Debt Consolidation/2nd Loan LowRisk

Purpose of loan:
This loan will be used to pay off several bills that inturn would save me money monthly:
1)This new Prosper loan would be used to pay off my current Prosper loan with a balance of $2068.04 and a monthly payment of $271.68.
2)To pay?a credit card balance I currently have with Bank Of America with a balance of $1500?with a?monthly payment?of $120.
3)To pay off my current auto loan, I currently owe $3900 remaining with a payment of $489.12 per month.
I pay currently?$880.80 in monthly payments for the bills mentioned above. After paying off the bills with this new Prosper loan,?my monthly payment would then be around $301.00 for the new Prosper loan?so a difference of about $579.00 a month in payments that I would save.

My financial situation:
I am a good candidate for this loan because as my credit reflects I have had no delinquencies, inquiries, or anything negative?on my credit report. I work hard at keeping good credit. I pay on time every month with regards to my financial responsibilities.You can also look at my current Prosper loan, I have never missed?a payment.?I?have my current Prosper monthly payments automatically debited from my checking account, which I will do with this new Prosper loan if funded. My current prosper loan payment of $271.68 is slightly lower than the estimated new payment of $301.00 that this new loan would be, so my past payment history will show I have had no trouble in making my current loan payments, so I will have absolutely no problem in paying back the new loan, yet saving me about $579.00 per month. I?also am very fortunante to have a stable job and stable income.

Monthly net income: $ 3600

Monthly expenses:?$2463.92
??Housing: $ 563.12
??Insurance: $ 150.00
??Car expenses: $ 489.12
??Electric: $120.00
??Phone, cable, internet: $100.00
??Food, entertainment: $ 350.00
??Clothing, household expenses $200.00
??Credit card and?Prosper loan: $391.68
??Other expenses: $100.00

Q: What is the makeup of your $18k in revolving debt? Details please... - jaesposito

A: I co-signed on a loan for my wife for $14,000 w/ Beneficial as she did not have established credit at the time.She makes all payments on the loan so I did not include it in my expenses,but it shows up on both credit profiles.We also have a JCP card $987 that both our names are on but only she uses and she pays for herself .The other $3000 is for my BOA credit card, but I paid $1200 on the balance 2 weeks ago but it has not updated on my credit report yet so I only owe $1800 now on it.Thank You (Nov-06-2010)

Paying off my credit cards

Purpose of loan:
This loan will be used to pay off high interest credit cards

My financial situation:
I am a good candidate for this loan because I am honest and pay my bills on time.

Monthly net income: $ 2,940

Monthly expenses: $
??Housing: $ 1,400
??Insurance: $
??Car expenses: $
??Utilities: $ 100.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $

Replace Electrical In Rental

Purpose of loan:
This loan will be used to replace all electrical wiring in a foreclosure that I bought with my husband

My financial situation:
I am a good candidate for this loan because? I have never defaulted on a loan.? I have a steady job as a banker and? the property will be generating a gross income of about $900 once we have renters.?

Monthly net income: $ 500

Monthly expenses: $
??Housing: $ none( husbands salary pays for mortgage)
??Insurance: $? ( none husbands salary pays for insurance)
??Car expenses: $ ( none cars paid for)
??Utilities: $? ( husbands salary pays for utilities)
??Phone, cable, internet: $ ( husbands salary pays for phone etc)
??Food, entertainment: $ 500
??Clothing, household expenses $ ( husbands salary pays for house expenses)
??Credit cards and other loans: $ 85
??Other expenses: $ ( none)

Pay off the Credit Cards

Purpose of loan
Pay off my credit cards.

My financial situation:
I pay my bills on time and have a good job.?

Monthly net income: $
6000
Monthly expenses: $
??Housing: $ 1200
??Insurance: $ 150
??Car expenses: $ 428
??Utilities: $ 150
??Phone, cable, internet: $?150
??Food, entertainment: $ 300
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 400
??Other expenses: $ 150

Q: You're showing a current delinquency of 1,961. Please explain - thanks! - minnesotafinancial

A: Hello, This is from my daughter's college apartment. She withdrew 1 day late and they charged me 3 months rent. I disputed and finaaly got a settlement with them last month. It is scheduled to be removed from my credit file this month. Thanks. (Nov-02-2010)

Getting out of Debt!!

Purpose of loan:
This loan will be used to? pay off one of my higher rate credit cards.

My financial situation:
I am a good candidate for this loan because? I have never missed a payment on any loan of any kind. In fact I am kind of paranoid when it comes to making sure my bills are paid on time. Just ask my wife. I am hoping to not end up with the suggested interest rate. Hopefully it will be something pretty low, since I have never paid a high interest rate before other than what are on the credit cards, which I don't really have a choice with in most cases. I understand that is shows a much higher rate than what is on my credit card, but this is my first time using prosper as a borrower, and just went with what it suggested. My interest rate on the credit card is around 22.00%.

Monthly net income: $ $3,000 + since it is commission. I usually get no less than the $3,000 per month

Monthly expenses: $
??Housing: $1540
??Insurance: $
??Car expenses: $0
??Utilities: $100
??Phone, cable, internet: $40
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $350
??Other expenses: $

Q: Hello, it looks like you have more than 1k in debt, will this loan help you that much? Thanks! - motor764

A: Yes, I do have more debt than just the 1k I am looking for. I have never used prosper as a borrower before so I just wanted to start out small. This 1k will actually pay off one of my cards with a higher rate. This way I can prove myself through prosper as well as paying off a higher rate card, before I move on the next one's. So, yes, this loan will help me. I would like to continue using prosper but in order to get decent rates you have to have the history with them, and this will do that (Nov-08-2010)

Helping others on Prosper

Purpose of loan:
This loan will be used to fund loans on Prosper and help people who I feel need some help getting the loan they need and deserve.
Right now I have helped fund over 120 loans, most of them have an HR rating. I am proud to say that almost of them are current (all except 2)? In my spare time I search for people I feel deserve a 2nd chance with their credit and need a loan for a good cause, it has become a hobby I enjoy very much.

?But even though I'm helping people it is nice to earn a return on my money at the same time. (I am averaging better than 20% return on the loans Ive funded)

Getting back on track

Purpose of loan:
This loan will be used to repair some plumbing and winterize the home to prevent major cost down the road.

My financial situation:
I am a good candidate for this loan because I am very secure in my career and have high values in paying off my lenders.

Monthly net income: $? My household income is $6,722 net after combination of both mine and my spouse

Monthly expenses: $
??Housing: $?1500.
??Insurance: $ 206.
??Car expenses: $ 298.
??Utilities: $ 300.
??Phone, cable, internet: $ 200.
??Food, entertainment: $ 400.
??Clothing, household expenses $ 50.
??Credit cards and other loans: $ 1500.
??Other expenses: $

paying off my credit cards

Purpose of loan:
This loan will be used to pay off my debt

My financial situation:
I am a good candidate for this loan because i have paid everything on time the only reason it says high risk is because of the credit cards when i looked at my credit score it was 700

Monthly net income: $

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

Military-2-Military has bid a total of $25.00 in winning bids.

Q: Hi. Why did you originally want to borrow 5,000 dollars, then slowly back off to this 1000? Your revolving debt doesn't seem to indicate you needed $5000. Tell us more and you'll probably do better at funding a loan. - pine643

A: i changed it because i knew there was no way i would get 5,000 or 2,500 i have two credit cards out if i could just pay off a little bit of then i would be good. on those other loans they were not getting fully funded i know i had no chance of getting them. the only reason i want pay off at least a 1000 is im getting ready to deploy and i want to get rid of as much as i can (Oct-28-2010)

Buying Vehicle to commute

Purpose of loan:
This loan will be used to help purchase a vehicle with my fiance so that he may go to school in another city. We are looking to get something small, good on gas and reliable since he will be needing to commute about 50 miles monday-friday, he is going to school to become an airplane mechanic. I am also going to school part time right now for nursing, and at the moment we only have one reliable vehicle; my school is conviently in town.
My financial situation:
I am a good candidate for this loan because I have a stable job and?a safe and stable living enviroment. I live with my fiance and he and I both have full time jobs, his is a full time security guard and I am a full time receptionist for a car dealership. Im a frugal spender and together we're both "tight-wads" but we get things done.
Monthly net income: $ 3800

Monthly expenses: $
??Housing: $ 500
??Insurance: $ 50
??Car expenses: $ 60
??Utilities: $ included in rent
??Phone, cable, internet: $?phone N/A, cable included in rent, internet?$25
??Food, entertainment: $?00
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 45
??Other expenses:? pets $20, gym $40

Repair leak in roof

Purpose of loan:
This loan will be used to repair a leak in roof?

My financial situation:
I am a good candidate for this loan because I repay my bills on time?

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 1300.
??Insurance: $ 100
??Car expenses: $ paid off
??Utilities: $ 150.
??Phone, cable, internet: $ 60
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 100

Pay Off Medical Bills, Credit Cards

Hello, I am asking for this loan to pay off my medical bills and very high interest credit card.? I am a cancer survivor.? I am a hard worker, and have been at the same employment for almost 12 years.? I am also looking for a part time job.? I have about $2,000 in medical bills I would like to pay off and a very high interest card to pay off.? I make a steady monthly income of 1740.00 a month.? My rent is 650.00, my credit card payment is 350.00 per month, and a few low cards that I am working on paying off, plus I have?the usual utilities and gas expense.? With this loan I can pay off the medical bills and high credit card and have just a little for Christmas.? I am not perfect and have made mistakes in my life, but am re-building and trying to get a fresh start.? I am hoping that you can help me achieve this. Thank you so much for this opportunity for help and God Bless you all.

Purchasing engagement ring

Purpose of loan:
This loan will be used to?
purchase an engagement ring.
My financial situation:
I am a good candidate for this loan because? I am responsible enough to understand that taking out a loan is a serious financial undertaking, and I am responsible enough to ensure that I am making my repayments on time. After?I have paid all of my monthly bills, including the?often overlooked "everyday" expenses, I have at least $700-900 that I?am able to save. This will provide an ample flow of income to make all of my payments on time. Taking out this loan will definitely help me in the short term, but I am not doing so out of necessity; this loan will also build my?credit. It would be a win-win for both?the lender and myself.

Startup Security Guard Company

Purpose of loan:
This loan will be used for the initial cost in the startup of a security guard company.? This entails licensing, insurance, bonding, certifications,?IT infrastructure,?advertisment, and uniform customization.? ?

My financial situation:
I am a good candidate for this loan because I not only want to startup up a security?company, I want to continue to live out the passion I have to serve and protect.? Having served?24 years in the?United States military. I now would like to continue my service by guarding and protecting the assets of my customers.? My passion for security began 22 years when?I was a security guard in the?Marine Corps guard U.S assets and personnel in Embassies and Counsulates all over the world.? Since then,?my interest and skill in security?have grown.? I?have a deep background in personnel security,?physical security, and information security.? I have a?Bachelors degree in Business Management and a Masters degree in Information Systems?Management.? I have also surrounded myself with a?top notch professionals?with over?45 years of security guard experience, most notably one?who once lead the?detail that?protected the former Secretary of Defense William Cohen.??

I am a very frugal and careful manager of money.? These funds will only be used for getting the necessary requirements for beginning work.? The facility lease and salaries will only come once an adequate contract is acquired

Monthly net income: $ 130,000 (120,000 Booz Allen Hamilton; 10,000 U.S. Navy Reserves)

Monthly expenses: $ 6790
??Housing: $? 3000
??Insurance: $ 450
??Car expenses: $ 100?
??Utilities: $?750
??Phone, cable, internet: $ 240
??Food, entertainment: $?800
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 750
??Other expenses: $ 500

Q: More a starement then a question, do you have the time for the loan you need? if so, maybe bust this loan up in 2 or 3 smaller loans and maybe at a lower rate on one or maybe al end the endl, and less loans start and end on or around the weekend, bye - T-L-B

A: If I understand correctly, you are stating that if I request smaller loans I will get a lower rate on one or all of them and if I do this today I can get them by this weekend. So if I pull this loan back and submit smaller ones I can get the money I need by this weekend? If that is what you were stating, I would be interested. Please advise how to do so. I am a novice to the process here. Thanks (Nov-03-2010)

Q: That would be correct, smaller loans set out to bid have a better chance of getting the rate bid down, and when put up for bid on sunday, monday have a better chance being fully funded days before last day for bid over, good luck Tim - T-L-B

A: thanks tim.... I will give it a try (Nov-03-2010)