remodeling of Bathroom

Purpose of loan:
This loan will be used to? remodel the bathroom, installation of new walls for the shower\tub and the floor.
My financial situation:
I am a good candidate for this?loan due to my past experience with Prosper,I want to refinance my home loan for a lower rate in the near future but cannot at this time.this loan will help build up? my history as well as the value of my home.
Monthly net income: $ 4800.0

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 225.
??Car expenses: $ 300
??Utilities: $ 300
??Phone, cable, internet: $?200
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 600.
??Other expenses: $

Q: Hi there, could you explain the 2 delinquencies in the last 7 years? Also, I am curious about the reason 70% of the 26 payments you made on the other Prosper loan were late. Thanks. - green-rapid-openness

A: I have had 2 unexpected deaths that was the cause of the 2 and the payments all were made on the 10th or th 11th of each month, due to the fact my employer changed when I recieve my paycheck, prior it was every 2 weeks, they changed to only twice a month, the 10th and the 25th of each month. I had a harder time adjusting than i thought. but have adjusted. If you look you will see each payment was made within those days. Thanks Chris (Jun-21-2010)

Needed Home Improvements

Purpose of loan: Home Improvements.
This loan will be used to repair roof, paint inside & outside, upgrade air-conditioner and other minor repairs.

My financial situation:
I am a good candidate for this loan because?I have great credit, pay all bills on time and have a fantastic career (eye surgeon) with great income.

Monthly net income: $ $19,000

Monthly expenses: $ 11,500
??Housing: $ 7,000
??Insurance: $ 250
??Car expenses: $?750
??Utilities: $ 500
??Phone, cable, internet: $ 350
??Food, entertainment: $ 1,500
??Clothing, household expenses $ 290
??Credit cards and other loans: $ 300
??Other expenses: $ 600

Q: Do you have any home equity? Thanks and best wishes. - reflective-rupee

A: That's why I'm applying for this unsecured loan, because there's no equity at this time, not in this current market. Otherwise I would be refinancing or getting a home equity loan. (Jun-14-2010)

Need extra cash on hand

Purpose of loan:
This loan will be used to?

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

Paying off high interest cards

My financial situation: ??


I am a good candidate for this loan because..

.
1. I have a very good full-time job (software engineer) earning?$96,000/yr?


2. My mortgage is only $1400


3. My car paid


4. My wife car is also paid


5. We only have $300 in utilities



i used my credit to help my company and now i want to reduce some interests on credit cards.

i got late in two payments in prosper because it was not automatic to my account, after that happens i got it into automatic

and never happens again.

Trying to finish my basement

Purpose of loan:
This loan will be used for home improvements to my basement. My basement was flooded during the 2009 GA rainstorms and claims were denied with both FEMA and homeowners insurance. I would like a personal loan so I can have the basement completed and regain that space.?

My financial situation:
I am a good candidate for this loan because I have secured permanent employment and have a stable payment history. I prefer to buy things on a cash basis, so a personal loan is the practical option versus financing on credit cards. I make timely monthly payments and pay more towards the principal every month to ensure the loan is paid off sooner. Thank you for your consideration.

Q: 10 delinquencies in last 7yrs. Can you explain? Public please. - radiant-return

A: I was laid off several years ago. During that time, I had several delinquencies but I did not default on any of the accounts. Since that time, I have worked very hard to make sure there are no delinquencies and no late payments on my current credit. (Jun-19-2010)

Debt consolidation - credit cards

Investors,
Below you will find some general information on my situation. Please let me know if you have any questions after reviewing my info.

Purpose of loan:
This loan will be used to pay off my high interest credit cards that have gotten out of control. There are?4 with small balances that add up and it seems that I will never be done paying them off with these higher interest rates. I just keep paying and paying more than the minimum balance each month and the balance goes nowhere.

My financial situation:
I am a good candidate for this loan because within the last 2 years, I have gotten married, bought a house, and paid off my car in full. I have also been at my same place of employment for over 7 years. These actions just begin to show how dependable I am. Monthly net income: $ 4,000 +

Monthly expenses: $
??Housing: $?900
??Insurance: $ 141
??Car expenses: $ 0
??Utilities: $ 242
??Phone, cable, internet: $ 300
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ out of control with the interest rates

Please trust in me with a bid on my loan. Thank you for your time.

Q: Does your significant other help with monthly payments or are the other half of household debts in his/her name? (credit cards, personal loans, student loans, auto loans, home rent or car leases, mortgage payments, etc.) THANKS! - SmartConsolidation

A: Yes, my wife pays half of household expenses; such as the mortgage, utilities, security system and phone. I don't have any personal loans, no student loans or auto loans left. (Jun-14-2010)

Q: What is the total amount owed on credit cards between you and your spouse? Also, what are the interest rates and minimum monthly payments?.....Thanks! - SmartConsolidation

A: The total amount of credit cards is about $7,000 between the both of us. The smaller cards have gone up to 24 - 29% in interest due to changes mailed to us in the statements. citibank and bank of america are the worst (Jun-14-2010)

Helping with Medical Bills

Purpose of loan:
This loan will be used to?My Daugther in Law recently gat diagnosed with Breast Cancer, my Son has lost his Job abaut 3 Months ago, and now the have no Income , and no Healtinsuranse,? I like to help out with a little bit of there Bills,?1000 Dollars is not a lot but it sure will help? a lot rigth now with the medication.....?

My financial situation:
I am a good candidate for this loan because?I do have a Loan with you allready, and have never missd a Payment, This Loan was a blessing and i Thank you very much, i will have it payd off soon?

Monthly net income: $ 2800

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

Graduated, hired, and moving!

Purpose of loan: I have recently received my doctorate and have been hired into my dream position.? Until that job starts (Aug-1), I have been hired through the summer by my current school as a researcher.? I want to make sure that my move goes smoothly, and after six years of living on a student stipend and profits from my stamp business, I need help with liquidity issues in moving:? paying security at a new residence while my currently security is being refunded, waiting for my first paycheck at my new job, waiting on pending reimbursements from my current job, and waiting on moving reimbursements from my new job.? By the end of the year, much of this loan might be paid back, but I want to have a cushion when I move.

My financial situation: I have weathered one of the worst financial climates in this country's history without ever missing -- or even being late -- paying for any bill or loan payment.? I did this while being in school and running a little internet stamp dealership.? My debt/income ratio isn't calculated here because my income is changing as of August 1 to $50K per annum from $31K.? My financial situation keeps improving each year, and I intend to keep it this way.

Monthly net income:
$3,500 starting August 1; June and July $2,120

Monthly expenses:
Total: $1,910
?? Housing: $1000
?? Insurance: $
?? Car expenses: $
?? Utilities: $ 90
?? Phone, cable, internet: $220
?? Food, entertainment: $250
?? Clothing, household expenses $50
?? Credit cards and other loans: $300
?? Other expenses: $

Q: Why is your DTI not calculated? Thanks. - interest88

A: Hi, thanks for asking. Prosper cannot calculate this ratio without verifying my income from W2s or other records. However, my income increases to $50K on August 1, so I do not yet have records for that change. Cheers. (Jun-17-2010)

Q: What is your plan for being able to cover the payment for this loan and your other one during July, and possibly August while all this stuff is getting sorted out?? Thanks, and Good Luck! - proton346

A: Hi, thanks for asking -- sorry I didn't clarify that earlier. I do have some savings, and I am getting paid from my university at the moment ($2,100 per month). Also, I do not have to pay my last month's rent here, which adds another $950 to my savings this month. So I can make the Prosper payments for the next few months OK, but it's the security deposit and other large moving expenses that have me worried. Thanks! (Jun-20-2010)

Q: What kind of scientist are you? - proton346

A: Hi -- I'm a biologist; molecular evolution. Cheers (Jun-20-2010)

My Loan

This loan if for a surprise gift vacation for my girlfriend. We have been talking about this trip to Europe for sometime now. Now I want to surprise her on our 5th year anniversary.

I work for a software development company and I am the Director of product development with a team of 75 members.

I have been with this company for last 9 years and has grown personally with the company. I have a steady income and my credit rating is excellent. I never default on my payments on anything.

Hope this helps the lenders to qualify my application and make an informed decision.
Thanks.