Desperately Seeking Funding

Purpose of loan:
The purpose of this loan is to pay off high interest credit cards, payday loans. (explain what you will be using this loan for)

My financial situation:
I am a hardworking healthcare provider. I've had credit for the last 16 years. A year ago, I filed for chapter 7 bankruptcy after maintaining two households(mine and my mom) became too overwhelming. I have since raised my credit score from 545 to 610.  

Monthly net income: $ 2552, $890 from second job, and $400 in child support.
Monthly expenses: $
  Housing: $ 1148 mortgage    
  Insurance: $ 90.00 house and car
  Car expenses: $ car is paid for in full, $48 gas/month
  Utilities: $ 145
  Phone, cable, internet: $ 210
  Food, entertainment: $ 140
  Clothing, household expenses $150
  Credit cards and other loans: $ 734
  Other expenses: $

visiting family in California

  Purpose of loan: The last time i saw and visited family in California was X-mas 2007.  Just got caught up with life and making sacrifices and prioritizing.  I have a week vacation from my work now and it would be nice to go on a trip to California and stay the week without worrying about spending and not making payments on bills.


My financial situation: I'm a good candidate for this loan just cause I believe that my plan is realistic.  I have great credit and I previously had a loan for 4000 in re-payment at the moment - payment always on time.

Monthly net income: $ 3000 (lower average amount)
I currently work 2 jobs; 1 in design where I make 35,000 annually - paycheck every 2 weeks of 940, and I work Friday and Saturday nights in a restaurant where my average weekend income is $300 to $500.

Monthly expenses:
$   Housing: $ 1,100  
Insurance: is covered by my company  
Car expenses: 0 - I don't have a car  
Utilities: $ 100  
Phone, cable, internet: $ 150  cell and internet
Food, entertainment: $ 200  
Clothing, household expenses $ 100  
Credit cards and other loans: $ 1100 (this is for all my credit cards, prosper and student loans, I pay more if I have extra money)  
Other expenses: $ 100

Buying a used car

Thank you for taking time to view my listing.  The purpose of this loan is to purchase a used car for commuting to and from work.
I am a second time borrower here at Prosper.  My current loan is in excellent standing, never having missed a payment.

I am a good candidate for this loan because I have a very steady employment history.  I have been employed for the past 17 years with
the same employer.  I am a Social Worker in a skilled nursing facility.  I love the elderly folks I serve everyday and plan to remain there
for many more years!  I am regarded among my peers, family, and friends as very trustworthy, hard working and loyal.

I have recovered from a Bankruptcy 4 years ago due to some unavoidable circumstances and have been steadily rebuilding my life and
my credit history.  I have had a perfect payment history since that time.  My monthly living expenses are very low and my monthly income
is approximately $3,000 which includes income from a home based Avon business, in addition to my full time salary. 

I will appreciate any help that I receive from the Prosper members.  Thank you so much.





I

paying off a very high interest cre

Purpose of loan:
This loan will be used to? Pay off a credit card that the credit card company jacked way up the interest on,
My financial situation:
I am a good candidate for this loan because?i pay all my bills on time, 

Monthly net income: $ 3500.00

Monthly expenses: $ 2300.00
  Housing: $
  Insurance: $
  Car expenses: $
  Utilities: $
  Phone, cable, internet: $
  Food, entertainment: $
  Clothing, household expenses $
  Credit cards and other loans: $
  Other expenses: $

MBA Tuition, Study Abroad

Purpose of loan:
This loan will cover tuition for attending business school.  I selected Cheung Kong Graduate School of Business because of their great faculty and my respect for the school's founder, Li Ka-Shing, and his business success.  Did you know that he made his first small fortune by selling plastic flowers?  Anyways, I already got admitted to the school.  I also got admitted to the Duke MBA program but tuition alone costs $115,000, which is a bit pricey for me.  Interestingly, it is easier for me to get a loan from Duke than from Cheung Kong because Duke is a name brand school (and six times more expensive). 

Cheung Kong Graduate School of Business (http://en.ckgsb.com/article/37/2661.aspx)
This school has a reputation in China as having the best faculty in China http://en.ckgsb.com/faculty/os.aspx
Biography of Li Ka-Shing: http://en.wikipedia.org/wiki/Li_Ka-shing


My financial situation:
I am a great candidate for this loan because I am a U.S. Citizen and I graduated from the University of Texas at Austin McCombs School of Business in Finance and previously took out an undergraduate student loan that was paid off in a timely fashion.

I am only taking out the loan for additional liquidity, not financial distress.  I have a large stock position on Netease (NTES) which recently went up 81% over the past several months.  This one-stock portfolio has been phenomenal.  I do not plan on selling due to the company's great prospects for the future.

I worked as a private equity investor (fund of funds) for six years and recently took time off from Jade Invest (www.jadeinvest.com.cn) in order to spend some more time studying Chinese and work on a consulting business.  After all, I was born in the U.S. and was raised in Texas so I learned Spanish in high school and Japanese in college but never Chinese partly because my parents disapproved due to their nationalistic bias for Taiwan.

Student Loan

Purpose of loan:
This loan will be used to assist my Grandson in finishing his last year of college. He only has one year left and all he needs is this amount to finish and graduate. The loan company that we have gone through for the prior years has cut us off due to reaching the maximum amount of credit that they say can be given. He has gone through a lot and throughout it all he has stuck with school and is very driven to get his degree and succeed. His Mother and Father both left him when he was young and I raised him from then on. I wish I could help him but the companies will not except me as a co-signer even though my credit score isn't low at all. He is an incredible kid and despite all that has happend in his life so far he kept on a great clean path and I would really love to have the chance to see him succeed and become a successful man.

My financial situation:
I am a good candidate for this loan because I am an honest and trustworthy person. I am here because despite my good credit and score, student loan companies have decided that a "limit" has been reached stopping my Grandson one year short of getting his degree. I am retired, I own my own house, I own my own car, I pay all my credit cards on time, and I really just want to see my Grandson graduate after all the work he has put into this.

Pay off debts

This loan will be used to? Pay off some small debts.

I have some small debts that I am trying to pay off.  The largest one is to my son's high school; otherwise they will not allow him to return in the Fall (because of this, he was not allowed to attend summer school). While I pay every creditor what I can every month, most of them will not negotiate a lower fee for a longer term and the payments are simply more than I cannot afford right now.  I have (and still am) looking for another job to pick up more income to no avail.

I appreciate anyone and everyone who takes the time to read my loan bid, whether you decide to fund it or not.

Thank you.

Monthly net income: $ 3800.00

Monthly expenses: $
  Housing: $1417
  Insurance: $ 105
  Car expenses: $ 160 for public transportation
  Utilities: $ included in rent
  Phone, cable, internet: $ 200 (cell phone and vpn for internet)
  Food, entertainment: $ 400 food  (teen age son)
  Clothing, household expenses $ 80 for dry cleaning
  Credit cards and other loans: $ $125
  Other expenses: $240 for physical therapy (I have perenial tendonitis). 

Home Improvement -

Purpose of loan:
This loan will be used to?   My fiance and I bought a new house back in 2007 and we need to finish the backyard!  The yard is about 1/2 acre.  I paid off my first loan with Prosper within a year.  This will be my second loan. My total outstanding debt is about $2,500 and my fiance debt only includes the home (I am not on the loan).    I work for Boeing as a Project Manager leading a software program working on the 787.
Monthly net income: $
9,000
Monthly expenses: $
  Housing: $ 1000.
  Insurance: $ 75
  Car expenses: $ 100
  Utilities: $ 100
  Phone, cable, internet: $ 75
  Food, entertainment: $ 300
  Clothing, household expenses $ 200
  Credit cards and other loans: $ 150
  Other expenses: $ 500

Pay off original loan and CC debt

Purpose of loan:
To start off I plan to use this loan to refinance my current prosper loan...I have had this loan for a year now and it has big interest rate, a whopping 27%! Next I am going to pay all my credit cards off; over the course of last year and this year I have successfully paid off 2 credit cards and canceled the accounts (major success for me!) I then wanna cancel two more cards and leave 2 open for credit history sake. Lastly, this loan is gonna help me pay off tool debt from my work...Every week I have to pay the tool distributors about $20 a week towards the purchase of tools, paying my off my debts will help me tremendously towards independence from them.
Last year when taking out my Prosper loan, I had a plan to fix up my car and pay off credit cards, etc...well needless to say I have fixed my car but not the original way I planned; about a month after taking the loan out my car hydro-locked and I had to have the car towed into a dealership to have major repair work done to the car, expensive. After all that went down I went back to the original plan of putting a little money into the car for fun, which I did...the car runs great to this day! Thank You!

My financial situation:
I am qualified for a great loan rate because over the course of the last 2.5 years of establishing a good credit history, I have paid on all my cards, loans, bills, etc on time and paid with at least a little over the minimum on the cards. The reason for coming to Prosper is because I know that there are others out there that understand people problems and have emotions just like me. Unlike the banks, there are people who are willing to lend a helping hand to those who have proven themselves to be trustworthy in borrowing money. I know once in debt it is hard to get out, but I can at least try to make it easier on myself since I am a college student and working a great part time job. I work at a Volkswagen Dealership as an hourly Automotive Technician. While having this job for 2 years, I make a reasonable payroll for the amount of hours I work and I am confident once I have this loan it will make my life a lot easier :)
If you need any questions answered, then I will be glad to spare you anymore details you may need!

Monthly net income: $ 940

Monthly expenses: $ 583 currently, $367 if loan goes through with target interest rate
  Housing: $ 0 (Living with parents)
  Insurance: $ 450 every 6 months
  Car expenses: $0 (Paid off)
  Utilities: $ 0
  Phone, cable, internet: $ 60
  Food, entertainment: $ 50
  Clothing, household expenses $ 50
  Credit cards and other loans: $ 100
  Other expenses: $163 (Existing Prosper Loan), Tool Debt $160

WORKING CAPITAL

Purpose of loan:
This loan will be used for working capital to be used throughout the year. 

My financial situation:
I am a good candidate for this loan because I have had a previous loan with Prosper.  The previous loan will be paid in full this year.  I have never missed a payment and our business has increased almost 15% each year.  We have accounts receivable in the amount of $80,000 which will should receive at the first of August.  


Monthly net income: $6500

Monthly expenses:  
  Housing: $ 1600
  Insurance: $ 350
  Car expenses: $950 
  Utilities: $ 200
  Phone, cable, internet: $150
  Food, entertainment: $
  Clothing, household expenses $
  Credit cards and other loans: $
  Other expenses: $

Motorcycle modification

Purpose of loan:
This loan will be used to modify my motorcycle to make it accessable as I am in a wheelchair.
My financial situation:
I am a good candidate for this loan because I have a full time job and a large sum on money in savings to pay for most of the modifications but need a little more money as the the price has exceeded my budget but the bike is almost finished. 

No more banks

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

My financial situation:
Economy got worse in last couple of years and banks got scared of lending. I have built my credit and reputation of paying on time from the beginning. I am employed as CFO, which means I am trusted by the owner of the company. I get paid well and my husband makes close to what I make. We can pay off debt like this without any issues. We have some cash in case of emergency, which we hope we don;t have to use.

Buy a Violin

My daughter is a violinist.  Recently, I had a chance to upgrade her instrument.  It was an unexpected purchase, but because the new violin is appraised at $11,000 and the dealer offered it to me for $9,000, I took advantage of the discount.

I was able to buy the violin at a discount because I have provided the violin dealer with a lot of business over the years and because of the slow economy.  I think the violin dealer needed to move some inventory to keep the cash flowing.

As part of the purchase, I traded in another violin for $4,000.  Thus, the requested loan is in the amount of $5,000.  Because it was an unexpected purchase, I am requesting the loan so I can break down the purchase into smaller chunks.

I believe with my good credit score and the fact that I have a history of paying on time and paying off a Prosper loan that I am a good candidate for this loan.  

need extra cash

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because I have a stable job for the city and county of San Francisco.  It is easy for me if i only pay $200-400 a month for the loan, and I have direct deposite every 2 weeks to my checking account.  I am sure i will make a payment on time. 

Monthly net income: $ 3200- $4000    

Monthly expenses: $
  Housing: $   500  
  Insurance: $ 50    
  Car expenses: $ 200
  Utilities: $ 0
  Phone, cable, internet: $ 150
  Food, entertainment: $ 500
  Clothing, household expenses $ 0
  Credit cards and other loans: $ 200
  Other expenses: $ 0

Writing a Book

Purpose of loan:Writing a book
This loan will be used to?self publish a book that is 90% complete

My financial situation:I have 3 children in college
I am a good candidate for this loan because?I am an honest person who will pay back this loan

Monthly net income: $ $11000

Monthly expenses: $ $11000
??Housing: $2200
??Insurance: $500
??Car expenses: $1500
??Utilities: $500
??Phone, cable, internet: $250
??Food, entertainment: $1000
??Clothing, household expenses $
??Credit cards and other loans: $2400
??Other expenses: $3000

60% LTV Real Estate Lien

Purpose of loan:
This loan will be used to? purchase single family homes to remodel and rent or sale to end buyer.

My financial situation:
I am a good candidate for this loan because? I have been doing this full time for 8 years and now this is the best time to be buying real estate.  My financial situation is very strong with about $250,000 in liquidity with a net worth of 1.5 million.

Paying off credit cards

Purpose of loan:
This loan will be used to regain my financial control and get out of credit card debt. 

My financial situation:
I am a good candidate for this loan because I have a long credit history since 1974 with never a serious problems (
foreclosure, default, etc.).  I own two homes and have amassed some debt because my wife lost her full time job and is now working part time.

Monthly net income: $ 6000

Monthly expenses: $
  Housing: $ 4000
  Insurance: $ 150
  Car expenses: $500 (over in October) 
  Utilities: $ 100
  Phone, cable, internet: $ 200
  Food, entertainment: $
  Clothing, household expenses $
  Credit cards and other loans: $ 600
  Other expenses: $

Paying of 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: $

Halfway to total credit freedom

Purpose of loan:
This loan will be used to pay off existing credit card debt.  Like many people, this past several months has caused me to re-evaluate my lifestyle and my plans for the future. A divorce several years ago left me with a large amount of debt and very substantial support payments.  The huge support payments have ended and over the past several months I have paid off tens of thousands of dollars in consumer credit card debt.  However, like so many others, credit card companies have continued to lower my credit limits each month as I pay them down, making it appear that I am 'max'd out' on several cards.  A year ago, my FICO score was over 800...and I have LESS debt today than I did then, but due to lowered limits, my score has dropped.  I want to get the credit card companies out of my life!

My financial situation:
I am an excellent candidate for this loan and an outstanding credit risk for several reasons.  Most importantly, I have made a commitment throughout my life to pay back every debt that I have ever incurred and to make my payments on time.  I have never missed a payment or defaulted on a loan and will not do so in the future.  I have been employed as the General Manager the same automobile dealership for 11 years and have worked for the same person for 15 years.  I am not only an employee of my company, but a business partner with the company owner in both commercial real estate and another business that we own together.  In spite the terrible conditions in the auto industry over the past year...we operate in a small community and we have maintained our profitability even in the last quarter of 2008.  We are a Toyota dealer, as well as a Chevrolet franchisee who has 'made the cut'.  I have been financially conservative throughout my adult life and will be even moreso in the future.  Most of my existing debt was incurred investing in business and real estate that I still own today and still feel are valuable long term investments and then the debt that I had to create in order to pay my ex-wife 'half' of assets that were non-liquid.  Finally, I have been a faithful and diligent customer of several credit card companies for 20 years, making my payments faithfully even when times were difficult...only to find that when times got difficult for them, they have cut limits and hampered my ability to obtain consolidation debt even though it would have resulted in their being paid in full.  I would love to pay you interest over the next few years instead of them!!!!  Please take my money!

Almost time to refinance house

Purpose of loan: In April our penalty time on our house is up and we want to refinance and get a better interest rate. This loan will go along way to improving our credit score.

My financial situation:
I am a good candidate for this loan because: I currently have a prosper loanand have paid on it for a year now always on time.  I have always paid my bills and paid them on time. We just want to get some other things paid off so we can better our position in life.

Monthly net income: $ My net is $5600.00 my wifes is $ 1800.00

Monthly expenses: $
  Housing: $ 1300.00
  Insurance: $ 121.00
  Car expenses: $ 800.00
  Utilities: $ 120.00
  Phone, cable, internet: $ 65.00
  Food, entertainment: $ 400.00
  Clothing, household expenses $ 200.00
  Credit cards and other loans: $ 600.00
 

Property worth $130K buying for 10K

Purpose of loan:
This loan will be used to? buy fix and sell Real Estate property. the purchase price of this property is $8000. And I'm going to have to hold it for 90 before I can sell it.
My financial situation:
I am a good candidate for this loan because?I GOT a great deal and there is NO way I can loose on this deal. There are many exit options. 1.buy ,fix and sell with an agent.
2. sell on eBay or craigslist
3. fix and rent with a INCOME PROPERTY REFINANCING.
4.fix and lease option
 thank you and I'm looking forward to be working with you.  

Small Loan Needed to help my Daught

Purpose of loan:
This loan will be used to?

I am applying for a small personal loan to help my youngest daughter through some financial difficulties.  This money will be used to pay for car repairs, first month rent and security deposit on her new apartment.  SHe is a single mother with two children and just recently got out of terrible relationship. I am trying to help her rebuild her life.My financial situation:
I am a good candidate for this loan because?

Monthly net income: $  1365.00

Monthly expenses: $ 

I have a set income which is stable and received monthly. I live with my second daughter so I do not pay rent or utilities.  I have a good credit history and always pay my bill on times.  I will be on time every month on my loan and I will pay extra to pay the loan off earlier.  Please help me to help my youngest daughter. I know that there are good samaritans and angels out there somewhere.  
  Housing: $   0
  Insurance: $  0
  Car expenses: $
  Utilities: $  0
  Phone, cable, internet: $ 0
  Food, entertainment: $  0
  Clothing, household expenses $  0
  Credit cards and other loans: $ 364.
  Other expenses: $

Lender-Doctor Investing For Future

This loan will be used to?invest! I am currently a third year Internal Medicine resident at a large academic university hospital.? Because I have been a student for so long, my investing opportunities have been quite limited until recently.? I will use this money to fund my 403b (401K equivalent) and/or my IRA account for tax advantaged investing. The purpose of this loan is simply to give me a little extra safety margin as I more aggressively ramp up my retirement savings while still working for a lesser resident salary.

My financial situation: My current stipend is 49K with very modest expenses.? I spend most of my time working in the hospital and live a relatively simple lifestyle. I am walking distance to work and do not have unreasonable expenses otherwise. All of my medical school loans are in deferment until I finish my training (I recently matched for a 3+ year Cardiology fellowship to start next year, further extending my loan deferments).

My expenses:
Rent: $1030
Utilities/Cell Phone/Internet: $120
Food/Entertainment: $250-300.

I am a good candidate for this loan because?I am as responsible with my money as I am with other aspects of my life. I've kept a flawless record since my teen years so it would be unthinkable to risk undermining that now. My long credit history, credit grade, and low DTI ratio speak for itself. I also moonlight at a MUCH higher hourly rate, so defaulting on this loan is virtually impossible. Perhaps the biggest assurance for you though is that I pretty much have 100% job security with a guaranteed exponential salary curve.

This will be my second loan with prosper. The first was taken in August 2008 and I have made EVERY payment on time. This loan will be no different. My Prosper Letter Grade is skewed from having the prior active loan. My record is otherwise spotless.

I am also a lender on Prosper with approximately $1000 invested before Pennsylvania was excluded from further lending. I think this is a strong and productive lending community and plan to re-invest more into Prosper when it is again available to me.

Buying a car for our family

Purpose of loan: 
Our 2003 Saturn  Vue is starting to show signs of all 106,000 miles we have driven. In fact, last month I paid one third the value of the car to have it fixed in order to pass inspection. It is time to retire the car and purchase something newer.

My financial situation:
I am a good candidate for this loan because I am fanatical about keeping my credit excellent. My situation is a little different, however. About two years ago I lost my job. My wife returned to work and I am now the stay at home parent for four children ages 5, 12, 15 and 18 (the 18 year old is heading off to college in late August). Before losing my job I invested in real estate. I paid cash for a home and rehabed it (total investment about $54k) . The estimated after rehab value was $70,000. It has a tenant, is managed by a property manager and grosses $800 a month. I would love to cash out on some of the equity with a personal loan but without enough income I am deemed not to be a great candidate for banks. I have a credit score of over 800, low debt, and pay all my bills on time. Both our cars are paid for and our home has a mortgage with a low 5.3% rate. My goal is to avoid taking more from our nest egg to purchase a car. Thanks for considering my request.

putting on a new roof

Purpose of loan:
This loan will be used to?
WE WILL BE USING THIS LOAN TO PUT ON A NEW ROOF BEFORE IT STARTS LEAKING.WE APPRECIATE YOU CONSIDERING US FOR A LOAN EVERYONE DESERVES A CHANCE.THANK YOU IN ADVANCE FOR GIVING US A CHANCE TO SHOW YOU THAT WE WILL REPAY YOU BACK. 
My financial situation:
I am a good candidate for this loan because?

Personal Loan to Help Out

Purpose of loan:
This loan will be used Pay Off  Credit CardsMy financial situation:
Hello, my name is Joe and I am a SFC in the Active US Army, I have been in for 18 year 10 Months.  I am current on all my bills and I have never missed a Mortgage Payment, Car Payment etc?In over 4 years. I am responsible adult with a loving family.  I want to get out from under the credit cards, the rates are going up. The Money I spend a Month of payment would more than cover the prosper Loan. I hope you will help. I will always pay back, as is proven.Monthly net income: $ 6,000

Monthly expenses: $
  Housing: $ 1076.00
  Insurance: $ 225  Car expenses: $ 600
  Utilities: $ 400
  Phone, cable, internet: $ 100
  Food, entertainment: $500
  Clothing, household expenses $ 300
  Credit cards and other loans: $ 250
  

$8000 First Time Home Buyer Credit

Purpose of loan:
This loan will be used to lend out to a first time home buyer that qualifies for the $8000 tax credit.  I am looking to share the risk with another investor.  I am a fully license loan originator for the past 10 years and would have a complete file with credit report, income docs, asset docs, bank statements...etc.  The IRS forms 5405 and 1040X allows the buyer to claim the $8000 and receive a check for $8000 from the government in 6-9 weeks after closing.  I would be attached to the loan since my commission would be reliant on the funds for closing.  I was thinking that the investor get an upfront 6% fee on the lent money and not have to collect payments.  I would be open to suggestions to see what the market would bare?  How much is a first time home buyer willing to pay to borrower the $8000?  The risk would be similar to a tax return loan.

My financial situation: I'm checking what the appetite for something like this would be so I could offer this as an additional service to my clients.  Each situation would be different.  I can't stress enough that the borrower would be fully approved by my company.  Again, I'm looking for interested parties and think this would be a great service I could provide my clients.  You, the lender, would make your money upfront and be paid back in 6-9 weeks after closing.  We could set it up so that as soon as the client receives the $8000 check from the government they would sign it over to you or deposit it straight into your bank account.  I would prefer to work with someone local in the DuPage IL area since meeting face to face is always safer.  Please feel free to contact me to discuss.


Monthly net income: $ 13,850

Monthly expenses: $
  Housing: $ 0
  Insurance: $ 100
  Car expenses: $ 1000
  Utilities: $ 100
  Phone, cable, internet: $ 105
  Food, entertainment: $ 1000
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 0
  Other expenses: $ 0

Paying off debt

After a rough year of many vet bills, a lay off, and changes in my personal situation, I have a bit more debt again than I would like.  Now that I am working in a secure job and unusual expenses have tapered, my focus is on smartly paying down debt and improving my credit score once again.

I am a good candidate for this loan because all my current creditors are consistently paid on time every month - car, mortgage, credit cards, etc. . .  In addition, I am a responsible professional with a six figure income who legitimately wishes to improve my credit score and buy a piece of investment property in the next 2 years.  I have successfully paid off one prosper loan, and am currently paying off another (would completely pay it off with this loan).  I am happy to answer any questions or provide any additional information. 

Consolidation Loan

Purpose of loan:
This loan will be used to?
Pay off my capitol one credit cards and pay ahead on my car loan. My monthly retirement check would pay back the loan.
My financial situation:
I am a good candidate for this loan because?
I have a monthly retirement check coming in each month.
Monthly net income: $
$4364.00
Monthly expenses: $
  Housing: $ 965.00
  Insurance: $ 155.00
  Car expenses: $ 310.00 shared with someone else
  Utilities: $ 25.00
  Phone, cable, internet: $ 100.00
  Food, entertainment: $ 150.00
  Clothing, household expenses $ 30.00 retired
  Credit cards and other loans: $
  Other expenses: $

pay debt/transition to payperiod

Purpose of loan:
This loan will be used to pay unexpected expenses, like my daughter's dental work and some needed auto repairs, and to transition to a new pay period.  The county in which I work has always started paying in mid-August but changed to the end of August.  While the pay will be the same, it does cause a financial strain on the front end since I didn't know of this change when planning for summer monthly expenses.
My financial situation:
I am a good candidate for this loan because I am a fanatic about paying my bills!  I have applied for a part time position to make sure this additional monthly expense won't be a problem. Although it doesn't show in my income, I am in a long-term relationship and he contributes to the household expenses.  To me, it is far more important that I meet all my obligations than what my debt-to-income ratio is.  Most of my debt is due to paying for all I could on my daughters' college educations, which is thankfully complete. 
I have tried to instill that 'rule' to my daughters--to be responsible and pay your debts--and I lead by example.

Lower rates and new windows

Purpose of loan:
I would like to pay off my other prosper loan and get new windows for part of the house.

My financial situation:
The first thing I will do is pay off my other prosper loan!

This is my second listing.  I have a current Proserper loan, and  you can see that I am current with it, have it on auto-pay and never miss a payment.  Let me pay the interest to you instead of being milked by the credit card companies!   My husband and I both are gainfully employed.  It has, however, been frustrating to know that we earn so much only to see it go into the interest on our cards.  We own a home and own one of our two cars outright.  We had a year with no car payment and my car died and we were able to borrow a car for awhile before we had to buy one.

Thanks for helping us make this achievable!

I have been at my job for over 5 years so I have a steady income.  I also sell Avon to make extra money.  I worked full time and put myself through college.  All of my student loans are paid off.  I have never defaulted on any loans.  I have always worked hard and have always paid my debts. 

I was to sticking to a budget to pay off all my credit cards, but my father became ill and I had to help my mom out with the caregiver expenses.  My husband has many credit cards but they are his debt even though they are on my credit report. 

So far I'm doing pretty good getting back on track, but these high interest rates are killing me!!  And getting new windows for the part of the house has become a priority. 

Monthly net income: $4,200.00

Monthly expenses: $
  Housing: $ 600 (this is my contribution, my husband pays the rest)
  Insurance: $ 127.00
  Car expenses: $ 420.00
  Utilities: $ 276.00
  Phone, cable, internet: $ 180.00
  Food, entertainment: $ 500.00
  Clothing, household expenses $ 100.00
  Credit cards and other loans: $ 1388.00
  Other expenses: $ 0.

Opening a second location

Purpose of loan:
Currently I run the only legal indoor smoking facility in the State of Washington. It is a hookah bar called The Cobra Lounge in Bellingham, WA. I have been running it from Boston where I just recieved my B.A. in Finance and Accounting from a school ranked in the top 20 nationally (you can fill in the blank). I have just returned home and am ready to open a second location. The margins on hookah are very high and we net about 58% of our gross revenue. I have chosen a second location and am in need of a bit of extra cash to cover buildout costs. There was a smoking ban passed 4 years ago in Washington and we are the only ones approved by the government to have indoor smoking (we got this approval by means of setting up a special format for our shop with the help of our attorney). Long story short we are doing very well in Bellingham but it is too small to truly scale our concept. Before the ban was passed there were 5 hookah bars operated profitably in Seattle, now there is only 1 and it is technically illegal. I originally started the business when I was 19 with money from working construction and valet (totaling 65 hrs a week) during my summer vacations. I am putting 25,000 of my own money into this new hookah bar (which is basically everything I have since I just got out of school).  I am an extremely hard worker and you will recieve your money back within a year.

My financial situation:
I am the perfect candidate for this loan because I just got out of school so I live with my parents. I have very little in terms of expenses and work just 1 day a week managing The Cobra Lounge Bellingham from which I recieve 3500/mo.

REFI EXISTING LOAN

Purpose of loan:
This loan will be used to refi an existing loan to lower my payment

My financial situation:
I am a good candidate for this loan because I have a perfect payment history

Need Equipment - 715 CreditScore

Purpose of loan: 
The loan is for purchasing a high performance piece of equipment for my company that once in place will begin to generate direct revenue/income as a result.  My customers continue to request this service and I do not have it and in the process am turning away work.  Please help me grow my business and help my customers by securing this loan for me and my business.  My new business is www.ohiohorsepower.com  and the piece of equipment is a Chassis Dynomometer. 

My financial situation:
I am a good candidate for this loan because I AM A PREVIOUS PROSPER Customer who has made every payment on time and has stable income to support the loan repayment.  I have a 715 Credit Score but Prosper classifies me as HR instead of A credit simply because of self-employment status. 

Monthly net income: $ $9000

Monthly expenses: $
  Housing: $ 2000
  Insurance: $ 200
  Car expenses: $ 1000
  Utilities: $ 350
  Phone, cable, internet: $ 400
  Food, entertainment: $ 500
  Clothing, household expenses $ 1000
  Credit cards and other loans: $ 300
  Other expenses: $ 800

Buying Inventory for summer fairs

Purpose of loan:
This loan will be used to?  pay off my existing prosper loan and use the rest to purchase inventory for 2 huge summer in August.
My financial situation:
I am a good candidate for this loan because? I have never been late on a payment. I feel I am dependable and have already paid off some personal debt.

Monthly net income: $ 5,800-6,000 
  Housing: $ 480.00
  Insurance: $ 300.0
  Car expenses: $ 200.00
  Utilities: $ 100.00
  Phone, cable, internet: $ 200.00
  Food, entertainment: $ 500.00
  Clothing, household expenses $ 100.00
  Credit cards and other loans: $ 2,000
  Other expenses: $

Refinance loan

Purpose of loan:
Refinance my current prosper loan.

My financial situation:
I am a good candidate for this loan because I have paid off most of my debt and my credit speaks for itself. I have drastically improved my credit score from my last score.

Monthly net income: $ 2300     

Monthly expenses: $ 1130
  Housing: $ 550
  Insurance: $
  Car expenses: $ 60
  Utilities: $ 80
  Phone, cable, internet: $ 110
  Food, entertainment: $ 100
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 130
  Other expenses: $

Daughter's uniform & books

Purpose of loan:
This loan will be used to? purchase clothes and supplies need for school

My financial situation:
I am a good candidate for this loan because? income is guaranteed to me through a trust created prior to the death of my family for the care of my daughter.

Monthly net income: $
108000
Monthly expenses: $
  Housing: $ 0
  Insurance: $ 100
  Car expenses: $ 125
  Utilities: $ 350
  Phone, cable, internet: $100 
  Food, entertainment: $ 500
  Clothing, household expenses $400
  Credit cards and other loans: $750
  Other expenses: $500

Part of Down Payment for Home

Purpose of loan: Down payment on home
This loan will be used to buy a house in Southern California - a very difficult and expensive housing market to get into.

My financial situation:
I am a good candidate for this loan because I own an entertainment hiring agency called M One Studios (www.MOneStudios.com - please check for yourself) which generates  5-6K a month, and at most, maybe 1/4 of that goes to expenses. Additionally, I teach music lessons for advanced high school and college students and make anywhere from $60 - $75 an hour doing this. Even in the almost impossible event that my agency (which is growing every month) would completely tank, I could still make a very good living teaching music. Unfortunately, I'm having a difficult time finding financing for a home that is up to my standards of living in Southern California because as a self-employed business owner, I showed large deductions for expenses for the 2007 and 2008 tax year, and not enough income for a home that is in the 300 - 400K range. I'm looking for another loan to help with my down payment (in addition to the $40 K) I already have saved so that I can get approved for a larger mortgage. The other reason why I want to spend at least that much on the home, is that I'll then be able to have 2-3 roommates paying rent, and be able to cover a large portion of my mortgage costs.
*Note Regarding my Credit Rating*: Citibank approved me for a loan when I was 18 years old, but when we got a better rate through another bank, declined the Citibank Loan. Somehow, they still claim to have paid the loan in full to the college I was attending, although the school never received the funds. I'm in the process of taking Citibank to court over this, as it has destroyed my otherwise nearly perfect credit rating and so far taken me several years to get to the bottom of.

Financial/Green Biz Continuing Ed

Purpose:
I am seeking this education loan primarily to cover the cost of obtaining my Chartered Financial Analyst (CFA) designation. This Charter will take my consulting and finance businesses to the next level and coupled with my experience in investment banking and private equity investing it will create new business opportunities. Part of my consulting business is green building oriented so I will be furthering my green technology/renewable energy coursework as well. 

My financial situation:
I am a good candidate for this loan because I keep a strict budget, I always pay off loans on-time or early and the resulting education from this loan will increase my income.

Paying off Credit Cards forever

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because I have a steady job with extrememly good job security. I have had a prosper loan for over a year now and have paid every bill on time, plus a little more early. I used cards while in college to get by but now that I am out I would like to consolidate to simplify my bills as well as cut my interest rate down.

Monthly net income: $ 2000

Monthly expenses: $
  Housing: $ 325
  Insurance: $ 70
  Car expenses: $210
  Utilities: $ 50
  Phone, cable, internet: $ 80
  Food, entertainment: $ 400
  Clothing, household expenses $ 50
  Credit cards and other loans: $
  Other expenses: $ Credit Cards- 150

Renovate an apartment Unit

Purpose of loan:
Renovate a multifamily home (owner occ, 3 units, 3 bdrms ea)

I have no negative credit items, ever, take commitments seriously and am HR credit because of a high DTI due to mortgage. and because I have charged $7500 towards this goal already, which I will refinance.

According to
http://www.zilpy.com/US/New_Hampshire/Hillsborough_County/Manchester/
Median rent for a three bedroom apartment is $1,125, and the vacancy rate is 3.6% in Manchester NH.

I believe I will be able to charge at least $1000 per unit, with tenants paying their own utilities. I am presently occupying one unit with 2 roommates paying $400 / month each.

Monthly mortgage (including escrowed homeowner's insurance and local tax): $1692 (prepaid through October 2009)Upkeep   $200 / month estimatedSubtotal    $1922 / monthIncluding this prosper loan for three years, estimated costs  $2725 / monthPersonal Finances: (Monthly)

Salary    $3200 (gross) [presuming I earn no bonuses, which could be up to $10k / year, and have no raise. I am a top performer in my job role.
              $2600 (realistic take home pay after taxes, helth insurance, etc)

The house should be roughly cash flow neutral, even with the high level of debt associated with it.

My other monthly expenses look something like this:
Food/Dining $320
Entertainment $100
Savings for Retirement $500
"Rent" (to self) $200
Phone $60
Utilities $200 
CC Payment $50  ($2500 left from a fixed APR for life offer)
I do not own a car
Subtotal$1430

Presuming that I had a $1000 bleed rate due to my housing investment, I should still be able to handle payments, even if I have forgotten something in my monthly analysis. I attempt to maintain a high savings rate, and will likely repay this loan ahead of schedule, just to inform lenders who may only be interested in people who will hold the loan to term. I would estimate that I will be able to repay the loan in 20 months, and no more than 24 months barring unforseen circumstances.

Thank you for reading and considering helping me rehabilitate my community and begin my property investment portfolio. Feel free to ask any questions you feel are relevant.

Paying off debts

Purpose of loan:
This loan will be used to? I would like to payoff some high interest rate credit cards and have money for down payment on a house while the market is good.

My financial situation:
I am a good candidate for this loan because? I have two good study incomes coming in and I know that any loan I inquire i would be able to pay it back with any problem.

Monthly net income: $ 3300

Monthly expenses: $ 2400
  Housing: $ 1500
  Insurance: $ 125
  Car expenses: $ 0
  Utilities: $ 100
  Phone, cable, internet: $ 125
  Food, entertainment: $ 150
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 300
  Other expenses: $ 0

Need a new bathroom

Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 25000.00

Monthly expenses: $
  Housing: $ 3400
  Insurance: $ 300
  Car expenses: $ 400
  Utilities: $ 300
  Phone, cable, internet: $ 300
  Food, entertainment: $ 500
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 1000
  Other expenses: $