Paying Off Lasik Eye Surgery

Paying off Lasik Eye Surgery to avoid incurring deferred interest charges. I have a very stable sales management position with significant income and have never missed a payment on any debt obligation in my life. I expect to pay this loan off early and become an investor down the line. I offer a very solid return with VERY low risk. I consider my credit profile the most important document in my life.

Newlywed paying of old debt

Purpose of loan:
This loan will be used to? pay off some existing higher interest rate credit cards I have.? Last winter before I was married, my job cut hours during its slow season.? The high cost of living on my own combined with my temporarily lowered income forced me to use my credit card more than I was comfortable with.? After getting married, we hoped that having a two income household would help pay off that debt quickly, but harsh economic times have made repayment in full a slow and pain-staking task.? We are feeling discouraged by the amount of money going toward interest charges and would rather help an individual investor.

My financial situation:
I am a good candidate for this loan because? I am extremely organized and responsible with my finances.? I have even been known to pay rent more than a week in advance!? As a team, my husband and I have quit using credit cards on a daily basis and are working hard to build the life we dream of together.? We both share a respectable work ethic--rarely taking sick or personal days and take pride in ourselves and what we do.? Neither of us have spent any time unemployed since the day we began working.? If it means having multiple jobs to make ends meet, or cutting expenses and living more simply, we always take full responsibility for how we choose to live; welfare, unemployment and bankruptcy are NOT options for us.? I know that if we can make more than the minimum payments on these debts now, we can pay THIS loan back without any trouble.? We are not in any financial trouble now and we fully intend to keep it that way.

Monthly net income: $?4500 (this includes my husband's salary)

Monthly expenses: $ 3911, as listed below, some numbers are approximate
??Housing: $ 1067
??Insurance: $ 110
??Car expenses: $ 529 (auto loan payments) + approximately $400 for fuel
??Utilities: $ 80 (electric and gas)
??Phone, cable, internet: $ 180
??Food, entertainment: $ 400 for groceries,? $500 set aside for personal expenses and entertainment (we travel quite a bit to see family)
??Clothing, household expenses $ minimal, only if necessary
??Credit cards and other loans: $ 400 for credit cards, $175 for my student loan repayment
??Other expenses: $ 70 (gym membership, storage unit)

Any money remaining gets used as extra credit card payments, toward travel expenses or miscellaneous expenses such as auto repairs or registration.
Thank you for taking the time to read this an consider me for your investment.

Paying off my car & credit cards

Purpose of loan:
This loan will be used to?
Pay off my Auto loan and credit cards. I drive a Toyota corolla (2006). I need? to pay $7500 to pay off my car. And I have one credit card with $800 balance on it.
I have $2000 in my savings account and would like to pay off all my loan and credit cards with prosper loan and my savings.
My financial situation:
I am a good candidate for this loan because?
I am working fulltime as a Systems Analyst and I am single. I am well educated and hardworking. I have a Masters degree in Computer Science. I am a very simple person and I don't spend my hard earned money on any unwanted things.I am pretty confident about my financial situation for the rest of my life. I had cleared all my student loans after working for one year. I had cut my spending and cleared $8000 student loans in one year.
I had just started my career ( one year) and would like to reach greater heights.

Monthly net income: $ 3120

Monthly expenses: $
??Housing: $ 300 ( share)
??Insurance: $ 90
??Car expenses: $ 100
??Utilities: $ 50
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 400
??Other expenses: $ 50

Paying off my credit card

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

My financial situation:
I am a good candidate for this loan because I am a college graduate with a good job.? I do not have any housing expenses as I live at home with my parents, I moved back home to help with the family business.?

Q: Hi - you are looking to borrow $4000 to pay of a credit card bill, but your credit profile only shows $139 of credit card debt. Can you please provide a breakdown of the types of debt that you are looking to pay off? Thanks. - marinbb

A: I'm not sure why it is only showing the balance on my AMEX. Not sure if its because my chase card has a 4 month 0% intro rate. (Feb-07-2010)

Trying to get caught up

Purpose of loan:
This loan will be used to buy new brakes and tires for our only car ($1000), polish off about $1000 in medical expenses, and get caught up on bills ($1200).

My financial situation:
I am a good candidate for this loan because I'm consistent with making payments and always try to pay a little extra, even if it's just five bucks. I have a very steady job where I've worked for four years and received several promotions and raises. I've got a lot of freelance work coming up from February through the beginning of summer so I hope to use it and my tax return to pay half the loan off before the end of 2010. My wife contributes to our income with steady freelance work, pulling in an additional $300 or so a week. I currently earn (before freelance) enough to cover the monthly payment for this loan.

Monthly net income: $4430
Total Average Monthly Expenses: Approx. $4000

Monthly expenses:?
??Housing: $1175
??Insurance: $200
??Car expenses: $300
??Utilities: $200
??Phone, cable, internet: $150
??Food, entertainment: $1200
??Clothing, household expenses $200
??Credit cards and other loans: $350
??Other expenses: $225

Q: Please explain the delinquincies shown on your listing. Please answer publicly. Thanks, and best of luck with your listing. - tigercat

A: These were Sallie Mae student loans that I've since either paid down or am current with. Thank you for your interest! (Feb-03-2010)

Q: Do you still have payday loans outstanding? How much principal is owed on them, and how much is the interest each month? Thanks and best wishes. - reflective-rupee

A: No. These are taken care of. Thanks for your interest. (Feb-03-2010)

Q: How were the $7500 of pay day loans paid off in the short time since your early listing that referenced them? Could you please list the balances of each of your current debts, and the interest rates for each? Thanks much and best wishes. - reflective-rupee

A: I was able to arbitrate them down to less than half that amount. These are then taken care of with 401k money I had to cash in. As far as current debts, this loan would not be used toward the car loan ($19,000), mortgage ($143,000), student loan ($6000), or personal loan ($15,000) that I have. These are all set up and paid on time monthly. The $3000 would be used for the following: $1000 - fixing our car $1000 - Dr. bills $1000 - personal loans from friends and family Thank you! (Feb-03-2010)

Q: What lifestyle changes have you made to avoid getting into such a debt mess in the future? Thanks and best wishes. - reflective-rupee

A: Several. My wife and I are taking on more freelance work, cutting out luxury items (coffee/dinner out, entertainment), and living strictly to our budget. I've also received a raise, adding an extra $180 or so to our fixed income per month. We're also getting a secured credit card through our bank to raise our credit rating. Thanks again! (Feb-03-2010)

Q: What Rate would you except? Thanks. - cybercop45

A: I am prepared to accept the 35% rate but would love to get that down a bit. Thanks for your interest! (Feb-04-2010)

Q: Can you explain why you are spending 1200 per month on food and entertainment. We have a family of 4 and can manage for much less when in debt repayment mode? - scout80112

A: Sorry. I thought I had answered this. We spend $250 a week on groceries, pull-ups, diapers, medicine, etc. My daughters both have very specific dietary needs. I put in a $50 buffer just to over-estimate rather than pretend we always spend that much. Thanks for your interest! (Feb-07-2010)

Fixing up rental to reduce debt

Purpose of loan:
Two rental homes that I own are in need of updating. I would like to update kitchen, bathroom, flooring and paint interior and exterior on these homes. I will sell one of the homes after completing the updating work to reduce my debt. Currently mortgage debt is the main thing affecting my credit report and I would like to reduce it.

My financial situation:
2010 Annual Salary: $60,000
Liquid Cash Available: $55,000
I would like to use a loan to pay for the updates instead of using cash that is being kept for any emergency. I am a good candidate for this loan because I have a great full time job as a software engineer at Honeywell / TATA Consultancy Services. My credit score has consistently stayed above 700 for the past 2 years and the history also shows no late payments. Also, for the last six years I have been working to grow a rental property income. Thank you for your time & consideration.

Q: Please list the balances of each of your debts, including mortgages. Please indicate the value of each piece of real estate that you hold (as per zillow.com). Please indicate the interest rates (and if they are fixed) on your mortgages. Thanks much - reflective-rupee

A: credit card1 $6700 credit card2 $10,100 ( will be paid off on of 2/10/2010) credit card3 $6500 ( will be paid off on 2/10/2010 ) Duplex - mortgage $148,000, zillow $153,000, 7.75% 10yrs Interest only home - mortgage $24,000, zillow $98,000, 5.65% 30yrs fixed (Feb-09-2010)

Q: Is this loan to fix-up the house worth $98K with a mortgage of $24K? Thanks - reflective-rupee

A: This loan will be used to for work on both properties. yes. (Feb-10-2010)

Need an new motor for car.

Purpose of loan: This loan will be used to purchase/install a good used motor for my car.
My financial situation: I have steady employment, I am paid well. I just need to recover a little from the puchase of my house in Panama City, Panama. It will be paid in full in November, then I will be able to eliminate my debt.
I am a good candidate for this loan because I have a good job, that I have had for a long time, and I am not asking for much.

Monthly net income: $ 5400.00
Monthly expenses: $ 3200.00
Housing: $ 315.00 rent
Insurance: $ 90.00
Car expenses: $ 300.00
Utilities: $ 75.00
Phone, cable, internet: $ 150.00
Food, entertainment: $ 100.00
Clothing, household expenses $ 50.00
Credit cards and other loans: $ 600.00
Other expenses: $ 0.00

Vacation/Honeymoon

Purpose of loan: Travel
This loan will be used to?take a small trip/ just married and would love to take a small honeymoon

My financial situation: is fair but could be better
I am a good candidate for this loan because?I have worked the same full time job for the last 10yrs not to mention part time on wknds and always pay my bills on time

Monthly net income: $ 3400.00

Monthly expenses: $ 1800.00
??Housing: $250.00
??Insurance: $117.00
??Car expenses: $500.00
??Utilities: $200
??Phone, cable, internet: $100
??Food, entertainment: $150
??Clothing, household expenses $100
??Credit cards and other loans: $350
??Other expenses: $100

Paying off my debts

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

My financial situation:
I am a good candidate for this loan because?
I am working full time and consolidation will make it possible to easily make the monthly payments.
Monthly net income: $ 1800

Monthly expenses: $
??Housing: $ 460
??Insurance: $ 100
??Car expenses: $ 200
??Utilities: $
??Phone, cable, internet: $ 180
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Q: Please describe, in some detail, the stability and nature of your profession, your employment and your employer. Thanks much - reflective-rupee

A: I have been in the private security industry for nearly 20 years and have worked in senior management as well as field assignments. I hold a professional certification (CPP) from the American Society for Industrial Security. At present I work as a Loss Prevention Agent for high-end retail establishments (currently for Gucci). This is an hourly position and I earn $15 per hour. My employer is SOS Security Inc., a New Jersey based company with branches in several states. (Feb-02-2010)

Q: what interest rate are you paying now if you need to consolidate to 36% - loan-volcano

A: Following some huge underpayments from my employer I took out some short-term (payday) loans. Bad judgment, but I expected the underpayment issue to be quickly resolved. It wasn't. We have reached a settlement (it's a class action) but the court must approve it in late March in order for me to receive the money. Although 36% is high, it's probably the best I can do right now and I appreciate the understanding of the prospective lenders. (Feb-08-2010)