit cards, which I don't really have a choice with in most cases. I understand that is shows a much higher rate than what is on my credit card, but this is my first time using prosper as a borrower, and just went with what it suggested. My interest rate on the credit card is around 22.00%.

Monthly net income: $ $3,000 + since it is commission. I usually get no less than the $3,000 per month

Monthly expenses: $
??Housing: $1540
??Insurance: $
??Car expenses: $0
??Utilities: $100
??Phone, cable, internet: $40
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $350
??Other expenses: $

Paying off my student credit cards

Purpose of loan:
This loan will be used to pay off the last bit of credit card debt I have left over from college. ? ?

My financial situation:
I am pursuing a loan to pay of the remaining credit card debt that I've had since college and so I can start saving. I graduated from a very expensive college three years ago with $16,000 of credit card debt. By setting up automatic payroll payments and budgeting, I've brought the balance to just under $10,000, a portion of it at an awful APR.?I now work as a Financial Administrator at a university showing students how not to make some of the same mistakes I made. I've never missed a payment, never had a late payment and my credit score was great until recently, when it dropped simply because a card company closed an account after I paid off the full balance (as they have for a lot of people). I appreciate any help I can get in getting rid of this last stubborn piece of debt.? ?? ? ??? ?? ? ? ?

Monthly net income: $1985

Monthly expenses: $
?Housing: $0 (I own and have tenants, which covers the full mortgage) ? ?
?Insurance: $0 ? ?
?Car expenses: $0 (don't own a car) ? ?
?Utilities: $200 ? ?
?Phone, cable, internet: $150 ? ?
?Food, entertainment: $325 ? ?
?Clothing, household expenses $200 ? ?
?Credit cards and other loans: >$100 ? ?
?Other expenses: $0 ? ?

Paying off my credit cards

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

My financial situation:
I am a good candidate for this loan because my income allows me to make payments when due and my credit history shows how responsible I am with my finances.

Monthly net income: $14600

Monthly expenses: $12600
??Housing: $9500
??Insurance: $200
??Car expenses: $400
??Utilities: $900
??Phone, cable, internet: $300
??Food, entertainment: $500
??Clothing, household expenses $300
??Credit cards and other loans: $300
??Other expenses: $200

personal

Purpose of loan:
This loan will be used to?
personal use
My financial situation:
I am a good candidate for this loan because?I pay my bills on time.?

Monthly net income: $ 4200

Monthly expenses: $
??Housing: $ 1248
??Insurance: $ 107
??Car expenses: $ 596
??Utilities: $ 100
??Phone, cable, internet: $100
??Food, entertainment: $ 100
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 350
??Other expenses: $

Debt Consolidation 730 Credit Score

Purpose of loan:

This loan will be used to consolidate 2 high monthly payment loans I currently have.? One of the accounts is a vehicle loan which I'm currently paying $435 a month.? The other is a personal loan that has a payment of $419.? Right now I'm willing to pay the higher interest rate in order to lower my overall monthly payments.

My financial situation:

I'm a United States military reserve?service member with a full time job as a Network Administrator.? I'm?dedicated to maintaining and improving my financial situation.? I'm also a Prosper lender with over 15 active loans and notes currently funded.? I can provide statistics on my current and past lending at any time.?

As for the Amount delinquent: of $2,795 listed, this is a school loan balance I have directly with the college I graduated from in February of this year.? I was unaware of this balance since I was utilizing the GI Bill.? Since the GI Bill didn't cover my full tuition I missed 1 month payment.? I'm currently paying $50 a month on this loan.


Monthly net income: $ 4850 (Includes my wife's?Basic Allowance for Housing rate)

Monthly expenses: $ 2370

??Housing: $ 900?
??Insurance: $ 85
??Car expenses: $ 435
??Utilities: $ 100?
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $?500
??Other expenses: $ 100

Please feel free to ask any questions you may have.?Thank you.

Down payment for real estate

Purpose of loan:
I will be using this loan to put a down payment on a house that I'm purchasing to use as a rental property.

My financial situation:
I'm not sure why I'm considered high risk when it says my credit rating is between 760-779 with no delinquencies. But oh well. Please see through that. I already have a duplex and a small apartment complex that bring in around $3400 a month. My additional income comes from wedding photography and contract graphic design I do on the side. I am a full time college student in Northwest Arkansas studying to get my bachelors in business. And being a combat veteran of 9 years, my schooling is paid for, so the fact that I'm in school right now isn't hurting my income. Thankyou for checking out my post, and I look forward to being part of the prosper group. =)

Disabled Mom Needs Dentures Pls hlp

Purpose of loan:??

The purpose of this loan is to pay for my mom?s dental procedure.? She needs a full set of dentures.? She is disabled and living with me.? Unfortunately CA decided to take away her state dental benefits.? This is so unfortunate for so many aging adults here in CA.? I was surprised when I talked to people that a lot of older adults have been affected by this.? I do have a very secure job with Aramark and have just been promoted to National Account Manager.? With this new position I will be earning a year end bonus in Dec 2011 that will allow me to pay off this loan in full as well as my other debt.? In the interim, my salary is good so there will be no problem making the payment on this loan.? My goal for Dec 2011 is to be debt free and my financial plan will allow me to achieve that goal.? I do thank you for your time and consideration.???

Monthly net income: $3194
Year end bonus due to receive Dec 2011 $8500
Monthly expenses: $?1693
Funds left?each month after expenses paid: $1501
Housing: $?700
Insurance $96??
Utilities: $100??
Phone, cable, internet: $ 161??
Food, entertainment: $ 400??
Clothing, household expenses $ 100??
Credit cards and other loans: $ 136.00??

Need for mentorship program

Purpose of loan:
This loan will be used to pay the down payment for a Real Estate mentorship program.??I need this mentorship to advance in my business and to be able to make more transactions.? The program will last 6 months and my mentor will help me personally through all the transactions I can do during this time period.? Within the first transactions I should be able to make the money to pay back this loan.

My financial situation:
I am a good candidate for this loan because I am currently working as a Real Estate Agent.? Times are tough right now for this industry, but there is still business out there.? I'm also planning to get a seasonal part time job to suplement my income until I can speed up in my business.

Monthly net income: $ based on activity.? It could be $0 to $2,000

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 837
??Other expenses: $ 0

Never paid late-debt consolidation

Purpose of loan:
This loan will be used to do real estate repairs on a single family home that I own free and clear (NO MORTGAGE) to increase the equity well past the 100,000 it already has in it.
I currently use this property for a start up business, a photography and graphics?business, and second home
After the repairs on the roof and windows are done i plan on moving into the property??and still use it as an office also.And still keep my job as an engineer. I've been engineering for?10 years
I?will then?do a debt consolidation?refinance loan, and pay off all debts including my prosper loan (NO BRAINER HERE)

My financial situation:.
I am a good candidate for this loan because?
i have a pretty good income and a low debt to income, and have never been late on a payment.
Monthly net income: $
4500,00
Monthly expenses: $
??Housing: $ 650.00
??Insurance: $
??Car expenses: $ 0
??Utilities: $ 300
??Phone, cable, internet: $ 110
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $

Updating kitchen & bath

Purpose of loan:
This loan will be used to make my house more marketable for selling and pay off credit cards so that I can lower my cost of living.?
This my story, I am a mother of four,all are grown but one.I am recently divorced.I have my house up for sell so I can lower my cost of living but need to make some improvements to make it more marketable.

My financial situation:
I am a good candidate for this loan because I have a job and have not been late? a payment.I was released from my job of 4 years in March 2010,I got up everyday at 5:30 am and went Job hunting and worked temp agencies until I was hired by Oaklawn..I was Hired by Oaklawn June 1 2010.I did not have a long stay drawing unemployment I got busy and found I job.I will put the same effort into paying back this loan. Bike loan and card would be paid off with this loan.

Monthly net income: $ 1800.

Monthly expenses: $ 1483
??Housing: $ 681
??Insurance: $ included in house payment
??Car expenses: $ 160 in gas and insurance
??Utilities: $ 159
??Phone, cable, internet: $ payed for by employer
??Food, entertainment: $ 300
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 170
??Other expenses: $ 123 credit card and bike loan

Business Capital

Purpose of loan:
Working Capital for startup company.?

My financial situation:
I have a history of creating companies and being successful at repaying loans for business. ?

Monthly net income: $ 16,000

Monthly expenses: $
??Housing: $ 3500
??Insurance: $ 800
??Car expenses: $900
??Utilities: $ 500
??Phone, cable, internet: $100
??Food, entertainment: $ 600
??Clothing, household expenses $100
??Credit cards and other loans: $ 100
??Other expenses: $ 0

Consolidate and Eliminate

Purpose of loan:
We are consolidating and eliminating our revolving credit (which we will terminate with payment), a personal loan, and the remainder of an auto payment. This will allow us to reduce our monthly payments in addition to pay the total of the credit sooner allowing us to begin building our savings and beginning investments of our own.

My financial situation:
I work for an Agricultural company in the Pacific Northwest. It is a well established business with good security that has never suffered layoffs and enjoys the stability of the demand for agriculture despite economic tides.

Normal work weeks are actually 50 hours but for the purposes of this loan I only claim the 40 hours that are standard to most employers. As a result I do generate approximately $600 more income per month then claimed elsewhere on this form. Also, work is seasonal and I enjoy the benefit of working 60-80 hours a week for about 4 months of the year.

Also, I am a member of the Army Reserve (for over 10 years) which provides a small secondary income. They also provide me the ability to work additional hours should there be fluctuation in my civilian employment.

Monthly net income: $ 2250 (Does not include additional overtime hours listed above)
? Primary Income: $ 2000
? Secondary Income: $ 250 ??

Monthly expenses: $ 2120
??Housing: $ 400
? Auto Insurance: $ 100
? Medical Insurance: $ 200
? Car expenses: $ 150
??Utilities: $ 250
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 420?

Putting in new windows

Purpose of loan:
This loan will be used to?put new windows in my house

My financial situation:Double income no kids
I am a good candidate for this loan because?I will be able to make payments on time every time. This will really help us out until our wedding next November, at which time the loan will be paid off. I would much rather borrow from my peers rather than a bank. Thanks for the help!

Monthly net income: $ $3,000

Monthly expenses: $ $1,900
??Housing: $ 1,100
??Insurance: $ 90
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 500
??Other expenses: $ 0

Kitchen Upgrade

Purpose: Fund part of the renovation of our kitchen.

I'm a good candidate for this loan because I can afford this payment comfortably and I have excellent credit.

Buying car from my older brother.

Purpose of loan:
This loan will be used to purchase a?car from my older brother.? It is in pristine condition.? My brother travels around the country quite a bit for work so the vehicle was barely driven.? It only has 21K miles.? He is offering it to me for $20K.? That is $4k under Kelley Blue Book value.?

My financial situation:
I am a good candidate for this loan because I already have $10K?in one savings account to purchase the vehicle and I will have the other $2,500 hopefully, by the time this loan opportunity comes to fruitition.? I currently own my own business which has been prospering over the last year.? It is a sports nutrition franchise.??My store is located next to the 5th busiest gym in Texas as well as two of the busiests restaurants in the area.? Since opening 10 months ago I have yet to put another cent into the business beyond my initial investment.??From my experience that is almost unheard of... I'm not sure why this site has placed me in the "HR" category.? I pulled my reports just before I created this listing and my average score across the board was 736.? It shows I have a balance of some sort up there but, as far as I know I have a zero balance on my two credit cards.? Maybe its the fact this is my first experience with peer lending.? I hope to hear from you with any questions.???

Monthly net income: $

5K - 6K

Monthly expenses: $
??Housing: $750
??Insurance: $300
??Car expenses:?Other than $100 for gas and the above mentioned insurance $0.00? My current automobile is paid in full.?
??Utilities: $400
??Phone, cable, internet: $ 200
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $0
??Other expenses: I place $1000 into another savings account every month for a down payment on a house.? I plan on purchasing a home within the next year or two.

Paying off debts

The purpose of this loan is to help assist me with consolidating my credit card balances and minor car maintenance brakes, tires, etc. I am a good candidate for this loan because I am a single mom in my junior year at Arizona State University and working hard to finish my degree so I can earn a substantial income to help make a better life for my daughter. Because I live off of family contributions about $10,000 to 20,000 per year and financial aide, and working as a dental temp, I am unable to provide a pay stub and Form W-2 to support my yearly income. My credit score and credit report reflects my consistent payment history as it is very important for me to pay off any debts and maintain a very good credit rating. My monthly expenses are as follows:

Car $0 (Paid Off )
Rent $890
Car Insurance $70
Utilities $80
Phone, cable, internet $180
Food, entertainment $200
Clothing and household expenses $75
Credit Cards and other loans $200

Loan for Needed Work Supplies

Purpose of loan:
This loan will be used to stock my inventory of Wound Care Supplies that I require to carry my daily functions as a Wound Care Specialist,?having left a previous employer to?work on my own as a private contractor.??As such, I see?contracted patients at Nursing Homes across the state and care for their wounds.? This?involves having a steady supply of disposable instruments and bandages, once supplied by my previous employer, which now must be stocked by my own funds.

My financial situation:
I am a good candidate for this loan because, although I have a low Presper Score, it is only because I made a number of inquiries to my credit bureau's over the past year, while applying for a few needed credit cards in order to have a highly needed revolving line of credit.? What ensures that I am a good candidate despite the score are the fact that I have NEVER been late or deliquent on paying back ANY of my debt/bills (in fact, I don't think in over 20years I've ever let a credit card balance even carry over to the next month, having paid my bills IN FULL every month.? So please take into account my profile above, which shows that I do have excellent credit (withstanding the inquiries).? In fact, my last Experian credit check score was 774 on 12/18/09 and 737 on 11/1/10.

What also makes me a low risk is that I have been an MD for the past 5 years..? There is no shortage of contract business in my state, where I take care of the elderly (who develop wounds while long stays in Nursing Homes).? My monthly income, while on the lower side is?2? to my just?leaving to work independantly, and is guaranteed to rise substantially as soon as I start signing new contracts, but also, since I still live with my aging parents, without rent, my outgoing expenses are minimal, allowing me to?securely pay off this loan.? The money will be used to?stock my supply of Wound Care supplies (i.e. disposable bandages, disposable scalpels, etc.) that I require to perform my daily work.
Thank you for your thoughtful consideration.

Monthly net income: $ 2,000 currently (as I just began my own new Wound Care Company)

Monthly expenses: $ 310.00
??Housing: $ 0.00? (I do not pay?rent as I live?(and care for) my aging parents
??Insurance: $ 100.00 (includes automobile and malpractice insurance)
??Car expenses: $ 100 (gas)
??Utilities: $ 0.00 (again, living rent/utilities free with parents)
??Phone, cable, internet: $ 50 (personal/business cell phone)
??Food, entertainment: $ 10
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 50 (Minimal credit card balances which are paid in full monthly)
??Other expenses: $ 0.00

Equipment for 10+ yr Business

This Loan will be used to purchase a HP L25500 latex printer. The printer cost $20,000 plus $3000 for initial supplies and setup. We are going to use this Prosper loan to pay for half of it and we will pay the other half.
The new HP printer does much much more than the equipment that we have now and will open up our already profitable business to more customers and their needs. We currently have two machines that are paid for and have no debt. the machines that we currently have are worth roughly $10,000. So with our money and the equity we have in our other equipment, we could pay off this loan if something unexpected and unlikely were to happen. We have been in business for over 10 years and my business partner has been a small business owner for over 30 years.

My financial situation: We currently have ZERO debt and do approximately $300,000 in revenue a year.
I am a good candidate for this loan because? I can pay this loan off at anytime if the company were to run into financial trouble. Please feel free to ask anything you need to help make your decision.

Monthly net income: $ 8500

Monthly expenses: $3500
??Housing: $1200
??Insurance: $100
??Car expenses: $0
??Utilities: $100
??Phone, cable, internet: $100
??Food, entertainment: $500
??Clothing, household expenses $500
??Credit cards and other loans: $500
??Other expenses: $500

expanding a business

Purpose of loan:
This loan will be used to?open a small design center in NC. We cater to an upscale community. Well established business needs to?have some?extra money for start up costs.?

My financial situation:
I am a good candidate for this loan because? B/C I make a good living but for tax reasons and lack of credit history cannot secure a conventional loan.

Monthly net income: $ 8000
Monthly expenses: $ 6000
??Housing: $ 1700
??Insurance: $ 100
??Car expenses: $500
??Utilities: $ 200
Phone, cable, internet: $ 500
??Food, entertainment: $ 500
??Clothing, household expenses $500
??Credit cards and other loans: $ 1000
??Other expenses: $ 1000

business expenses-home improvement

b>Purpose of loan:
This loan will be used for business insurance., home repairs, pay credit card balance.

My financial situation:? Own a business services and office rental corporation, as well as 60% of office building in a separate corporation; doing well and moving forward.
I am a good candidate for this loan because I am an established business (12 years), and I am respected in my community. My income is as follows: Salary of $62,000+ per year, along with annual Social Security & JHU Pension?of $18,636 (This begins 10/27/2010).? I also have a roommate who pays $1000/month
Monthly net income: $3,810 plus SocSec $1,353, plus?roommate $1000

Monthly expenses: $5565
Housing: $3,750
Insurance: $ paid with Income Tax Return
Car expenses: $ 0 Own my own car, no payments
Utilities: $250
Phone, cable, internet: $?165
Food, entertainment: $400
Clothing, household expenses $150
Credit cards and other loans: $800
Other expenses: $ 50

Establish Credit With Prosper

Purpose of loan:
Establish credit with Prosper. I am a lender as well

My financial situation:
I am a good candidate for this loan because I am a full-time Police Officer and I have worked for the same department for the last 13 years.?

My credit score is a little lower then normal.? About 9 months ago I closed all of my credit cards to avoid the high APR increase.? I have paid off a total of $19,000 in credit card debt in the last year.? I only have one credit card with a $6,000 balance to pay off.

Monthly net income: $ 3,100

Monthly expenses:?$2,500
??Housing: $ 1,100
??Home & Auto Insurance: $?125
??Car payment: $ 225
??Utilities: $?250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 350
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 100 min payment
? Fuel: $100


Thank you for your time.

paying on my credit cards

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

My financial situation:
I am a good candidate for this loan because? I?work and I receive retirement. I have a good history of paying my bills

Monthly net income: $ 4,783

Monthly expenses: $
??Housing: $ 990.00
??Insurance: $ 187.00
??Car expenses: $ 700.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 300.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 1,500.00
??Other expenses: $

Credit card payoff

Purpose of loan:
This loan will be used to pay off my credit cards at a lower interest rate so I may pay off my debt as quickly as possible.? I only have three small cards totaling about $7,500.? All the charges on the cards were used to grow my business and not for personal reasons.

My financial situation:
I am a good candidate for this loan because I have no other revolving debt.? The monthly payment on this loan is about half of what I pay the three cards each month.? I typically pay much more than the minimum amount due, in an effort to pay the debt down as quickly as possible.? My monthly net income is low because I only take money out of the business to cover personal expenses and keep a few hundred dollars in the bank.? All other income from the business is reinvested in the business.

Monthly net income: $ 2,500

Monthly expenses: $ 2,195
??Housing: $ 800
??Insurance: $ 120
??Car expenses: $ 60
??Utilities: $ 225
??Phone, cable, internet: $ 90
??Food, entertainment: $ 150
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 600
??Other expenses: $

debt consolidation

Purpose of loan:
This loan will be used to? pay off credit cards, pay down car loans, etc

My financial situation:
I am a good candidate for this loan because? I always pay my bills/debt

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: $

To open a business

Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 5600 monthly

Monthly expenses: $
??Housing: $?
??Insurance: $ 54
??Car expenses: $ 250
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $?100
??Other expenses: $

Consolidating my credit cards

Purpose of loan:
This loan will be used to consolidate my credit cards.

My financial situation:
I am a good candidate for this loan because i have fully paid 2 previous loans of the a much greater amount, ahead of schedule and I have never been late making payments.? Please see my track record.?

I have an average annual gross income of $115,000.00(bonus of $15,000 included).? I am a Senior Computer Systems designer for a Market leading Computer company.? I have a PhD in Computer Science and have been in the I.T. industry for the past 20 years as well.? I can meet this obligation without an issue.

Monthly net income: $ 6500(Net of taxes/retirement/medical)

Monthly expenses: $ 4400
??Housing: $2650
??Insurance: $ 50
??Car expenses: $ 600
??Utilities: $ 200
??Phone, cable, internet: $ 0 (company paid)
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $

Pay off billls

Purpose of loan:
This loan will be used to? to pay off bills

My financial situation:
I am a good candidate for this loan because? I am trying to get ahead and stay that way

Monthly net income: $ 39,000.00

Monthly expenses: $
??Housing: $ 495.00
??Insurance: $ 85.00
??Car expenses: $ 80.00
??Utilities: $ 75.00
??Phone, cable, internet: $ 84.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 25.00
??Other expenses: $

Warm My Home ~ Ease My Heart

Purpose of loan:
This loan will be used to? winterize my home (Need to insulate under my house) ?and then?pay bills

My financial situation:
I am a good candidate for this loan because?
I am honest and trustworthy and promise to repay this loan promptly.
Monthly net income: $ 3516.00

Monthly expenses: $
??Housing: $ 1103.00?
??Insurance: $ escrowed
? Car expenses: $ zero.. (vehicle paid for.)
??Utilities: $ 125.00
? Phone, cable, internet: $ 150.00?
??Food, entertainment: $ 200.00?
??Clothing, household expenses $ only as needed?
??Credit cards and other loans: $ 500.00
??Other expenses: $

debt consolidation

purpose of this is? loan is to pay? all my bills ahve one monthly payment. the reason it didnt get funded first i didnt get my documents to them in time so now im retrying and hve my documents hopefully ready for them.

My financial situation:? i always say if u borrow something always pay it back or take it back.

College tuition and pet bills

Purpose of loan:
This loan will be used to? pay son's tuition at UGA - he graduates in one year - my bulldog has cancer - paying off some of her med bills?????

My financial situation:
I am a good candidate for this loan because?
I have never made a late payment in my life.?I have used credit cards to help my? two sons get through college. The youngest will graduate in one year. I also have an english bulldog that has cancer and I have spent thousands of dollars?on her?medical bills. She is one of our family.?Most of my debt that shows is a home equity line of credit on my rental house. My oldest son lives there. I did the LOC instead of a regular mortgage because the interest rate is lower(3.25%). ?I let him pay make pmts. on?the LOC for living there in the house.?Even though I have never?made a late pmt. on my cards, some of the interest rates went sky high. They did this because they can? and they did it before the new credit card laws went into effect. As a consumer, I have no choice but to pay the high interest? and it also makes the payment higher and makes it slower to pay off.? My husband has a great job and pays ALL of ?the household bills.??Our house is paid for and in his name. My car is paid for. I have been working in banking for over 35 years.?My sons did not get?a scholarship, so college is VERY expensive(apt rent and utilities and food)?. I?am within one year of finishing with college expenses and my husband is up for a very good promotion. I can see light at the end of the tunnel. Thank you for listening.
Monthly net income: $ 3,000.00??(mine alone)

My loan for debt consolidation

Purpose of loan:
This loan will be used to? pay old medical bills and put a safety cushion in the bank through January.

My financial situation:
I am a good candidate for this loan because? I have already paid one Prosper loan off (early) and I have managed my limited income extremely well. I also will be able to take on a second job after the first of the year.

Monthly net income: $ 1180

Monthly expenses: $
??Housing: $ 299
??Insurance: $ 98
??Car expenses: $ 215
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 80
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

N.B.: The above figures are based solely on my income; my partner, who also works part-time, contributes to household bills. I need a small short-term loan after having to buy a replacement car a couple of months sooner than expected, having had my checking account cleaned out via debit-card fraud (have police/bank documentation), and while waiting for a couple of slow-paying freelance clients. Substantial tuition and fee increases and price-gouging for parking near my university have taken a toll on my finances in between student loan disbursements.

I have paid off one Prosper loan in full (early!); I'm not sure why it shows two late pays. I know that one payment was late due to a problem with online banking/bill pay. I don't know about the other one. Also, my overall credit utilization is nowhere near 51%, as noted above; I've had several accounts increase my credit limit and have most of those cards at 0% utilization.

Also, be assured that I will pay off this loan in full by February 2011; it's just a stop-gap against any further unforeseen disasters. The interest rate for this listing is extremely high; I hope you will see fit to bid it down. However, I am willing to pay it if the loan is funded. I don't want to risk missing any bill payments whatsoever between now and January. Paying off an old medical bill (the $312 delinquency noted above), replacing a bad doorframe before winter, and putting a few hundred dollars' cushion in the bank would help me sleep much better at night.

I will be able to take on a second part-time job in January; I will be ABD in April and expect the Ph.D. in hand by the following spring. I'm more than happy to answer any questions you might have. Thank you, Prosper community. You have helped me in the past and I hope you will see fit to help me again.

Need a Pickup Truck

Purpose of loan:
I need to sell my car and buy a used pickup truck. This loan will allow me to cover the difference between the worth of my car and a reliable used pickup truck.

My financial situation: I have a steady job with the State of California working for the Dept. of Fish and Game for the last three and a half years.
I am a good candidate for this loan because I have already paid off one Prosper loan and have only a small amount left on a second. All loan payments are on time. The payment of this loan will be less than my car payment by over $100. I will have no trouble paying for this loan.

Debt Consolidation

My Fico score is lowered because when I try to help my cousin buy a car, the car dealer run my credit almost 12 times.? I did not buy the car for my cousin, you can see my credit when the inqiure is run and now, there is no car showing on my credit report.

Purpose of loan:
I would like to consolidate some credit cards to one payment.?

My financial situation:
I am a good candidate for this loan because I am responsible and pay my bills on time.? I am also very frugal with living expenses and try to save.

Annual net income: $ 70,000 (NET)

Monthly expenses: $
??Housing: $ 1000
??Insurance: $?50
??Car expenses: $ 300
??Utilities: $?50
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100

Engagement Ring

Purpose of loan:
This loan will be used to?
Buy an Engagement Ring
My financial situation:
I am a good candidate for this loan because?
I am Employed and Live with my Girlfriend who is a Real Estate Broker.
Monthly net income: $ 15,000

Monthly expenses: $
??Housing: $0
??Insurance: $0
??Car expenses: $60?????
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $0
??Clothing, household expenses $0
??Credit cards and other loans: $1,000
??Other expenses: $100

Paying off credit card debt

Purpose of loan:
This loan will be used to pay off credit cards and Lacks furniture.
Lacks Furniture:?????$2600.00????????per month I pay: $300.00
Credit card# 1:???????$2200.00???????????????????????????????? $150.00
Credit card# 2:???????$1610.00?????????????????????????????????$125.00
Credit card# 3:???????$? 660.00?????????????????????????????????$100.00???
Totol:????????????????????$7070.00????????????????????????????????????????


My financial situation:
I am a good candidate for this loan because I have not been late on a single payment in the past 5yrs. All the delinquencies showing are from my ex-wife. She has been late on the home we baught together about 30 times. No exageration! And the $694 that shows to be delinquint in my name is an old electric bill she never paid. If I were to get this loan, I would definitly be able to pay this off ahead of time. I currently pay approx $675.00 per month on the items I want to pay off. With this loan my payment would be no more than $320.00. Please give me close consideration. I gaurentee I won't let any of you down! Thanks!


Monthly net income: $ 3500.00

Monthly expenses: $
??Housing: $?781
??Insurance: $?74
??Car expenses: $ 0
??Utilities: $ 265
??Phone, cable, internet: $ 115?
??Food, entertainment: $ 300.?
??Clothing, household expenses $ 125?
??Credit cards and other loans: $ 675
??Other expenses: $ 200
??Total:$ 2535

Business Equipment Purchase

Purpose of loan:
The loan will be used to purchase a hydraulic press for manufacturing a new green building material as well as sustainable furniture.
My financial situation:
While the business can afford to purchase the press outright, I wish to preserve available funds for use as working capital.I have a degree in Environmental Science from Princeton University and have invested two years developing a new green building material which will be going on the market at the end of 2010. The material is a natural fiber composite which is hand made in India and Indonesia by socially responsible suppliers. The intended use of the product is interior design (doors, cabinetry, paneling, etc) and furniture.?Feedback from marketing efforts has been extremely positive with significant interest in our target markets. This product is completely unique with no comparable products on the market. The hydraulic press that I will be purchasing is the only significant piece of in-house equipment needed for the manufacturing process, as all other steps are outsourced to?two additional?companies located in Washington State.

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 60
??Car expenses: $ 0
??Utilities: $ 50
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $?100
??Other expenses: $

A+ Accountant

Purpose of loan:

I am an accountant. This loan will be used to hire independent contractors during the tax season and expand my bookeeping practice after tax season. When we complete are work we are paid within 7 days for electronic returns. We ARE paid immediately or up to 30 days for paper returns. Consequently, the loan works as a line of credit during tax season. It is used as a short term loan for business purposes after tax season.



My financial situation:

I am a good candidate for this loan because I AM A CURRENT INVESTOR WITH PROSPER. (Please feel free to locate me as an investor.) I also have a current loan with Prosper.com. I have been an Accountant since 1997. I am now running my own Accounting practice as a sole practitioner. I have NEVER EVER been late on any payments. I am certain the cash flow will come since my business is a recession proof industry. I am preparing now to be ready for the 2011 tax season. I am also very conservative by nature and training.

My credit score hasn't changed since my initial Prosper loan. It was 760-779 in Feb 2010 and it is currently 760-779. As to why Prosper has me rated as HR, I have no clue. It makes no sense to me. I have the same credit score with about the same amount of debt and income. I even have 8 months of current Prosper history. I believe my rating does not accurately reflect my true risk factor. I will be paying a higher rate while my risk level is much lower.

My outstanding debt is

Home Equity Line of Credit: (Remodeled in 2006)
$54,000 +/-

Credit Card:( Start up Capital for Business)
$29,000 +/-

Car Loan:
$19,000 +/-


Monthly Expenses:

Mortgage and HELOC PITI :2,200
Car Payment: 560
Phones:250
Utilities:100
Food:400

Building my credit back

Purpose of loan:
This loan will be used to pay off my credit cards, I always pay on time but the situation with mortgage crash my credit report, this likely is going to change with a short sale in my property, that should be any time in the next couple months, all paperwork related is done, waiting in lenders to finish, that's why I want to pay my credit card (Sharky) because never stop paying it waiting for this moment to come by, regain my credit and start all over again.

My financial situation:
I am a good candidate for this loan because? I have a small distribution business and working for installing cable boxes now, that means steady income to pay the loan in about 6 months, don't have many accounts to pay and the 33k delinquent is the mortgage, but that will come out with the short sale, and I pay everything else..................GOOD PAYER......

Business

Purpose of loan:
This loan will be used to start an afterschool program for children who have parents that work outside of normal business hours (weekends, holidays and evenings)

My financial situation:
I am a good candidate for this loan because my intentions to use the money would be solely in helping my business by providing childcare, offering job opportunities and a stiphen program to high school students looking to earn community service credits towards their high graduation.?I am in a good position at this present time to repay a loan in this amount due to the fact that my total income including my husband is over $100,000 and with minimal living expenses of?approximately $3,000 per month.

Monthly net income: $ 6,000+

Monthly expenses: $
??Housing: $ 1,400.00
??Insurance: $ 150.00
??Car expenses: $ 271.00?
??Utilities: $ -0-
??Phone, cable, internet: $ -0-?
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 300.00
??Credit cards and other loans: $ 400.00
??Other expenses (Childcare 1 child): $ 588.00

My loan for home improvement.

Purpose of loan:
Roof needs complete overall.

My financial situation: In a tight spot now but can pay off the loan in a timely matter.


Monthly net income: $ 2000

Monthly expenses: $ 500
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $50
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 300
??Other expenses: $