Stock trading capital, personal use

Purpose of loan:
$795 will used for trading with FSC Capital. The rest for personal use.

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

Monthly net income: $ 1624

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 78
??Car expenses: $397.61?
??Utilities: $ 0
??Phone, cable, internet: $ 40
??Food, entertainment: $200
??Clothing, household expenses $20
??Credit cards and other loans: $39.11
??Other expenses: $ 10

Q: Have you ever day traded before, and what was the out come? - exchange-cowbell5

A: Turned $2000 into $3400. Turned $3400 into $3900. (Jan-15-2010)

Q: Is FSC matching what you put in the account? If so, do they monitor what your investments will be? And, being that your car expense is 1/4 of your income whats the balance left on the car? Thanks. - Cambium

A: The $795 covers the training to become a professional trader. Monitoring of investments will be my responsibility. The balance left on my car is currently $10,762.92. (Jan-19-2010)

Q: explain your housing situation - Capit0l

A: I currently live with my mom. (Jan-19-2010)

Q: What is your current return on Prosper lending - and what advice do you have on picking loans? - JGuide

A: My current return is 21%. My advice on picking loans is to invest in something that is tangible and feasible. In other words when the borrower uses the loan for something that is not tangible or feasible this definitely bring up a red flag. If it is a loan used for business for example make sure you ask about how their business has performed recently compared to last year. Things like that will help you avoid losses. Always do your due deligence. (Jan-19-2010)

Paying off my credit cards

Purpose of loan:
This loan will be used to?pay off my higher interest credit cards. Most of my cards are between 18 and 21% and I would rather pay them off with a lower interest loan than do a credit reduction program. I take pride in and value my good credit score.? ? ?

My financial situation:
I am a good candidate for this loan because?I never pay anything late and usually pay early. By being self employed for the last 12 years I have never been out of work.
My credit scores are good and my reputation in my personal and business life are great. I draw a regular salary or $47,000 per year as well as shareholder dividends.

Only 1 car with 3 kids..help!

Purpose of loan:
This loan will be used to go from a one vehicle family to a two vehicle family.

My financial situation:
I am a good candidate for this loan because I have worked for the same company for the past 20 years. I am currently making almost 50k per year.? I will be able to repay this loan on time and allow my family to have a reliable car that is safe! My wife is a school teacher and make s a great salary...because of a late payments when she had melanoma, we are having a problem obtaining a loan. The car we have now has 130K miles on it..it is only worth 3k and it will cost us 1k to repair!!? The reason it shows a delinquency is because we got involved in a debt management program and have a monthly payment that we make for all other debts.? The credit report shows them as not being paid, but they are being paid through the program.? Please help us to get a preowned car!!!

Q: Hi, Just want to say,,,, Good Job on your on time payment history with your other Prosper loan! - DasMula

A: Thanks so much...we would do the same for this listing...automatic withdrawl...I appreciate your comment!!!! Jen (Jan-07-2010)

Q: stats look OK, and nice Prosper payment history. how about a monthly net income firgure, and total expense figure, so we can see what's available for new payments. see my page. thank you - Tono

A: Hi, Prosper is the only debt we have other than house, taxes, ins and utilities. My wife is making 62K. Total monthly expenses: 5300. Income: 7200.00 Thanks (Jan-13-2010)

Helping daughter pay for wedding

Purpose of loan:
This loan will be used to help my daughter pay for her wedding.?

My financial situation:
I am a good candidate for this loan becausee I have paid my other loan on time.? I know that 2 delinquincies are now on my credit report.? They are from a credit card I had set up on an automatic payment for a year.? The year ran out and I completely let it slip to set up the next years worth of payments.? I will set this loan up just as I have the other loan for its entire length and I will not be late one time.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 400
??Insurance: $ 80
??Car expenses: $ repairs only no car payment
??Utilities: $ 130
??Phone, cable, internet: $ 110
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 400
??Other expenses: $

Q: I want to help you, but want to get clarity on the 2 delinquencies. You just let it slip because you forgot to set up the next year's payment.? Did you not receive letters or calls from the creditor to remind you before they reported you delinquent? - CA_Lender

A: The company called after I had missed the second payment, that is what reminded me. I had not noticed that they had not been deducted from my account because my husband has a card from the same company so the name was listed on our bank statement. I accept cpmplete responsibility for the problem. I was not checking as carefully as I should have been and that has taught me a lesson so now I have a check list by which I check off each of my scheduled payments. (Jan-08-2010)

Car Repairs

Dear Lenders:????

I would like to borrow money to apply to some car repairs that I need.? I need some transmission work, but I don't have the money at this time to have the work done.?? I have been rebuilding mine over the past couple of years and hope that you good people will lend me this money.? I am an excellent candidte for this loan, as I have had two loans with Prosper and both were paid off ahead of time.? I have always paid on time through an automatic withdrawal from my bank account.? This loan will be paid on time and will always be current.???

You may ask me any questions and I will try to answer them to the best of my ability.? Oh, and one last thing.?

My current financial situation is as follows:

Income per Month:?

Retirement:????????????????????????? ???$ 1,758

Expenses per Month:????

Rent:??????????????????????????????????????????200
Insurance:???????????????????????????????????350?
Utilities and Phone:????????????????????? 200??
Car Payment????????????????????????????????251


Thanks for looking and I hope you will help me out.

to pay of estimated ny state tax

Purpose of loan:
This loan will be used to?to pay off remaining balance of estimated?income tax?

My financial situation:
I am a good candidate for this loan because i pay my bills on time.? I had a little trouble about four years ago but have paid my bills on time for the last?three years. I had a prosper loan?previously?paid on time and paid off loan early?.? I own a home with my husband who makes the monthly payments for mortgage, home insurance,and auto insurance.?

Monthly net income: $ 2292.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 247.00????
??Phone, cable, internet: $129.00
??Food, entertainment: $900.00
??Clothing, household expenses $
??Credit cards and other loans: $ 534.00
??Other expenses: $ 200.00 Medical coverage through my previous employer

Car maintenance

Purpose of loan:
This loan will be used to replace my car's front struts and for the 60,000 mile tune up.

My financial situation:
I am a good candidate for this loan because I will be able to quickly repay it. I have taught for 6 years in the same public school system, and have been working weekends at a restaurant for about 6 months; both jobs are stable. I own half of a condo and will soon pay off my car loan. My savings had recently been depleted and then I was told about the work my car needed. My daily commute is an hour each way so I make it a priority to keep my car in good working order. I will use the money I normally put in savings to repay this loan, but would like to get my car taken care of immediately.

Monthly net income: $ 3,100

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 90
??Car expenses: $ 500
??Utilities: $ 150
??Phone, cable, internet: $ 0
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 530
??Other expenses: $

Q: hi, how long before the car loan is paid off and how much will that free up? - shrewd-income

A: It will be paid off in October of 2011 and will free up $280 a month. (Jan-12-2010)

Consolidate Bills from helping Sist

Purpose of loan:
This loan will be used to? consolidate short term loans from helping my sister she
was while ill and up to and after her death. Also to pay for my own medical needs
that can not be posponed.
once consolidate I will be getting ready to complete foster care
training which I have looked forward to for many years.

Note relisted due to fraud on bank account
sorry for the inconvience for those that bid and
brought my last listing to fully funed. I hope you
bid again.


I am including some of the questions and answers from last listing.

Q: WIll you be able to verify your income of $2400 with prosper ? -Capit0l
A: Yes I have documentation verifying my income from retirement. I have also sent proof of home ownership to prosper that did not show on the listing. (Jan-01-2010)
Q: Credit cards and other loans: $ 600 Please list all balances of this debt . how much do you pay for health insurance ? thanks -Capit0l
my medical insurance is deducted from my benefits. the amount is not included in exspenses for this reason. $600 payments are basically interest only on short term high interest loans taken out while taking care of my sister. balances 1. 300, 2. 400, 3. 300, 4. 200, 5. 150, 6. 200, 7. 100.
I need 800 for emergancy medical I have only been able to pay interest. My sister and husband died before repaying me.
these amount are now higher due to interest that will be added before this listed is fully funded and loan applied.? Add about 400
to this total to reflect the added interest.

I beleive I am a good Canidate for a Prosper Loan

I take my credit and bills seriously, I pay my bills and mortgage before
I think of my own needs.?
I know once I get? this loan I will beable once again to stay out of debt
and start saving for emergancy and taxes once again.

I have learned my lesson.?


Monthly expenses: $
??Housing: $ 829
??Insurance: $? 150
??Car expenses: $ 80
??Utilities: $ 180
??Phone, cable, internet: $ 140
??Food, entertainment: $ 150
??Clothing, household expenses $50
??Credit cards and other loans:?????will be paid off with prosper loan????????????????$ 600??
??Other expenses: $ medical? 50

next summer I will be ready to start my foster care????

thank you again and sorry about the inconvience

New home office for business

Purpose of loan:
This loan will be used to remodel my home to create an office for a new home business.
I have decided to go for a lower loan amount and do the work myself.

My financial situation:
I am a good candidate for this loan because I have a good job with the same company for over 19 years and?stable income.?I always pay all debts my on time. I currently have a loan with Prosper that will be paid back in little over a year. I have never missed a payment on this loan or been late. My credit score has taken a hit because I have closed account. I have never had a late payment toward any of my debt. I always pay ontime. I am applying for another loan through Prosper because I like know the loan will be paid off in 3 years or less and do not like paying interest to banks.

Monthly Gross Income $6833.00 and?Net Income: $ 4188.00

Monthly expenses: $ 3466.00

Q: are you planning to continue working for your current employer with this business being a side interest? - skillful-asset5

A: Yes, For now I plan to keep working for my present employer and build my business on the side. (Jan-08-2010)

Reparing weather damage to home

Purpose of loan:
This loan will be used to replace and repair water pipes, water heater and water well holding tank that were damaged by lower than usual?freezing weather in the south

My financial situation:
I am a good candidate for this loan because I am a fulltime, certified High School teacher with regular income. These repairs cannot be done unless I pay the full cost up front. I do not have the full amount needed to make the repairs, and without them will not have water in my home.

Monthly net income: $ 2800

Monthly expenses: $?2000

??Utilities: $250
??Phone, cable, internet: $150
??Food, entertainment: $ 400
??Clothing, household expenses $150
??Credit cards and?student loans: $ 900
??Car expenses: $ 150.00

Q: Why do you need to make these repairs if you don't own the home? - zipemdown

A: I do own the home. I've lived here for 26 years, and paid off the debt 4 years ago. The mortage was a private loan through my ex-inlaws, therefore it does not show on my credit report. I do not have home owners insurance, and have to pay for all repairs out of pocket. Thank you for your question. (Jan-13-2010)

Want to consolidate some debt

Purpose of loan:
I am looking for a loan to consolidate a really high interest debt that I have. I am planning on getting married this year, and this debt consolidation will allow me to save some money to help pay for some of those expenses.

My financial situation:
I have never missed a?payment that I owe. I am very trustworthy.?I ran into some financial problems because of some unexpected expenses?about three years ago. I worked my tail off to get out of that hole, and have recently begun to do so. While ?I was completely underwater financially, I still never missed a payment. The only reason that my credit score is not as high as it should be is simply because of the last of the debt I have to pay off is skewing my utilization component of my credit score. I am proud of what I have been able to accomplish. I recently purchased my first home, and am now just looking for that little extra to take out my last bad loan so I can start over. I have a $3,500 loan that I am paying about 106% interest on. Once I remove that obligation and can better pay that debt down and also save some money to help take care of some marriage expenses I may have.

Monthly net income: $ 4400

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 80
??Car expenses: $ 400
??Utilities: $ 150
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $

paying off debts

Purpose of loan:
This loan will be used to? pay payday loans off?? in their intirety

My financial situation:
I am a good candidate for this loan because? i pay my bills on time and wish to continue doing so but i need a little help with financial assistance|
Monthly net income: $ 3,200.00

Monthly expenses: $
??Housing: $?200??Insurance: $?60??Car expenses: $392.00??Utilities: $?150??Phone, cable, internet: $ 40.00
??Food, entertainment: $?100??Clothing, household expenses $ 100.00
Credit cards and other loans: $?800?Other expenses: $

Q: Looks like your credit card expense is $800 a month. With this loan, how much will that be reduced? - asset-control2

A: 50% (Jan-07-2010)

Q: Explain the 1 public record . - Capit0l

A: Bankruptcy filed in 2004 and discharged in 2004. I have maintained on time payments for all my accounts for the past several years with no late fees and never intend to file bankruptcy again in the future. (Jan-08-2010)

Q: Please describe your job in some detail. Please comment on the stability of your job, your employer and your profession. Thanks much and best wishes. - reflective-rupee

A: I am an overnight stocker for Wal-Mart. I have been there over 8+ years and feel stable that my position and the company are strong. (Jan-12-2010)

Q: hi, what is your job and industry? thanks - shrewd-income

A: Currently I am a night stocker at Wal-Mart. I have been there over 8+ years. I am confident that my position and the company are strong. (Jan-12-2010)

Q: also do you have a spouse/partner who helps w/expenses? thanks - shrewd-income

A: No (Jan-12-2010)

Q: What events led you to take out payday loans, and what changes have you made to your lifestyle to avoid payday loans in the future? Thanks and best wishes. - reflective-rupee

A: I never intend to get a payday loan in the future. (Jan-12-2010)

Q: Why did you take out multiple payday loans? Will you need to take out payday loans again in the future? - ideal-value

A: I never intend to get a payday loan in the future. (Jan-12-2010)

Q: Please list the balances, interest rates and monthly payments of each of your debts. Thanks much. - reflective-rupee

A: Please call me at my phone number. (Jan-12-2010)

Pay off High Interest Loan

Purpose of loan:
This loan will be used to pay off a payday loan.? My 2 year old son was diagnosised with Autism and I did not have the money to cover his medical expenses so I took out payday loans.? I got into a horrible cycle of having to get more payday loans to pay off the 200-300% interest.? I have finally paid almost all of them off, but still need to pay the last loan.?? A loan with Prosper gives me a much better interest rate and I want to put the payday loans behind me.

My financial situation:
I am a good candidate for this loan because I am a hard-worker and I have been successfully paying off my current?debt by paying over the amount that I owe.?? I have never been late on my payments and this payment will be?automatically deducted from my checking account.? I have a stable job that?I have been with for over 6 years.?? I plan to pay this loan off as soon as possible.

This?is my portion of expenses for the month.

Monthly net income: $ 1600.00

Monthly expenses: $???
Housing:??$ 0
?Insurance: $ 157.00??
Car expenses:?$ 0??
Utilities: $?197.00??
Phone, cable, internet: $ 200.00??
Food, entertainment: $ 250.00??
Clothing, household expenses $ 100.00??
Credit cards and other loans: $ 600.00??

Money for last college classes

Purpose of loan:
I need this loan to help me cover school and living expenses while I finish the last classes required for my BS in Information Technology. Consulting part time during this period but its intermittent and really could use the money to fill in the gaps.
My financial situation:
I am a good candidate for this loan because I'm a hard worker and when I graduate in June 2010 I will be working full time again and paying of this loan as fast as possible. My credit took a major hit when Chase and BofA saw fit to close my credit accounts even thought they were in good standing. I'm soooooo close to graduating, please take a chance and help me better myself. Thanks

Monthly net income: $ 1500

Monthly expenses: $
??Housing: $800
??Insurance: $ 50
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 40
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 110?
??Other expenses: $

Q: $300 DQ? - JGuide

A: Thanks for your interest. The $300 dq that you point out is new. An old credit card of my mother's that once had a card issued in my name shows its balance on my report. She got a couple payments behind recently though I am helping her to get caught up. I have moved her in with myself to save money. Hopefully this will be reflected on my credit report soon. (Jan-07-2010)

Need your help

Purpose of loan:
This loan will be used to? lower my credit card interest.?

My financial situation:
I am a good candidate for this loan because? I have great repayment history.? My husband lost his job shortly after we were married last year.? We had some savings set aside that had to be used, however, we had to resort to credit card use.? He is now employed with a great job, and our income has increased dramatically.? We are trying to get back to living with little debt, and want the ability to lower our interest rate so that we can start saving for our future together.

Monthly net income: $ 3600 for mine and $3800 for my husband

Monthly expenses: $?4289
??Housing: $ 1730
??Insurance: $ 450
??Car expenses: $ 379
??Utilities: $?180
??Phone, cable, internet: $ 400
??Food, entertainment: $ 500
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 400

Cosolidate Credit Cards

Purpose of loan:
Cosolidate Credit Cards

My financial situation:
My monthly expenses?include cell phone, mortgage, and gas. I have 3 credit cards that are completely paid off.

Monthly net income: $
1700
Monthly expenses: $
??Housing:?800
??Insurance: 0
??Car expenses: 0
??Utilities: 0
??Phone, cable, internet: 75
??Food, entertainment: 100
??Clothing, household expenses 25
??Credit cards and other loans:?0??
? Other expenses: 100

Q: Could you update us on your job situation? Also, you are wanting to consolidate credit cards but your budget shows no monthly payment for your cc's. Finally, your debt is increasing with time. Can you explain? - GeoLender

A: I still currently work for the Department of Justice. Barring some unforeseen circumstances, my job situation should not change for quite a while. I do budget monthly for my CC's it was just a mistake that, that was not added. It's around $500 a month. My debt increased recently because I had just purchased a house, and all the money spent on the house went to my CC's, which with the help of this loan and the $8000 tax credit I will get this year should wipe it out completely. (Jan-06-2010)

Q: Hi, Good job on paying your other Prosper loans, Well Done - DasMula

A: Thank you (Jan-08-2010)