Paying off my credit cards

My wife and I are looking to pay off one of our credit cards which has recently raised the minimum payment to 5% (Chase).  We are trying to find a more reasonable payment plan, and realize that we may need to pay a higher interest rate in the short run to accomplish this.

This will be a short-term loan as we will use part of my year-end bonus to pay this loan off.

Paying off high rate credit cards

Purpose of loan:
This loan will be used to? clean up my act.
My financial situation:
I am a good candidate for this loan because? I already have a loan through Prosper and have never been late.  Would like to pay off credit cards and clean up my act by getting rid of these credit cards.
Monthly net income: $ 3038.46

Monthly expenses: $
  Housing: $ 937.
  Insurance: $ 150.
  Car expenses: $ 200.
  Utilities: $ 100.
  Phone, cable, internet: $ 60.
  Food, entertainment: $ 150.
  Clothing, household expenses $ 100.
  Credit cards and other loans: $ 400.
  Other expenses: $

New Apartment Gate

Hi!  Thanks for looking at my loan.

I own a 21 unit apartment building in Hartford.  To improve the parking security of the property for the tenants I would like to install an automatic gate to close the parking lot off from the street and only allow tenants into the lot.  I have received quotes from several contractors for $5000.

The improvement will also allow me to charge additional rents for the parking (there are 12 spots) and each could produce $25.00/mo more.  The monthly payment of approximately $160/mo would be more than covered by the additional income.  I am looking to finance the project because it would produce enough income to pay for itself and since Prosper is lending again I thought it was a good alternative. 

From a personal point of view, I have excellent credit and good salary so even if no-one decided to park there (which is extremely unlikely), I would be able to pay for the loan from my own funds.

Thank-you for your consideration, and I would encourage you to fund my loan.

Gas Saving Invention Patent

Purpose of loan:
This loan will be used to patent a gas saving device and provide the company with working capital.

My financial situation:
I am a good candidate for this loan because I have invented an incredible device which reduces fuel consumption and increases mileage.  We have been testing and improving this device for 2 years, and we are now prepared to introduce it into the automotive industry.  Our testing results have shown at least a 25% increase in fuel mileage and as high as 60% depending on vehicle, weather and traffic conditions.  My truck pictured above, for example, is a F-150 4X4.  With my invention installed, I took it from 16.5 mpg to 21.8 mpg, a 30% increase.



Monthly net income: $ 6,000             

Monthly expenses: $
  Housing: $ 800    
  Insurance: $ 150
  Car expenses: $ 620
  Utilities: $ 150
  Phone, cable, internet: $ 120
  Food, entertainment: $ 500
  Clothing, household expenses $ 200
  Credit cards and other loans: $ 220
  Other expenses: $ 100

help pay off last of credit cards

Hello,
      My husband and I are trying to get out of debt by paying of the credit cards. We want to put all the credit card payments into one loan with one payment. We would go from ten payments to one payment with this loan. That way we don't have to worry about making all the payments on time. The reason the debt to income ratio is so high is because all of the bills are in my name, and only my income was listed. My husband is also a provider to our family.
    We moved in October of 07 and are back on our feet from the move. We had some tough times moving and got behind on a couple of bills, but we are now current on all of our bills and on time with them. We were late only once with prosper and that was because of the move and switching banks. We both have good jobs and doing very good in the jobs that we have. I have been full time with my employer a year. My husband has been working for the same company since October 07. My husband makes about $28,000 bring home.
    All we want to do is consolidate the last of our debt into one payment for more connivance and we are going to close all the credit cards once they are paid off. Some accounts have already been paid off and closed due to us not using them.
   We plan to have this loan and all of our other debt paid off in two years or less. Please help us achieve this plan, we can not do this with out your help.  

Proven borrower needs help again

FIRST: I have completed two successful loans on Prosper and am current on the third. The two late payments were resolved immediately.

ABOUT ME: I am 31 years old, married with two children, ages five and three. I purchased my first home in October '06.  I work full-time as a union electrician and also work on weekends bartending. My wife works full-time as a mother of two, as well as being a full-time student. She also works part-time in retail sales.

WHAT I WILL DO WITH THE MONEY LOANED TO ME: I took a personal loan from a financial institution at a rate much higher than I wanted. Most of this loan will got to refinance that $5500 loan. The rest will pay off my current Prosper loan and a Chase Credit card which just had the interest rate almost doubled for no reaon at all.

HERE ARE MY MONTHLY FINANCIAL DETAILS:
Net income after payroll deductions from all sources: $5300
Spouse's Income: $600
Total monthly family Income $5900
Mortgage/Rent: $1200
Phone: $100
Electricity & Water: $200
Car Loan and Operating Expenses: $400
Food: $ 400
Insurance: $150
Cable/Internet: $80
Clothing, expenses for children, etc. $300 
Student Loans:  $70 
Home Improvements:  200
Total Monthly Expenses : $3000
I will have $2900 left to make the payments on my Prosper loan.

CLOSING REMARKS TO LENDERS: This loan will make my life a little less hectic. All of the credit debt that this will consolidate are payed on time and in good standing 

Get out from CC debt

Purpose of loan:
I have one CC with a balance of $5000 and 2 CC's with smaller balances and an old medical bill totaling $2500

My financial situation:
I'm in a decent situation but can't seem to get on top of these old CC's and the interest is killing us!
Would like to get them paid/closed/shredded

Below is my income and doesn't include my wife's. We are also helping our oldest son with his student loans so this loan would be very beneficial to us.

Monthly net income: $ 3000

Monthly expenses: $
  Housing: $ 800
  Insurance: $ 150
  Car expenses: $ 200
  Utilities: $ 200
  Phone, cable, internet: $ 80
  Food, entertainment: $
  Clothing, household expenses $
  Credit cards and other loans: $ <remainder of monthly income>
  Other expenses: $

One step closer

Purpose of loan:
My husband and I own a bar.  Our bar stools and chairs have seen better days and we would like to replace them.  

My financial situation:
I am a good candidate for this loan because my husband and I are both working full time and we can afford to pay it back.  We did have a bankruptcy back in 2004.  It was a Chapter 13 and we paid it off early about 4 years ago.  Our credit problems are behind us.  We are current on all our current obligations.

I am also a Prosper lender.

My Monthly net income: $3220 (This is only my income and does not include my husbands)
2/3 Monthly expenses (as my husband's income pays the rest)
Housing: $1000 (taxes and insurance are escrowed)
Insurance: $110
Car expenses: $150 - gas/maintenance.  No car payment. ( plus my company pays my transit costs to take light rail)  
Utilities: $250  
Phone, cable, internet: $80  
Food, entertainment: $225 - groceries and eating out a few times a month
Credit cards and other loans: $110  
Child Care: $300 - we are so lucky to have a live-in nanny. The majority of our child care cost is paid in free room/board.   
Savings: $150
Life Insurance: $60
Kids College funds:  $75
Correspondence school: $35 (I am taking a marketing class)
Misc: $100 Charitable donations, school fundraisers, family pictures, birthday parties, special outings, family gifts, school supplies/registration fees, unexpected purchses/repairs, infrequent cleanings (vents, carpets) etc.,

Leaving over $500 a month to repay this loan.

Buy equipment for youth center

Purpose of loan:
This loan will be used to? Purchase computers, build a library, and to provide new audio visual and recreation equipment for the youth at our youth sanctuary.

My financial situation:
I have less than $500 total debt. My husband Pastors a church and many of our expenses are covered by his salary and stipend. I am a good candidate for this loan because? I have been through the storms of bad credit habits and I have aggressively educated myself as to what it takes to have a strong credit history and the benefits of it. I pride myself on being a woman of my word and of strong integrity.

Monthly net income: $ 2400-2500

Monthly expenses: $
  Housing: $ 0
  Insurance: $ 
  Car expenses: $ 0
  Utilities: $ 
  Phone, cable, internet: $ 75
  Food, entertainment: $ 200
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 25
  Other expenses: $ 150

Acquiring Franchised Business

Purpose of loan:
This loan will be used to? help secure the purchase of a New England Hotdog Co. Franchise. Specifically the kitchen equipment.  I have been able to secure the remaining required investment including working capital via personal lines of credit and self injected cash(savings)  For more in depth information regarding this exciting business opportunity, please visit www.NEHotdog.com.

My financial situation:
I am a good candidate for this loan because?primarily because my credit rating is over 700 which indicates a strong ability and track record of repaying my monthly obligations.(Capacity)  I have never filed bankruptcy and own my home boasting a lifetime clean mortgage history.(Character).  Also the loan is  backed by the equipment being purchased(collateral)

Please, also take into consideration future revenues of the business operations, which will increase the likelihood of your investment being returned promptly, because this is a startup business I am unable to use this revenue stream towards pushing down the debt to income ratio.

Thanks for your consideration.

Expansion of Successful Business

Purpose of loan:
We operate a successful computer consulting firm that has been in operation for over 8 years.  We have consistently been profitable every year of operation and have established a strong customer base in the local vicinity of over 1,000 clients.  We seek to expand our services based upon services rendered through a local nationally recognized university through which we have assembled a strategic growth plan document to govern growth activities.  Through this growth we will see an addition of 3,000-6,000 customers.  Finally, these funds will be used to cover operational costs of expansion into the new areas such as rent, initial payroll requirements for new employees and marketing requirements.

My financial situation:
We are presently in good standing financially and can continue to operate in given conditions, however we simply seek to expand our business in order to harvest the tremendous potential that exists in surrounding areas, some of which have considerably higher population density and thus will yield higher cash-flow and consequently facilitate further growth.

We will be able to realize a return on investment within the first 3-4 months of expansion according to our calculations beyond simply being able to repay the loan.

Looking to improve my credit score

PLEASE NOTE THAT THE INCOME AND DEBT TO INCOME RATIO ARE NOT INCLUDING MY HUSBANDS INCOME

Purpose of the loan: My husband and I got behind on our mortgage a little over a year ago due to my husband suffering from an illness.  During that time he was temporarily laid off because he had to spend a lot of time at the hospital.  We did not have health insurance and as you can imagine the bills went through the roof!!  His health was first and foremost to us at the time.  He has since been diagnosed and treated and is back to work full time as an electrician.  We have modified our mortgage and are current on all our bills (thank God!!)  We are looking for this loan to consolidate our credit card debt, the interest rates are extremely high.  We are turning to Prosper because our debt issues have been hard to overcome with conventional lending.  We want nothing more than to erase those issues and improve our credit scores to better our future. 

My financial situation: We are up to date on all our bills. This loan will be used to consolidate all our credit card debt and to pay off a pay day loan.

Why am I a good candidate for paying back this loan? Because my husband and I are working as hard as we can in the crazy economy to keep our heads above water.  We have overcome so many hardships in the past year and just want to feel free!!  We are hard working, honest people whom have had a tough time this year and just want to be on track financially so we can think about starting a family.

Monthly net income: $2,400.00 plus my husband's income of $2,800.00 - TOTAL INCOME: $5,200.00

Monthly expenses:

House: $1400.00
Insurance: $120.45
Car expense: $412 for my husband's car
Utilities: $200.00
Phone, cable, internet: $100.00
Food, entertainment: $200.00
Credit cards, other loans: $200.00
TOTAL EXPENSES: $2,632.45

Feel free to ask me any questions you may have.

Need a new Hot Water Heater

Purpose of loan:
This loan will be used to? Buy a new hot watere heater

My financial situation:
I am a good candidate for this loan because? My hot water heater just went out and I hate cold showers.

Consolidate Some Credit Cards

Purpose of loan:
The purpose of this loan is to consolidate my high interest rate credit cards into a lower rate with the same or smaller monthly payment. This will save me money and make you money.

My financial situation:
I am a good candidate for this loan because I have a job that I believe is secure. I have also taken out a previous loan on Prosper and paid it in full without ever having a late payment. If you look at how my credit score has changed since the last time I got a loan on Prosper you will see that my credit score has increased by 40 points. I am very proud of this score and don't want to screw it up.

Monthly net income: $
Income from Paycheck: $4,583
Income from Rental Property: $900 (one year lease that started July 1st of this year)
Monthly expenses: $
  Housing: $725
  Payment for rental property: $889
  Insurance: $110
  Car expenses: $330
  Gas: $130
  Utilities: $150
  Phone, cable, internet: $110
  Food, entertainment: $ 100
  Clothing, household expenses $ 150
  Credit cards and other loans: $ 563(I will replace $165 of this with the Prosper Loan)
  Other expenses: $ Most of the remainder of my income(I only listed minimum payments for the credit cards, I normally pay $150-$300 more a month.

Answers to questions I foresee:

Why did you pay off the Prosper loan with the Lending Club loan and not one of the credit cards with a higher rate?
    I wanted to cut down the minimum monthly payments I was paying each month and get a lower interest rate. I figured the best way was with a loan and not a revolving account. The rate I received from the Lending Club loan was 5% less than the Prosper loan was.

Why did you use Lending Club and not Prosper?
Prosper was not yet up and running at the time. If I would have just waited a week Prosper would have been back, but we didn't know that did we?

What interest rates are you getting on the credit cards you want to pay off?

The weighted average of the three credit cards I want to pay off is just over 25%. If I can get a better rate than 25% for the Prosper loan than the monthly payment will be less than the minimum monthly payment for the credit cards. I am comfortable with those payments and can make them every month.

If you have any other questions PLEASE ask. As long as they are serious I will answer them publicly so everyone who views my listing will see the answers.

Thank you for your time.

Business loan

Purpose of loan:
The purpose of this loan is to provide working capital to start but more importantly to run a business. I would be a dealer/distibutor and represent various manufacturers from around the country selling trade show exhibits, graphics and promotional products to businesses and organizations that go to trade shows. This is a busines to business selling environment. I act as a consultant to businesses, advising them on how to exhibit at trade shows. make recommendations on exhibits to consider for purchase or rental and facilitate the sale of these exhibits and graphics to the businesses I am working with. I make my money by acting as a middle man where I purchase the exhibits and graphics from manufacturers and in turn resell these products to the businesses I am consulting for. Profit margins are very good. I have been doing this type of work for over 13 years working for two companies in that time frame. It is now time for me to branch out on my own and start my own business using the above business model. I have a good client list that will immediately generate revenue and income. So the loan goes for start up costs(very low) and for making purchases from manufacturers of exhibits and graphics(primarily) that I will resell. I have very good, well established relationships with these manufacturers already. So I am not starting from scratch but rather continuing on but now I will be working entirely for myself and not anybody else. With this loan I will establish my own company and be able to get things rolling which will take four months or less to get cash flowing and realize operating income.
My financial situation:
My ability to repay the loan on a monthly basis is very good. I have the usual expenses, house, car payment, etc. but I only have one credit card with about $2500.00 on it. After the first month or two, I would pay for the loan out of revenue generated by the business and continue so until repaid. I do have a blemish(not recent) on my public record where I filed for bankrutpcy back in 2002. It was discharged. I have been able to rebuild my credit standing since then and have learned from my mistakes. I believe I am an excellent credit risk as the revenue I generate from the business will easily cover my expenses, this loan included and my revenue and expense projections indicate I will be in the black after just a couple of months and from there on out.

Business Building

Purpose of loan:
This loan will be used to? implement a strong marketing model to increase clients and increase revenues. I have a six month strategy to increase my revenues 60 to 100 percent. I own a business coaching franchise with a strong business model and support system.

My financial situation:
I am a good candidate for this loan because? I have a viable business with strong potential and a great marketing strategy. I also have maintained a good credit rating, paying all my bills in a timely manner. The information on this report about 19 delinquences in the last 7 years is not correct.

Home Improvment basement

To improve my basement into a lower level living area

Working Capital for small business

Purpose of loan:
Primarily to provide a short-term monthly cash-flow cushion to keep up with recurring bills and payments. Secondarily, I would like to use the account to pay for certain outsource costs which will free me up to generate more business. I bill my clients at the end of every month, net 10, but typically I am paid anywhere from 10-30 days. Rather than continue to dip into savings and/or credit card to cover this ongoing shortfall, then pay those accounts back, I would like to use this loan instead. I intend to put the loan cash into an interest-bearing account and set the Prosper payments to auto-deduct from this account.

My financial situation:
I am a good candidate for this loan because?up until a month ago I was employed full-time making $58k and managed to sock away enough money to stay afloat for 6 months, I have no car payment, and a monthly break-even of $2200 (includes personal and business expenses). I have run this one-person "freelance" business (LLC) since 3/98 even while being employed full-time, so I have a handful of loyal clients, however I would like to get more clients and focus on this business full-time. As it stands, I could continue on without this loan, however I would need to continue going in and out of my personal savings and I'd prefer to separate my personal and business money and have the peace of mind that comes with that. Lastly, I am aware that I'd be much better off getting a credit card or revolving account to serve my desired purpose, but with my not-so-hot credit (which I am actively repairing) I am not very likely to qualify for anything worthwhile.

I have lent a small amount of money through Prosper and see that this could be a viable solution for me.

Lower Existing Prosper Rate

Purpose of loan:
This loan will be used to pay off an existing Prosper loan in order to lower my interest rate and monthly payments. It would be great if I could cut my current montly payments in half especially in todays tough economic times.

My financial situation:
I am a good candidate for this loan because I have been a member of Prosper for a little over a year now and I have made payments on-time as agreed. I have a stable job which I am thankful for every day which allow me to continue making timely payments.

Monthly net income: $ 2300

Monthly expenses: $
  Housing: $ 500
  Insurance: $ 75
  Car expenses: $ 0
  Utilities: $ 0
  Phone, cable, internet: $ 150
  Food, entertainment: $ 200
  Clothing, household expenses $ 50
  Credit cards and other loans: $ 600
  Other expenses: $ 0

Total expenses : about $1600 which leaves me with $700 a month of expendable income.  

Paying off more bills

Purpose of loan:
This loan is to pay off the rest of my bills.

My financial situation:
I am a good candidate for this loan because I work full time and I am very responsible. I always pay my bills and rent on time.

Monthly net income: $ 640

Monthly expenses: $
  Housing: $ 575 for rent
  Insurance: $ 0
  Car expenses: $ 0
  Utilities: $ 0
  Phone, cable, internet: $ 75.18 cell bill
  Food, entertainment: $ 100.00 food
  Clothing, household expenses 50 to 100
  Credit cards and other loans: $ over 200
  Other expenses: $
Making 11.31 an hour and get 40 hours a week.

Family needs a new vehicle!!

This loan will be used to? buy our family a "new", used station wagon or van.  Currently, we have a '96 Nissan and a '94 Dodge Van.  The Nissan is in good working order, but the van has over 180,000 miles on it and we just need something more reliable.  So we are looking into purchasing a used station wagon or van.  We have managed to save up $1000, so combined with this loan of $5000, we should have enough to get a low-mileage, late-year vehicle.

My financial situation:
I am a good candidate for this loan because? I work for a tax accountant, so my yearly work schedule is full-time during tax season (mid-December through mid-May) and part-time the rest of the year.  My husband works full-time year-round and also receives additional income from refereeing soccer.  This additional income will make it easy for our family to make monthly payments on this loan.

Monthly net income: $ 3000.00Monthly expenses:  $ 2591.00
  Housing: $ 991
  Insurance: $ included in escrow on mortgage loan
  Car expenses: $550 (this is gas / maintenance / insurance)
  Utilities: $ 300
  Phone, cable, internet: $ 60
  Food, entertainment: $ 400
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 100
  Other expenses: $ medical 90.00

Investing in a Fourplex

Purpose of loan:
This loan will be used to?
put 20% down on the property and/or do any repairs
My financial situation:
I am a good candidate for this loan because? as you can see I have excellent credit.  I have stable income with my security position and other supplemental income.  I was able to save over $20,000 to put towards this investment.  This is a great opportunity to invest while prices are low!  Even with borrowing some of the down payment my return will be almost twice as much or more.  Having four "doors" to rent out is a great way to make your money back plus a profit. 
I have borrowed from Prosper before to pay off my wedding.  I was successful in paying it back in full in less than a year.

paying off credit cards

Purpose of loan:
This loan will be used to? Pay off credit cards to have only one payment due instead of several.

My financial situation:
I am a good candidate for this loan because? I've always paid my bills on time and never late. I currently have a loan now with prosper and it has not been late. 
I have some goals I am trying to reach. I'm trying to become debt free within 3 yrs. I work very hard every day and I am a very dependable person.
Monthly net income: $ 4000.

Monthly expenses: $
  Housing: $ 400.00
  Insurance: $ 57.
  Car expenses: $ 50.
  Utilities: $ 135.00        
  Phone, cable, internet: $ 100.00
  Food, entertainment: $ 200.
  Clothing, household expenses $ 100.00
  Credit cards and other loans: $ 500.00
  Other expenses: $

Paying off my personal credit cards

Purpose of loan:
This loan will be used to?pay off my personal credit card debt. 

My financial situation:
I am a good candidate for this loan because? I pay my bills in a timely manner, and I'm committed to taking care of my situations.  I do not live beyond my means personally nor professionally.  As with almost everyone, the recession made me take a few hits.  Thus, having to use the plastic to temporarily get through.  My debt will not go pass this amount, but I would like to tackle it and knock it all out at once.  With the financial assistance I can get my debt back down to where it is easily managed, and limit the use of plastic in the future...if at all!  Well, I thank you for your help and wish you well!

Goodbye Discover Card!!!!!

Purpose of loan:
This loan will be used to? payoff my Discover card.

My financial situation:
I am a good candidate for this loan because? I work full time, been married for 15 years with NO late payments on anything, have a personal goal of being debt free soon, and can't wait to start paying things off. 

pay and cancel credit cards

Purpose of loan:
This loan will be used to? consolidated credit cards and cancel cards

My financial situation:
My situation is much the same as when this original listed presented.  I am clearin 350.00 to 400.00 a month on craft sales but it is going all to pay on credit cards, but the interest still accualates and doesn' reduce.  The good part of attending these small markets, is that I receive leads for commissions.  I am working on 2 now that will produce income of about $2800.00 in about 6 weeks, they have paid a small design fee, $100.00 each and when final color selections are made next week, they will have to pay 50% of the commission on signing the order.  I want to clear up these debts and feel that the consolidation will eliminate the on going credit card interest, will little reducetion on the over all amount.  I am spending only what is absolutely necessary for supplies to comple a special job.  You help is appreciated.  The following information covering the total of card debt and expenses is almost unchanged.
I am a good candidate for this loan because?my fixed income of 1512.00  social security income and teamsters pension  of  292.00 plus craft sales of about 400.00 monthly will pay loands and living espenses. my load last year was to pay the credit cards etc, which I paid down.  I had already paid for 3 shows in the spring and decided to attend them since once accepted you cannot receive a refund.  These three were very promising for the coming year so I invested, thru the credit cards for 6 more shiows.  They the economy went bust and gasoline prices went out of site thus the resulted amount of credit cards used.  I currently have be accepted for showing my work .I am currently accepted for showing my work at a local Farmers Market Art Bazaar.  The market is only once a week on Sundays.  The first three weeks have shown promise of sales of about $150.00 weeks, which isn"t a great deal but will help clear up the out standing debt> Best part of this is that the show costs is only $25.00 per day(market in ran and supported by the City of Baltimore) and travel cost are very mininum.  I currenmarket tly have finished works of about $12,500.00 and work supplies of approximately $1500.00, so will not have to use credit to buy more supplies.  When I receive a special commission, I always require 50% down payment to cover the supplies.  I want to pay my accounts and be out from under this load as soon as possible.  This loan will give me breathing space.  My present load is and has been always current.  No defaults.  I have not defaulted on current credit cards, I may have had a late payment of only a day or so, I believe thru delays in the mail. 
Monthly net income: $ 2200.00

Paying off my credit cards!

Purpose of loan:
This loan will be used to consolidate my credit card debt.

My financial situation:
I am a good candidate for this loan because I am extremely motivated to get myself out of my current situation.  I have drafted a specific plan of action to get where I want to be. 

Monthly net income: $2700 (commission varies)

Monthly expenses: $
  Housing: $1205.00
  Insurance: $85
  Car expenses: $283 ($1500 left on car note)
  Utilities: $50
  Phone, cable, internet: $104
  Food, entertainment: $300
  Clothing, household expenses $
  Credit cards and other loans: $800
  Other expenses: $100

Pay Bills, HR explained PLEASE READ

Purpose of loan:
This loan will be used to? Refinance existing prosper loan, which has an excellent payment history, And pay off a few more credit cards.
My financial situation:
I am a good candidate for this loan because? I pay all of my financial obligations on time every month.  With my last prosper loan I was able to pay off my Credit cards and raise my credit score.  I was determined to never use those credit cards again, and I was doing fine with that, until my sister lost her job, and had no income coming in, so I decided to help her out, which in turn led me to using my credit cards again.  By using my credit cards, it has lowered my credit score, Not because I don't pay my bills, I do pay all of my bills on time every month. And I will not have any problem paying this loan back. I am a stay at home mom, receiving a guaranteed monthly social security income,survivors benefits, since the death of my husband.
I have no delinquent accounts, and the Public record listed is for a bankruptcy that was filed and discharged 9 years ago.  I will never file bankruptcy again. The two inquiries on my credit report are for loans that I applied for to help my sister out, but was denied.
Thank You for reading my listing, and for considering funding my loan. I will not dissapoint you, You will be paid back.

Monthly net income: $ 2400.00

Monthly expenses: $
  Housing: $ 450.00 (shared)
  Insurance: $
  Car expenses: $
  Utilities: $ 150.00
  Phone, cable, internet: $ 160.00
  Food, entertainment: $
  Clothing, household expenses $
  Credit cards and other loans: $ 500.00
  Other expenses: $

Debt Consolidation

Purpose of loan:
This Loan will be used to eliminate multiple Credit Card Balances.

My financial situation:
I am a great candidate for this loan! I have a long standing strong credit history and do not fall behind on my bills.  This will help me control expense with a fixed predictable payment and eliminate high interest credit card payments monthly!  This will enable me attain my goal of becoming debt free over the next few years!

Crushing Credit Cards

Purpose of loan:
This loan will be used to pay off my other credit loans and a Thrift Savings Plan loan. 

My financial situation:
I am a good candidate for this loan because I am invested with long-term savings and retirement plans and insurance and a State and Federal job that is secure. 
 
Monthly net income: $ 2544

Monthly expenses: $
  Housing: $ 300 
  Insurance: $ 100 
  Car/motorcycle expenses: $ 628
  Utilities: $ 70 - 130 
  Phone, cable, internet: $ 152 
  Credit cards and other loans: $ 400 
  
Food, entertainment, clothing, household expenses and other expenses are variable.  Gas is high here and I use my little motorcycle to cover the 70 mile round trip to my job and home to save as much as possible in our rural area.  My family and I try to spend as much time together close to home as possible as other expenses have taken priority, especially the unwelcome ones.  The rest is hit and miss, the kids get the majority of the leftover funds.  Its worth it for us to see them happy with the things that they receive.

I work hard and take care of my family to the best of my ability.  I make an obsessive effort to make sure that all of my bills are paid on time in full and then some.  Unfortunately, the business of creditors is to keep making money off of the borrower, but at some point it needs to end because it can get out of hand very quickly even if it is unfair or there has been a mistake. 

It is my intent to pay off several smaller balances of credit cards that all have individual balances below 2500 dollars and to pay back the remainder of my TSP loan which can be used to pay back this loan very easily with a small slice of what I actually have earned.  Basically, it is guaranteed that I can pay the loan back very quickly, within months to be exact.  I am a State and Federal employee which means I currently have good job security and an almost non-existent chance of losing my job unexpectedly.  In addition, I have good health and life insurance in the event of a long-shot death situation.  I have invested very well for the long term, but it currently makes it hard in the short term.

I would also like to note that prior to creating this listing, I checked my Experian credit score which I get every month and it was 715, so I guess it goes to show that the different agencies do show different ratings. 

Lastly, I appreciate this opportunity and anyone who considers this listing.  Thanks. 

PC Upgrade

I have been a very good borrower .. See my past history on Prosper.

Purpose of loan:
PC Upgrade, just want to update my systems.

My financial situation:
I own a home and have lived in it for about 6 years. I have a wife who also works, she makes about  $2500 a month.  My car is paid off which gives me extra money each month. 

Monthly net income: $2406.00

Monthly expenses: $997.00
  Housing: 900
  Insurance: 47
  Car expenses: 0
  Utilities: 120
  Phone, cable, internet: 150
  Food, entertainment: 40
  Clothing, household expenses 150
  Credit cards and other loans: 40
  Other expenses: 0

Inventory purchase

Purpose of loan: inventory purchase
My financial situation: I have a full time job and I have my own business. My business is picking up and I will have sales of $300,000 by the end of the year. The main problem is inventory since my business is based on net 7 to my supplier. I can rotate a certain amount of inventory but in order to make a bigger margin I have to purchase more inventory. I sell low cost staples and my problem is not the buyers, my problem is that I need always more products. As for payment, my credit can show that I'm never late on a payment. I have a full time job that supports me and every dime that comes in I invest in my business.

Paying off Credit Card

Purpose of loan:
Paying off credit card to get a AC for my home. I have 2 dogs and a Son so I need to get a AC to keep us cool, had to put in a new heater this past winter paid cash.
It gets very hot in the East Bay of SF its to the point an AC is needed. It has been getting warmer every summer.

My financial situation:
I am a good candidate for this loan because i have a good payment history ( 1 delq that has been paid in full). I put money aside every month for savings. so I will take part of that and pay off this loan.

Monthly net income: $ 5600

Monthly expenses: $ 3450
  Housing and Insurance: $ 1500
    Car expenses: $ 100
  Utilities: $ 175
  Phone, cable, internet: $  225 
  Food, entertainment: $ 500
  Clothing, household expenses $ 250
  Credit cards and other loans: $ 450
  Other expenses:( DOGS/ Child Support) $ 750

Just recently paid off 90% of my credit cards. Had 1 late payment, that whole card has been paid off. as of 7/3/2009

I also  put money away for my teenage son for college every month and I dont want to touch that. And still want to put money into it.

I'd Rather Pay YOU Interest!!

Purpose of loan:This loan will be used to pay off one of my creditors that will not lower an interest rate for me.  I like many others have had trouble with credit card companies playing "fair" when I am trying to be honest & pay them off. My financial situation:I am a great candidate for this loan, first of all because I'm a repeat user.  I've had a prosper loan before.  I was never late on a payment.  Prosper helped me climb out of the foolish trap of payday loans, and now I'm paying off my creditors~on my way to freedom!!!!   I have a card with 32% interest which is just ridiculous!  Trying to save a little.Monthly net income: $ I got a second job since my last prosper loan to help pay debt down quicker, I now bring home $1740.00 a month.  I am married, and my husband brings home $2300 a month, he takes care of the majority of our expenses.  Monthly expenses: $   Housing: $ 404.00   (husband pays)  Insurance: $ 102.00  (husband pays)  Car expenses: $ ------  Utilities: $ 280.00  (husband pays)  Phone, cable, internet: $ 100.00  Food, entertainment: $ 300.00  (husband pays)  Clothing, household expenses $ 50.00  Credit cards and other loans: $ 400.00  Other expenses: $

Consolidating debt.

Purpose of loan:
This loan will be used to pay off a couple of high interest credit cards and to fix my wifes minivan.

My financial situation:
I am a good candidate for this loan because I always make my payments.  The only late payment on my credit report is 30 days past due for $1 about 5 years and 4 months ago when I accidentilly paid $91 instead of $92 to capital one and they wouldn't take it off my credit report.  The only reason my loan is showing as high risk is because I didn't have a chance to verify income and because I have a lot of debt considering I have 2 house loans and because I maxed out my credit cards last year because of a lot of different things that happened.  I have since started paying down my cards now.

Monthly net income: $ 5,600

Monthly expenses: $ 4955
  Housing: $ 1,000
  Insurance: $ 155
  Car expenses: $700
  Utilities: $ 250
  Phone, cable, internet: $ 250(cell phone is $125 for wife and I)
  Food, entertainment: $ 500(groceries for wife, 3 kids and I)
  Clothing, household expenses $ 100(I don't have to buy a lot of clothes for my girls since my mother likes to)
  Credit cards and other loans: $ 1700(I have another house that I rent to someone and another personal loan I'm paying off)
  Other expenses: $ 300(medical expenses)

3rd loan from members

Hello Again!

Well prosper members itn the last few years i have had 2 loand with prosper,
and this will be my 3rd (part of this will pay off the second.)

My last loan moved us forward on completion of a house project. And we are picketfence America. Thanks to Prosper
Now, I would like to finish up the downstairs. I have been in my home for 10 years., and it will be the last home we will ever have.
I have been with My company for over 8 years and in the same line off work for 16 years. And, Now that my youngest is older, My wife will be starting a new job in sep. Married for 15 years.
I have kept working throught the tough times, and made every payment I owed. But trying to get and equity line has been a pain.
Almost every credit line I had, was reduced to current balance. As I'm sure You may have heard of happening. It crushed my score. And I make my payments! I didn't go house crazy despite My income I just learned about moderation. But, I'm still put in the middle of an unfinished project.
I will use these funds to finish up the basement and pay down some other bills. and when the mortgage world loosens up I will pay off this loan.

I have paid off a $7500 loan and we will be paying off my current prosper loan.

Step up make some $$ for yourself and i will follow through with my end.

Thank you for your consideration.

Get Finances in Order

Purpose of loan:
This loan will be used to consolidate debt and pay it off.  I have a lot of debt that I need to consolidate.  I am handling my payments very well on all of them separately, but I'd like to get them all in one payment. 

My financial situation:
I am a good candidate for this loan because I pay all of my bills on time and I have never missed a payment.  My money is valuable and I know that yours is too so I would never do anything to jeopardize that. 

Monthly net income: $ 2000

Monthly expenses: $ Not much.  I live at home.   Parents are helping me save money. 
  Housing: $
  Insurance: $
  Car expenses: $ 500
  Utilities: $
  Phone, cable, internet: $
  Food, entertainment: $
  Clothing, household expenses $
  Credit cards and other loans: $ 130
  Other expenses: $

TRYING to stay in school!

Purpose of loan:
This loan will be used to pay off some outstanding debts I have so I can concentrate fully on finishing my degree and becoming a teacher.

My financial situation:
I am a good candidate for this loan because when I graduate I will have a very steady and monetarily beneficial job.

Lower APR

Purpose of loan:
This loan will be used to pay off credit cards that have high APR's

My financial situation: Very good. I have a good safe job in this economy.
I am a good candidate for this loan because I have a good job and pay my debts. I paid off my last prosper loan ahead of time

Monthly gross income: $2896.00 (does not include wife's salary of 1600. gross each month)

Monthly expenses: $
??Housing: $360.
??Insurance: $100
??Car expenses: $810
??Utilities: $250.
??Phone, cable, internet: $180.00
??Food, entertainment: $300
??Clothing, household expenses $100
??Credit cards and other loans: $343.00
??Other expenses: $

Debt Consolidation Loan

Purpose of loan:
Pay off all my higher interest credit card and  loans.   I'm currently at my max credit limit because my job moved me and I currenlty have two houses, I've tried to sell the second home; however, the market is slow and I'm currently renting it until I can sell.  I'm trying to consolidate my bills into the  refinance of my current house which will improve my credit rating and credit posture.
My financial situation:
I am a good candidate for this loan because I have NO late payments.  I work for the government and have to keep a good credit rating because of my Top Secret clearance.
Monthly net income: $ 10,000.00
Thanks for helping me.

My bailout

Purpose of loan:
This loan will be used to? Payoff several payday loans and get needed car repairs 

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

To be perfectly honest, I did something very stupid  which has now come back to bite me. I foolishly took several payday loans which I want to desperately payoff and be rid of to never do again. The finance charges have become a bit overwhelming and leave me scrambling to make up the shortfall. I have painfully learned my lesson. They take a fixed amount from me each pay day which amounts to a total of $650.00. Since I get paid twice a month, that totals $1,300 a month just in interest charges with no reduction to the principle.  I am sure that there is a better, cheaper way out there and that is why I am here seeking assistance. If I were able to get these funds and pay off these leeches, I could easily pay back a minimum of $300.00 per month  to pay back this loan with the $1300.00 savings I would be getting. I am an excellent candidate to receive this loan because once these payday loans are gone, this will give me about $1,100.00 in remaining income after all my current obligations are paid. I have made a spreadsheet which lists my income and expenses which I will gladly provide if requested.Monthly net income: $ 3,726.08

Monthly expenses: $ 2,625.51
  Housing: $ 1,619.08
  Insurance: $ N/A
  Car expenses: $ 100.00
  Utilities: $ 150.00
  Phone, cable, internet: $ 210.00
  Food, entertainment: $ 150.00
  Clothing, household expenses $ 75.00
  Credit cards and other loans: $ 140.00
  Other expenses: $ 1,300.00 (Payday Loans)

Paying off my credit cards

Purpose of loan:
This loan will be used to? consolidate high interest debt incurred due to no fault of my own.

My financial situation:
I am a good candidate for this loan because? I have never missed or made a late payment of any type in my life.

Monthly net income: $ 3500

Monthly expenses: $
  Housing: $ 300
  Insurance: $ 140
  Car expenses: $ 120
  Utilities: $ 160
  Phone, cable, internet: $ 170
  Food, entertainment: $ 200
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 1600
  Other expenses: $ 0

&quot;Buying a rare car&quot;

Purpose of loan:
This loan will be used to purchase a rare (less than 13,000 left) Toyota Supra, which has 6 speed manual transmission, targa top, and twin turbo V6 engine with 320hp.   

My financial situation:
I am a good candidate for this loan because i always pay on time or quicker than i should.  My goal is to have perfect credit so no leander should worry about me not paying.