Investment Business

Purpose of loan:
This loan will be used to fund my semi-initial entry into the Forex market. I have already personally invested over $4,000 to start myself off. I plan to have this loan paid off within one fiscal year. Your support is appreciated and I look forward to doing business with you.

My financial situation:
I have steady income from the military and will be coming upon roughly $14,000 within 6 months from now. I am pursuing Forex immediately as I have a very strong strategy that yields low gains but yields them roughly 50 times a day.

Monthly net income: $ Roughly $4,000.

Monthly expenses: $
??Housing: $ 100
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 0
??Other expenses: $ 200

Climbing out of Debt

Purpose of loan:
This loan will be used to? Pay off?credit cards.? I've already cut them up so no more charges will occur.? I plan to pay off the credit cards, then this loan to help increase my credit rating.?
My financial situation:
I am a good candidate for this loan because? I have been at my job for over 15 years.? I have stable employment and steady income.? I've lived in my home for over 7 years and am very active in my community.? I have lived in my community for over 20 years.

Monthly net income: $ 2330.00
Monthly expenses: $
??Housing: $?1525.00
??Insurance: $ 275
??Car expenses: $ 275
??Utilities: $ 60
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 300.00
??Other expenses: $ 150.00

home loan

Purpose of loan:
This loan will be used to fix a few things around the house

My financial situation:
I am a good candidate for this loan because I always pay on time and never miss a payment?:)?

Monthly net income: $4200

Monthly expenses: $
??Housing: $ 2000
??Insurance: $
??Car expenses: $
??Utilities: $500
??Phone, cable, internet: $?34.99
??Food, entertainment: $?400?
??Clothing, household expenses $ 100
??Credit cards and other loans: $?200?
??Other expenses: $

Consolidating Business Startup Debt

Purpose of loan:
The purpose of this loan is to consolidate some business debt I have from real estate investing courses I took to help start my business. I was originally going to transfer this balance to another credit card however there are no transfer options for any of my cards available at this time. Currently I am only paying 2.99% but this period is going to run out in January and my interest rate will go up.

My financial situation:
I am an excellent candidate for this loan because I have never missed a payment on any loan or credit card. I am a federal auditor so my job is very stable in this economic climate. My business is just now starting to make money and I will have added income from this.

Monthly net income: $5,680

Monthly expenses: $3,491
??Personal Residence: $713
??Rental Unit: $454
??Land: $574
??Insurance: $Paid in Full Annually
??Car expenses: $0
??Utilities: $150
??Phone, cable, internet: $150
??Food, entertainment: $150
??Clothing, household expenses $100
??Credit cards and other loans: $300
??Other expenses: $900

Putting in New Floors

Purpose of loan:
This loan will be used?to help me put in new floors at my condo.? My current flooring is horribly old?and is starting to feel like sandpaper.? Obviously that doesn't?make for a?cozy environment.? I have some?great wood flooring picked out that is a little beyond my price reach...hence why I am here.? Thank you for considering my loan.?

My financial situation:
I am a good candidate for this loan because I have been employed continuously for nearly 6 years (since I left college) and have spent nearly 5 years at my current company and was even recently promoted into a management position.? I have never defaulted on any debt and can easily make the required payment.

Debt Consolidation

Purpose of loan:
This loan will be used to consolidate smaller credit balances into one payment, to pay them off quickly over three years.? Also, to improve my credit rating and my Prosper rating.

My financial situation:
I am a good candidate for this loan because I have been employed in the pharmaceutical research industry for the past 12 years.? I have a nursing background (and am therefore never out of work!) and have recently accepted a management position that allows me to work from home. ? I have never defaulted on any debt and can easily make the required payment for this loan.

Monthly net income: $ 6133.00

Monthly expenses: $ 4445.00
??Housing: $ 1650.00
??Insurance: $ paid by company
??Car expenses: $ 620.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 115.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 220.00
??Credit cards and other loans: $ 1220.00
??Other expenses: $

paying off some loans

Purpose of loan:
This loan will be used to?
Pay off some debt that I have incurred over the holidays that need to be paid asap?
My financial situation:
I am a good candidate for this loan because?
I have never been more than 30 days on anything. I am that kind of person that makes sure I get payments made. My mom always says that if she had a million dollars she would loan it to me because she knows I would worry until I got it paid back. I wish you truly knew me so you would know what kind of a person and a reputation that I have.? My sister recently told me she would co-sign on a loan for me for 40,000 (which I did not do), because she to knows what kind of a person that I am. I have a large closing on Jan. 10, if it makes you more comfortable I can even pay the money back then.
Monthly net income: $ my husband and I average about 10,000 a month.

Monthly expenses: $
??Housing: $ 1200 which includes insurance
??Insurance: $
??Car expenses: $ 600.00 which will be paid in full in March 2011
??Utilities: $?200
??Phone, cable, internet: $ $200
??Food, entertainment: $ $600
??Clothing, household expenses $ 200
??Credit cards and other loans: $?$700
??Other expenses: $ camper which is 181 a month

Q: Please tell us more about the astronomical amount of revolving credit you have. What is the average interest rate on those loans? - Income-Scout

A: I have a line of credit instead of a mortgage on my home, We are doing the "Truth in Equity" program. It allows you to pay your mortgage down quicker. The interest rate is 4.25 and you can check this program out at Truth in equity.com (all one word of course) We are doing everything we can to become debt free and this program is helping us to do that. (Dec-30-2010)

Q: Please explain your $350K of revolving debt. Thanks and best wishes. - reflective-rupee

A: this is for our mortgage. We have a line of credit instead of a mortgage. We are doing the truth in equity program (truth in equity.com) This allows us to pay our mortgage down quicker. we are doing everything we can to become debt free. If you will loan me the money I can even pay it off in January if you like (if it makes you more at ease) I will be getting a large commission check on the 10th. That is up to you! Have a happy New Year! (Dec-30-2010)

My loan for debt consolidation

Purpose of loan:
This loan will be used to? pay off my existing credit card debt and help cover my moving expenses.

My financial situation:
I am a good candidate for this loan because? The Prosper rating of D is because I had only one delinquent credit card payment (paid?only a few?days late) in the last 2 years, which resulted in Bank of America unjustly dropping my $30,800 and $20,800 credit lines each down to $500 overnight, which?consequently dropped my credit score (then around 770+)?over 100 points.?

Monthly net income: $2,118

Monthly expenses: $
??Housing: $ 595
??Insurance: $ 94
??Car expenses: $ 0?
??Utilities: $ 100
??Phone, cable, internet: $ 61
??Food, entertainment: $ 200
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 50
??Other expenses: $

I live very frugally and have few monthly expenses.

Pay off 401k loan

Purpose of loan:
This loan will be used to?

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

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: $

Q: Please describe your job. Thanks and best wishes. - reflective-rupee

A: I have been employed with Church & Dwight Co., Inc. since 4/1/2001. Started as a Customer Service Rep and have worked my up through various positions. I am currently Sr. Transportation Analyst in the Logistics department, a title I have held for about two and a half years now. In addition to various reporting duties (on-time, case fill, etc.), my postion requires me to search for different ways in getting our product from point A to point B in the least cost/most effective/sustainable manner. (Dec-28-2010)

Q: Please provide your net income and monthly expenses. good luck. - ethicalhumanist

A: Net income = $1,871 Expenses = Rent - $1200, Car (3 more months) - $225, Cell phone - $109, Electricity - $80, Cable/Internet - $169, Student loans, $130, credit cards - $55, gas - $200, food - $400. Total - $2568 Current 401K loan I took out for my wedding 3 years ago comes directly out of my paycheck...so my net income is already minus this amount, and therefore I did not include it in the above expenses. (Dec-28-2010)

Q: Please explain your deliquency. - loss-of-control

A: Deliquency was on a car I purchased about 9 years ago. I feel behind in the payments and it had to be repossesed. The car was sold and I paid the difference of the sales price vs. what I owed on the car through a garnishment of my wages. This has been satisfied for over 3 years now and I still continue to try to have it removed. (Dec-28-2010)

Q: What is the $315 delinquent amount about? - RecoveryLender

A: This is a dentist bill that I have just recently paid off with monies received as gifts for my birthday (last week) and the holiday. (Dec-28-2010)

Q: It looks like your expenses are more than your net income. Can you explain how you plan to manage that? - responsible-worth113

A: My apologies. I now see that I only entered a single pay as my net income. I get paid twice a month...so my actual net income is $3742. (Dec-28-2010)

Home Improvements

Purpose of loan:
This loan will be used to fix some "settling" cracks in our walls, paint and replace flooring. Our home is 12 years old now and is showing a few signs of wear and tear (our home is typically the hang out for our sons' friends to watch movies, eat popcorn and drink pop)....so we call it "extra loved". We plan to keep our home for years to come and want it to be in good condition.

My financial situation:
I am a good candidate for this loan because we are stable people. Both my husband and I have been at the same jobs for over 18 years and have always lived in the same general area (although in this particular house for 7 years 3 months). We intend to remain in this home and keep our same jobs for many more years. My job is stable as I am the only 7-12 special education teacher in my building. My husband is a command sergeant major with the National Guard. He has been with the National Guard part-time since 1983 and has worked full time for them since 1990. We have had some bumps in our financial road, but since his last deployment, we feel that we are really on track financially (and plan to stay that way).

Monthly net income: $ 4161.93 (mine) and $1830 (for my husband + his extra-duty pay which ranges from $600-$1000 net per month extra)

Monthly expenses: $ 5265.00
??Housing: $ 1250.00
??Insurance: $ 230.00
??Car expenses: $ 1500.00
??Utilities: $ 225.00
??Phone, cable, internet: $ 360.00
??Food, entertainment: $ 600.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 300

Q: Can you please provide: 1. The total mortgage balance (including 2nd/heloc) on you home 2. The market value of your home (use zillow.com if unsure) - kindness-launcher

A: 1. $181415.44 2. I am unsure; however, the home across the street is listed at $214,900. It has the same number of bedrooms and bathrooms, the lot is the same size, the home is almost the same size, it has a 3-car garage compared to our 2-car garage, but it is about 3 years older than our home. (Dec-29-2010)

Q: Can you enlighten us on the 42 delinquencies in the last 7 years? - Moneypenny6

A: During my husband's first deployment I had some problems that resulted in me making poor financial decisions of which the effects took time to correct.We feel that since he has returned home from this last deployment things are going MUCH better. We are enrolled in Financial Peace University that is to begin in January, 2011 and we hope that this will help us to continue to make good financial decisions for years to come. (Dec-30-2010)

Pay off higher % items

Purpose of loan:
This loan will be used to?
Pay off higher percentage debt and the balance to use as a downpayment on an automobile
My financial situation:
I am a good candidate for this loan because? I have a good history of paying bills timely

Monthly net income: $ 7000, including my husbands income

Monthly expenses: $
??Housing: $ 1290
??Insurance: $ 50
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $?150
??Clothing, household expenses $ 50
??Credit cards and other loans: $?2500
??Other expenses: $

Q: Your title says that you are wanting to pay off higher percentage bills, but this listing is for 31%. How high are your other percentages? - Southern_Illinois_Girl

A: I have a pay day loan with a much higher rate (Dec-30-2010)

Q: What is the $36k in revolving debt and what amount of your current loans are you going to pay off with this loan and how much is going for a down payment on the car? - nfx

A: I am going to pay off the highest interest item with 5K of the funds and 2k will go towards the downpayment (Dec-30-2010)

Q: Can you please provide: 1. The total mortgage balance (including 2nd/heloc) on you home 2. The market value of your home (use zillow.com if unsure) - kindness-launcher

A: 198,000 balance and last apprasial was for 229K (Dec-30-2010)

Q: What are the balances, interest rates, and (average) monthly payments of the debts you wish to pay with your Prosper loan? - Barrayaran

A: I have a pay day loan that totals 1500 those payments are 300 bi-weekly and balance will pay the highest interest percent (Dec-30-2010)

Property Taxes and Auto Loan Buyout

Purpose of loan: Upon approval this loan will be used to pay 2010 Property Taxes and?a vehicle?Auto Loan.

My financial situation: Financially sound professional awaiting release of payment on 2010 bonus compensation package that is scheduled for late February or early March. Bonus compensation equals 13-14% of gross earnings and is weighted on overall company performance. Company earnings came in over 103% of?targeted revenue; thus?maximum bonus allowance will be awarded to all eligible company personnel including myself. Bonus compensation checks will be in the amount of $10,000 and up.

Why Prosper Lending: As a former small business owner for 5 years, the opportunity to maximize cash flow is critical. Through Prosper Lending I feel that this platform provides both the Lenders and the Borrowers the opportunity to see improved returns on their investments and increased cash flow, respectively.

Financial Breakdown: The financial objective of this loan is to increase immediate cash flow while minimizing associated costs; yet bringing a return to the investors. The goal is to pay this loan off in 4-6 months.

Borrower Payments Due
2010 Property Taxes:$3254.50
Auto Loan Balance:$1800.00
Total Amount Due: $5054.50

Loan Application Amount
Prosper Loan Amount:$6000
Prosper Loan Costs:$180
Interest Rate:17.07%
Loan Payout:$5820

6 MONTH AMORTIZATION TABLE
Month/Year:???????? Jan. 2011
Payment:???????????? $207.70??
Principal Paid:????? $124.91
Interest Paid:??????? $82.79
Total Interest:?????? $82.79
Balance:????????????? $5,695.09

Month/Year:???????? Feb. 2011
Payment:???????????? $207.70
Principal Paid:????? $126.69
Interest Paid:??????? $81.01
Total Interest:??????? $163.80
Balance:?????????????? $5,568.40

Month/Year:???????? Mar. 2011
Payment:???????????? $5,207.70
Principal Paid:????? $5,128.49
Interest Paid:??????? $79.21
Total Interest:??????? $243.01
Balance:?????????????? $439.91

Month/Year:????????April 2011
Payment:????????????$207.70
Principal Paid:???? $201.44
Interest Paid:?????? $6.26
Total Interest:?????? $249.27
Balance:????????????? $238.46

Month/Year:????????May 2011
Payment:????????????$207.70
Principal Paid:?????$204.31
Interest Paid:???????$3.39
Total Interest:???????$252.66
Balance:????????????? $34.15

Month/Year:????????June 2011
Payment:????????????$34.64
Principal Paid:?????$34.15
Interest Paid:???????$0.49
Total Interest:???????$253.15
Balance:????????????? $0.00

Total Cost Prosper Loan:
$180.00 Closing Fee + $253.15 Interest = $433.15 Total Cost of Loan

Pay off Credit Cards

Purpose of loan:
This loan will be used to?

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

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: $

Q: Please break down you Revolving credit balance of $20,528 showing all credit cards and rates and any other balances. - nfx

A: US Air $9975 rate 14.99% Target $4500 rate $16.99$ Discover 3000 rate $24.99 HSBC $2700.00 %19.99 (Dec-30-2010)