Paying off my credit cards

Purpose of loan:
To consolidate credit cards

My financial situation:
I have a steady job

Monthly net income: $
4147
Monthly expenses: $
??Housing: $ 590
??Insurance: $ 161
??Car expenses: $ 469.00
??Utilities: $ 80
??Phone, cable, internet: $ 99
??Food, entertainment: $ 240
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400.00
??Other expenses: $ 400

Buying a trailer and consolidating

Purpose of loan:
This loan will be used to buy a trailer and to consolidate debt.
My financial situation:
I am a good candidate for this loan because I have the ability to pay back with no problems and I am building equity that can be sold.? I make all of my payments on time.

Monthly net income: $ 2500.00

Monthly expenses: $
??Housing: $ 150
??Insurance: $ 75
??Car expenses: $ 300
??Utilities: $ 150
??Phone, cable, internet: $ 40
??Food, entertainment: $ 100
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 30
??Other expenses: $

Q: What will you do with the trailer? Thanks and best wishes. - reflective-rupee

A: I am going to use the trailer to haul the things that I need for work. (May-20-2010)

Divorce & Pay-Off Loan

This loan will primarily be used to handle?attorney fees and relocation assistance?for a sudden?divorce proceeding. This loan covers 1.5 times the entire cost amount quoted by the lawyer's office for the scheduled divorced proceedings, with?a little left over to be used for unexpected fees, court costs, initial child care expenses, and relocation assistance. The majority of the loan will initially be put directly into an escrow with the attorney's office to ensure proper regulation of all amounts taken from the total. Leftover amounts will be placed towards relocation fees, initial child care fees, and to cover costs associated with separation of possessions and court costs of property and financial recovery. This will be kept separate from my primary accounts in an interest-free savings account. Any requests for specifics (receipts, etc.) will be provided upon request.

For those concerned, the reason for this loan is for the good of my children, not myself. I am placing a stable home and future for them ahead of any comfort or desire of my own. I am asking for this loan to ensure that all ongoing actions are resolved completely, quickly, and without harm to their daily lives. Their livelihoods come before my credit score, and any amount not needed will be returned to the loan originators. I am not asking for any more money than is absolutely necessary.

My financial situation:
I am a good candidate for this loan because I maintain and keep up to date on all bills, all moneys owed, and any personal expenses. I do not spend exorbitantly, I keep my spending in check, and have been increasing my credit score while keeping household costs to a minimum. I would rather live lean than to be "in hock" on costs I owe to others.

Q: thank you for the reply; so your net monthly income is around $4,100. Now see my page please, and put all these data in the Q&A box for lenders to see. good luck - Tono

A: Average monthly gross income: $4,160 (May-27-2010)

Consolidate 2 high Interest loans

Purpose of loan:
This loan will be used to? pay off our American General and another Finance company balance.? Will also lower our monthly outgo by doing so.

My financial situation:
I am a good candidate for this loan because? we have longtime solid employment at the same companies.? We have never been late on any payments on any accounts ever.? We make a combined $188,000 a year.? We also paid off a previous Prosper loan last year early, with no late payments ever.

Monthly net income: $ 4800 (me)? PLUS $4000 (husband)= $8800.00/mo income

Monthly expenses: $ 5468 total
??Housing: $ 2100
??Insurance: $ 138
??Car expenses: $ 1100
??Utilities: $ 400
??Phone, cable, internet: $ 130
??Food, entertainment: $ 700
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $ 200

Q: With your income level, you could payoff current loans in no time. Why do you want to take loan? Thanks for taking my question. - cybercop45

A: Thank you for your inquiry. We chose to apply for this loan to pay off 2 particular debts as you saw. The reason we did this is that we want to keep our "safety pad" of money savings healthy for any emergencies or economic downturns. Thus we don't want to empty our supply of savings cash on this. We feel the expense of paying some interest outweighs reducing our safety pad of Savings cash. I hope this answers your question satisfactory. Thank you. (May-27-2010)

My loan for debt consolidation

This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.

Q: What are your monthly expenses (rent/mortgage, car, utilities, any CC debt/loans remaining, insurance, phone, internet, food, gym, childcare costs)? Thank you!! - DasMula

A: rent-$615,car-$394,utilitis-$150,CC-$6471($269 monthly for 8 cards)/Loans-$4500($255 monthly for 1loan),insurance-$72 monthly auto.personal-$101monthly,phone-$60,internet-$60,food-$200. (May-24-2010)

Q: Please list the debts you are consolidating (lender, balance, APR and current monthly payment made)? Thank you!! - DasMula

A: 8 medical bills/no interest= $1950@$300monthly,1 CC=$390/APR 29.99%,1CC=$240/APR 20.15%. Total is $2580.00. THANK YOU FOR CONSIDERING MY LOAN REQUEST! (May-24-2010)

Payoff Payday Loans

Purpose of loan:
This loan will be used to? payoff all my payday loans and work on paying down my credit card debt.
My financial situation:
I am a good candidate for this loan because?I will not default. I am paying over $1000.00 per month in payday loans and getting no where. If I could get these paid off I would be able to start making larger payments to my credit cards and get them paid off. My goal is to keep moving toward financial freedom. Currently I am not able to get anywhere with the payday loans, I just have to keep refinancing (it's been my biggest mistake ever). This loan payment would be easy to make (and probably extra to principal so I could pay off quicker). My finance situation would improve tremendously for the better.

I take my obligations very seriously. I appreciate anyone taking the time to review my situation. If you have any questions, please let me know.

Also I am not past due the $1074 my mortgage company miss applied a payment. They said they would correct. My credit is still good, my debt/income ratio is too high. Getting this loan would help me improve that greatly. Thank you.

Monthly net income: $ 1998.44

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

Q: To help us understand your financial situation can you summarize your expenses? - GetLoan

A: If you mean my monthly expenses, yes. Our monthly expenses are around $3000, my husband pays all the "regular bills" like; mortgage, truck payment, water, etc. My salary is used for groceries & credit card bills. (May-26-2010)

My personal loan for my business

This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.

Q: What exactly is the loan for and how will your business benefit? Thanks! - proton346

A: I plan to use the proceeds to reinvest in Prosper. (May-31-2010)

My loan for debt consolidation

This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.

ready to invest

Purpose of loan:
to reinvest in prosper

My financial situation:
I am a good candidate for this loan because? I want to build my investments in prosper and take my debts very seriously. I have used just under $3,000 dollars to invest in prosper so far havent made alot of money just been breaking even but looking forward to trying to get some better investments.

Monthly net income: $ 2000????????

Monthly expenses: $
??Housing: $ 800
??Insurance: $
??Car expenses: $ 50
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 240
??Other expenses: $

JGuide has bid a total of $101.99 in winning bids.

"Lendersclub Group member with more invested in Prosper than he is asking for! With a name like HopHead who wouldn't want a piece of this listing!"

Q: How are you going to make money borrowing at 20%+? - smarva

A: well I'm hoping my loan gets bid down to some where close to 10% if it stays above 20 maybe I will use it to pay on a credit card! (May-25-2010)

Q: I see your revolving credit balance is just over $30k. What is your interest rate on those loans? I am just confused as to why you would take out another prosper loan to reinvest, rather than paying on debt. Please answer public. - benefit-javelin

A: Ive been paying down my credit debt each month. I do plan on taking out a loan from prosper in the future to pay off most this debt how ever i thought it would be good to take out a few smaller loans first to show a good pay history so i can take out a larger amount down the road (May-25-2010)

Cashing Out!

My Prosper account value is $1350.? As in my previous loan, it's just easier to get a lump sum...and pay off the lenders as I accumulate cash from the loans I've funded. Payment History:
Loan 1....14 billed payments?? The one "less than 15 days late" had to do with a Prosper error, which I had them immediately correct.
Loan 2....I made a monthly payment as soon as I had enough accumulated cash in my account.? This took about 5 months (1/10-5/10). I was always "ahead of schedule" so I was never actually billed for any payments. I intend to do the same for this loan...but since many of my loans were paid off, it should take a longer time for me to pay you back.

Q: How long do you estimate it will take to pay off this loan? 2 years? 3 full years? 1.5 years? - Lender25

A: I plan to pay with the cash I get from my Prosper portfolio. But it has significantly decreased since the last loan. In addition, I'm trying to sell the notes that I can. There may be some "large" payments the first few months...and then possibly only one payment per month. If I had to estimate, I'd say 2 years. Definitely more than a year. The only reason I would paid it off early with "other funds" is if there's a major change in my life (not expecting any changes...but life happens) (May-26-2010)

Paying Medical Bills/Car repairs

Purpose of loan:
This loan will be used to?

The purpose of this loan is to primarily pay off medical bills my family has accrued due to my recent unemployment.? In addition, a portion will also be used for some neccissary vehicle repairs needed on our family's mini-van. This loan will allow me to bridge the gap in my budget as I am recovering from the loss of income.
I am a good candidate for this loan because?
I have been blessed with a great new job in a industry that is solid and growing.? Now that my training phase is complete, my income is rapidly increasing as I gain new business.? With in the next month, I will began to see additional commssion income based on the accounts that I have developed since I started.
Monthly net income: $
5500
Monthly expenses: $
??Housing: $ 2000
??Insurance: $ 150
??Car expenses: $?200
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 800
??Other expenses: $ 200

Q: Please describe your new job, industry and employer in some detail. Thanks and best wishes. - reflective-rupee

A: I work for a major national bank in the merchant services division in the community bank group. I work with my assigned banks merchant clients that are referred to me by their banker. The most common product I set up is credit/debit card processing. Our merchant services division in in the top 3 in N. America. (May-25-2010)

Q: Please explain the large current delinquency shown in your Prosper credit profile. Thanks much. - reflective-rupee

A: During my unemployment I had fallen behind on my mortgage. This has been fixed and I am now current. (May-25-2010)

Q: See my page please. thank you - Tono

A: Thank you for the heads up. (May-30-2010)

Enjoying the trip!

Purpose of loan:
This loan will be used to?further invest in my small business.

My financial situation:
I am a good candidate for this loan because?my small business endeavor is growing fast.

Monthly net income: $3500????

Monthly expenses: $
??Housing: $ 0????
??Insurance: $130
??Car expenses: $600?????
??Utilities: $ 150
??Phone, cable, internet: $200
??Food, entertainment: $ 450
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 50
??Other expenses: $ 200

Q: Hi, What type of business is this? Do you have a website? Best of luck on your future endeavors! - Mr-Miracle

A: I've invested in a business opportunity and simply need more capital to work with in order to openup a store. We have been working this business since January and. Have already sold.6 systems in 3 states. We know people who have opened stores and are already selling between 5 & 10 machines per month. Our websight is www.h2origin.com/superhydrated. My wife runs the business from our home at this time. I work a fulltime job in the oil industry with 10 years of work lined up. (May-28-2010)

First Prosper Loan - Please Review!

Purpose of loan:
I am aiming for my first fully funded?Prosper loan.?? The?primary purpose is to do the following:

1.? Complete my first successful loan with Prosper and to establish myself as?reliable and trustworthy.?
2.? My interest rate on a credit card recently jumped up to 24%?? I plan on taking part of this money to lower that balance.?? This will reduce my credit card utilization ratio,? any remainder will be paid directly back to prosper.

My financial situation:
I am a good candidate for this loan because I have a stable job and make every attempt to pay my bills on time.?? I am actively attempting to get out of consumer debt all together

Monthly net income: $ 2300

Monthly expenses: $ 1355
??Housing: $ 600
??Insurance: $ 110
??Car expenses: $ 300
??Utilities: $?50
??Phone, cable, internet: $65 ?
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 100

Q: What type of work do you do and how much of this $1K loan would you use toward CC debt. Please answer publicly - XCWIZ007

A: Hello. I work as an auto liability claims adjuster for a property & casualty insurance company. The funds will be used towards a mastercard with an apr that has shot up to 24.99% recently. The balance is around 1800. I requested 1,000 only to establish myself as a good prosper recipient. when this loan is repaid, I may wish to consolidate further. Small steps at this point, as this is my first loan. (May-31-2010)

My loan for debt consolidation

This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.