paying off high interest card

Purpose of loan????????
I need to pay off high interest line of credit. Rather a human being make interest instead of giant faceless bank
My financial situation:
I live well below my means. I make great income. When I borrow money from people I pay it back.?????

Monthly net income: $
6800????
Monthly expenses: $
??Housing: $ 757????
??Insurance: $ 89????
??Car expenses: $ 100????
??Utilities: $ 200????
??Phone, cable, internet: $ 190
??Food, entertainment: $ 1000
??Clothing, household expenses $ 500????
??Credit cards and other loans: $ 500
??Other expenses: $

Q: Why would someone who makes over 100k a year need to borrow 1k from prosper at 8%? - JCPlending

A: I have a credit card w/ $3800 balance at 18%. i tried to borrow $3000 from prosper and pay the rest off w/ cash. I could not get a $3000 loan funded. (Is that high for prosper? I don't know.) I lowered it to $1000 to see if it would fund. Even if I can pay some of it off @ 8%, that's better than 18%. (Sep-02-2009)

Q: You've stated your monthly income as $6800 and adding up your monthly expenses comes to $3336. If you owe only $3000 on this high interest credit card why can you not just pay it off within one month? Are your listed expenses accurate? - enticing-funds

A: Expenses are obviously variable every month, but it's pretty close. I live fairly cheaply and my expenses are relatively low. I have the cash to pay this off but I'm trying to keep my cash available to invest w/ the mkt being down. I'm simply trying to lower my rate on this card and have the ability to payback whoever lends me the $. (Sep-03-2009)

Q: You state you have plenty of cash yet a delinquency is indicated for $596. Please explain. - NorthwestLoan1

A: I had a dispute with my electric co. They claimed I owed money on a meter attached to a security light built by the city. The city actually owed it but I've never been able to get it off my credit. This was not a loan or credit card. (Sep-04-2009)

Q: So the 3000 borrowed from prosper never happened? It showed up on your prosper loan activity. Hmm. Also...has prosper asked to validate the income you claim? - Cambium

A: I borrowed $3000 a couple of yrs ago and paid it back. The $3000 that didn't get funded was just a couple of weeks ago. That's why I lowered it to $1000. (Sep-04-2009)

Q: When do you plan on paying your delinquent debt? - ITrustyou

A: I actually don't. I realize that's not what a lender wants to hear but I was charged for a service (the utility co.) that I didn't authorize or receive. I disputed it but so far have been denied. This was not a loan or credit card. (Sep-04-2009)

Last hope for retirement

Purpose of loan:
This loan will be used to pay off credit cards that were used to help offset a loss of income while my husband was unemployed and we still had college-age kids to support.? His unemployment lasted three and half years following the last recession, which eventually required that he change career fields.? The new field pays half of his former salary, so despite our best efforts, the credit card debt is very difficult to eliminate.? Now we are caught in the trap of increasing credit rates and fees, which are analogous to the debtors' prisons of the 18th and 19th century.

My financial situation:
I am a good candidate for this loan because I have always managed to pay every debt, while juggling the need to educate my children and keep our old house in good condition.? We are not extravagant, not having taken a vacation or bought a new car in eight years.? We live frugally but manage to help contribute to our community through volunteer work and civic engagement.? In addition, I have been helping to support my brother who is unemployed and on disability with end-stage lung cancer.? I also help care for my 85 year old mother who is in declining health.? To keep my energy and spirits up, I ride my bike and camp and spend time with good friends and family.? I would ask a prospective lender to consider these aspects of my character when evaluating my application for a loan rather than focusing just on my credit score.? Thank you from the bottom of my heart!

Relisting Debit consolidation.

Relisting: The 3rd time is the charm
Thank you for your support on my previous listing it got up to 83% and some really good feed back and support. I do hope that you will bid again and help me fund this loan. Thank you


Purpose of loan:
Thank you Prosper for financing my first loan in 2007. I was able to pay off one of my credit cards and had a simple but beautiful wedding.? This 2nd loan will be used to consolidate my credit card debit at a better fixed interest rate. My highest APR is 34% .Thank you

My financial situation:

I am a good candidate for this loan because I have a good history of paying back my loans/ credit etc.? As my credit history shows I am never delinquent . I have a very good job in healthcare(Physical Therapist) with a good forecast of job security. Based on my present income, I am financial able to pay this loan back with out difficulty.

Monthly net income: $ 5000.00

Monthly expenses: $ 4575
Housing: $ 500
Insurance: $ 375?
Car expenses: $ 350??
Utilities: $ 100??
Phone, cable, internet: $ 100
Food, entertainment: $ 300??
Clothing, household expenses $ 350??
Credit cards and other loans: $ 1500??
Other expenses: $ 1000 (Assisting Family)

roof replacement

Purpose of loan:
This loan will be used to? improve my home and bring up the value of my home.

My financial situation:
I am a good candidate for this loan because? I am sincere in trying to obtain this loan in order to improve the look of the home that I inherited from my parents.????????

Monthly net income: $ 1,625.00????

Monthly expenses: $
??Housing: $ 315.21
??Insurance: $?95.00
??Car expenses: $ 236.00
??Utilities: $ 100
??Phone, cable, internet: $?30.00
??Food, entertainment: $
??Clothing, household expenses $?20.00
??Credit cards and other loans: $
??Other expenses: $

Q: Hello. For whom do you work--what company? Thanks. - Eaglehigh

A: I work for a state agency, Mississippi Department of Employment Security (Sep-02-2009)

Q: Looks like you have outstanding loan from Prosper. Can you tell us what is rate on this loan? Will you be able to afford 25% on new loan? How soon are you planning to pay off the existing and new loan? Thanks. - cybercop45

A: My present interest rate is 11% and if I could get the new loan at 11-12% I will be able to afford it. My plans are to pay off the existing loan by the end of the year and possible pay off the new loan by August of the following year. (Sep-11-2009)

Q: I see you mention that you could afford the new loan at 11-12%; does that mean you won't be able to afford it at a higher rate? - lscott

A: I can afford it, but I would like to keep it in that rate range if possible. (Sep-15-2009)

Consolidate bills from credit cards

Purpose of loan:
This loan will be used to?consolidate credit cards we used while my husband was out with medical problems.

My financial situation:
I am a good candidate for this loan because?my husband now receives Social Security Disability but we are raising our daughter as well as two grandchildren and would like to consolidate our bills

Monthly net income: $ 2400.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $?102
??Car expenses: $?50
??Utilities: $?200
??Phone, cable, internet: $?50
??Food, entertainment: $?50
??Clothing, household expenses $ 50
??Credit cards and other loans: $?0
??Other expenses: $0

Guaranteed Borrower on Prosper

Purpose of loan:
I will use this loan to finance a portion of my upcoming wedding & honeymoon. We have most of it paid for & with the wedding date coming closer we are finding more and more costs. We would like to use Prosper to help make it all possible.

We have been together for 4 years and we purchased a home together 13 months ago. She pays half the mortgage and bills so the amounts listed below in my finances indicate my half I pay each month

Financial situation:
I am a good candidate for this loan because I am very familiar with the Prosper process. I have two previous prosper loans that I used for developing my entertainment DJ business and I paid off both of those Prosper Loans.

Day Job income: 50K
DJ Business income: Average $1100.00 month
Individual Stock portfolio $2100
Employer IRA plan: $7000

Monthly Expenses:
Home: $750
Truck: $347
Utilities:$350
Insurance $120
Food/Entertainment: $400
Other: $400

I have zero Credit Card debt besides the balances I carry to maintain the use of credit cards and pay off at end of each 30 Day billing period.

Q: What is your day job? Do you have a college degree? - Lender25

A: During the day I work as a sales representative for valve automation products. I tried to find an industry to describe my work but the only sales option was either commission sales or retail sales. I do not work on commission or sell in retail. My sales job is in professional services selling to industrial & petrochemical industries. I do not have a college degree. I have worked for my current employer for over 2 years. However, I have over 9 year?s industrial instrumentation sales experience. (Sep-10-2009)

Paying down my credit cards

Purpose of loan:

This loan will be used to pay off my credit card debt.

My financial situation:

I had excellent credit and no credit card balances until last year, when funding for my startup fell through and I had to support my company (until it closed earlier this year) and myself with no cash until I found a job. To get over the hump, I turned to my credit cards as a last resort.

Thankfully, now I have a healthy salary at another company in a secure position (I'm critical to company operations), but still carry a significant credit card balance. Meanwhile, the interest rate on my largest balance recently went up. I'm paying more than minimum balances every month, but given my large balances and high interest rates, it'll take me approximately *forever* to get out of the credit card debt hole. I'd much rather be giving my money to Prosper lenders than to the credit card companies who are doing their best to gouge me and others.

I pay all my debt balances (which include the remainder of my grad school loans) on time every month.

Monthly net income: $4,335 (not including $100-$200 extra per month from blogging)

Monthly expenses: $3,670
? Housing: $1915
? Insurance: $0 (medical covered by employer, and I don't have a car)
? Car expenses: $100 (gas money and service for company car)
? Utilities: $35 for power (water, trash, etc. covered by building owners)
? Cell phone: $90
? Phone, cable, internet: $70 (internet only, I disconnected the land line and cable)
? Dining out, entertainment: $100
? Groceries: $350
? Clothing, household expenses $70 (I work in the Bay Area, where you don't need to spend a lot on clothing to be professionally successful. :)
? Other expenses: $150
? Grad school loans: $140
? Credit card interest: $650

BooRadley has bid a total of $1,986.50 in winning bids.

Debt Consolidation

Purpose of loan:
This loan will be used to consolidate my credit card debt

My financial situation: Excellent.
I am a good candidate for this loan because I refuse to pay continually increasing credit card fees. Also, I paid off my previous Prosper Loan in half the time.

Monthly net income: 3800

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

famstan has bid a total of $191.24 in winning bids.

Q: According to your listing, you're expenses are just over $1050 a month yet you make $3,800 a month? Where does this other $2,750 a month go? Please be more specific. Answer publicly, thanks much and good luck! - BAEVentures

A: I have been investing in R.E. deals (small ones) so my cash flow has been really short. That's why I need this loan to pay off my credit card. These R.E. deals are time sensitive as a result of the times, so I am taking advantage of these opportunities. (Sep-01-2009)