Excellent Prosper Borrower

ABOUT ME: I'm single, a professional writer, blogger and teacher. I have been a good Prosper Borrower since 2006, and my account is current.

MY SITUATION
I was laid off from my job of almost two years in February 2009. Jobs in this area?currently are scarce outside of the healthcare field, but with Unemployment, grants from professional organizations and freelance writing jobs,?I'm getting back on my feet. I?always make sure I have funds available to cover my prosper loan!
However, for future job security I've started two web site businesses, and desperately need funds to develop them. Both are new but already popular, one even prompting an email from a literary?agent. Both appeal to college age and professionals.?I have plans to market and sell T-shirts beer mugs and other accessories for both sites and?will be shooting?a YouTube promo video shortly.

WHAT I WILL DO WITH?MY LOAN:
1. Pay off payday loans I resorted to using to start the businesses. (about 1500.00)
2. Use the rest to pay an experienced web designer to finish the Bald Men web site, purchase and make Bald Men T-Shirts and Beer Mugs, and hire a good videographer for our YouTube video.
3. Put 500.00 away in my business account for emergency use.

MONTHLY FINANCIAL DETAILS:
Net income from Unemployment: 391.00 weekly
Additional income from commission and free lance fees: 900.00 month
Total guaranteed monthly income $ 2464.00

Rent: $ 640.00
Phone: $ 30.00
Gas: $79.00
Electricity & Water: (included in rent)
Car Loan: $ 362.00 (I plan to trade in my car next month for a cheaper model.)
Prosper Loan: 65.00 (will be paid off November 2009)
Food: $ 240.00
Insurance: $ 65.00
Cable/Internet: $77.00
Clothing, expenses, etc.:$100.
Other: $150.00 due credit cards and payday loans. Cards will be cancelled and loans paid in full.

Total Monthly Expenses: $ 1808.
This leaves me with a minimum of 656.00 per month to repay my Prosper loan.

CLOSING REMARKS TO LENDERS: I'm asking for a chance to prove myself?with my two small businesses which are already receiving "buzz" in their infancy.?My Prosper.com payments are and will continue tobe my top priority each month. I have no family that I can borrow from, and I haven?t been able to get anywhere with traditional business loans. Prosper is really my only hope.

If funded, I will continue to stay active with?the Borrowers?Group through the life of my loan, and as a hopeful future Prosper investor, for long after. Thank you very much.

XBox 360 and PC Gaming Center

Starting a new business in the Connecticut area.? I have owned other businesses in the past and know what it takes to succeed.? I have a BS in Business Management and Organization.

The business will be going into an area where there are few activities for teenagers and young adults.? We will be targeting that segment with an emphasis on a fun, safe environment for people to meet with a common interest, a passion for video games.? We will be generating revenue in a few different ways:

An hourly rate to play at a station.
A membership fee
Tournaments on a weekly basis
Video Game Leagues
Food and drinks
Resale of new and used games.
PC and console repair

I already have the location already chosen and am ready for build out.

This loan will pay for equipment and POS system.

I am more than happy to answer any questions you may have.

Paying off high interest debt

Purpose of loan:
This loan will be used to? To pay off high interest debt

My financial situation:
I am a good candidate for this loan because? I pay my bills on time and I have reducted my overall debt by over $ 40,000 in the last three years.? My wife and I have total gross income of approximately $ 150,000 per year, but because of high debt to credit line limits and some finance company debt our credit score is in the 670's.? We have ever default on any loan.? We do own our home with mortgage, which is listed in the Monthly expenses.? The mortgage is with the North Carolina State Employees Credit Union for some reason it does not show on the credit report.

Monthly net income: $ 9250

Monthly expenses: $
??Housing: $ 1230 PITI
??Insurance: $ 1170 (Medical, Life and Auto)
??Car expenses: $ 300
??Utilities: $ 225
??Phone, cable, internet: $ 320
??Food, entertainment: $ 1250
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1091
??Other expenses: $

Debt Consolidation

Purpose of loan:
This loan will be used to?? I need a short term loan to pay off an existing 401K loan.? I need to do that before I can borrow again from the 401k and completely eliminate my short term debt.? I am willing to pay a small premium for the short term.? I?expect to pay the loan off in 90 days.

My financial situation:
I am a good candidate for this loan because? I have stable employment and does my wife.

Wedding For Daughter

Purpose of loan:
This loan will be used to? For the balance of my daughter's wedding.? She has been able to pay for most of it, however, has had some health issues and hasn't been able to pay for the rest.? She is my only daughter/child and I would really like to help her out.?

My financial situation:
I am a good candidate for this loan because? I work for local government and in my line of work a person has to be honest and trustworthy.? I have been at my job for almost 20 years.

Monthly net income: $ 2236.00

Monthly expenses: $
??Housing: $ 815.00
??Insurance: $ 100.00
??Car expenses: $50.00 (all my vehicles are paid off)
??Utilities: $ 100.00
??Phone, cable, internet: $ 50.00
??Food, entertainment: $ 420.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 200.00

Payoff Taxes and Prosper Loan 24%

Purpose of loan:
This loan will be used to?
-Payoff IRS Taxes.?$3200Currently paying $750 mo. with 40% going to interest\penalty ! Feels like a losing battle
-Also will payoff current Prosper loan at 24% $490 / mo? $6700
My financial situation:
I am a good candidate for this loan because?
Excellent monthly income . NEVER been late\delinquent EVER.?No Collections EVER?I have incredible respect for my credit profile ! This loan will be paid within 8-12 months in full. Healthy 401k with a 4K in savings

Monthly net income: $ 8000

Monthly expenses: $
??Housing: $ 1850
??Insurance: $ 130????????
??Car expenses: $780
??Utilities: $?200
??Phone, cable, internet: $?125
??Food, entertainment: $?200
??Clothing, household expenses $?75
??Credit cards and other loans: $ 200
??Other expenses: $

Launch new subscription based websi

We are a self-help marketing service for small business owners.
We understand small business owners are not typically marketing people. Our site is designed to give a them the news, education, and resources to make decisions about how to market their business without the high costs of agencies or the influence of commisioned sale reps.
The site is priced at $29.97/mth. Membership includes access to the "Education" and "Resources" sections. Non-paid members also have access to the news section that provides information on marketing trends and concepts. The site is designed to keep people coming back regularly for new ideas.
Funding for this website will take the site to a professionally-hosted carrier that is capable of integrating all of our pieces together. It will also go into salesoriented copywriting and materials as well as content development including webinars, podcasts and workbooks. It will also go a nationwide launch of the site.
We are setup and ready to thrive, your financial help is all that is missing from our current status in BETA mode into a true nation-wide roll out.

Maxed medical $$ - need lower rate

Past medical bills (high deductibles and copays) from a car accident and surgeries have maxed out my credit. I'm hoping Prosper lenders will fund a loan, lowering my interest rate and monthly payments. After decades of keeping up the highest credit scores, I?m now on the verge of falling behind on payments due to new increases. My credit rating has been on a downhill slide; I plan that funds from a new Prosper loan (if you?re willing to help fund it) will reverse that trend. I?ve recently paid off one Prosper loan with a perfect payment record. Past Prosper loans funded the remodeling of my four vintage rental units in the SF Bay area, resulting in higher rental income -- guaranteeing large monthly cash flow -- and the rental income carries the cost of the property. I just have not been able yet to amass the totals needed to pay off the debts.

I?m a hard-working, responsible health professional employed part time (as program manager and supervisor of a staff of 5), and I?m also in private practice part time. I?m well-respected professionally in my region, and I have recently been awarded health profession state education grants to repay my student loans.

If you?d like to know more about my current budget, current downhill slide, or future plans, please contact me via Prosper.

Thank you for considering my need.

Consolidating High APR Credit Card

Purpose of loan:Consolidating 2 high APR credit cards
Hi, I need a loan to help me finish paying down my debt. I am a small business owner in my 7th year of profitable operations with contracts in place for consistent cash flow.
I have free cash every month and have already reduced my debt from $34,000 to just over $20,000 in the past 2 years.
I'd like to get fixed payments and a more reasonable APR to help me reach my goal of getting out of debt for good. I am 31 years old, in a relationship, on my way to marriage and really want a clean financial slate before starting a family.
My financial situation: I've made over $45,000 a year for the past 2 years and am on my way to an even better year even in a tough economy. I have very low expenses and consider getting out of debt an extremely high priority. I'd like to be able to buy a house in a few years and want to maintain excellent credit.
I am a good candidate for this loan because I am responsible, never make excuses, have good credit, good income, and paying you off is one of my highest goals and priorities. Thanks for helping me reach that goal.

Remodeling Master Bathroom

Purpose of loan:
This loan will be used to remodel a master bathroom.

My financial situation:
I am a good candidate for this loan because of my work history, professional level attained, number of employees responsible for and the multi-million dollar budget Im responsible for managing annually.

Monthly net income: $ 5,000

Monthly expenses: $
Housing: $ 1,200
??Insurance: $ 145
??Car expenses: $ 280
??Utilities: $ 300
??Phone, cable, internet: $ 110
??Food, entertainment: $ 200
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 375
??Other expenses: $65

Zero debt - please read!

Purpose of loan:
I have finally paid of?all my debt excluding my wifes loan on our home as of 8/11/2009!!!?? Am on my way to rebuilding my credit.?
This loan will be used?for a new washer and dryer?and a couple other household items that are in dire need of repair.??
I work for Boeing as a Project Manager leading a software program working on the 787.



Monthly net income: $
5,500
Monthly expenses: $
??Housing: $ 1000.
??Insurance: $ 75
??Car expenses: $ 100
??Utilities: $ 100
??Phone, cable, internet: $?100
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $?zero

Next step for my small business!

Purpose of loan:
I am seeking a loan is for the purpose of purchasing a new production welder. I started my own steel fabrication company in mid-2008, and it?s been quite a success so far. I have many return customers, including big corporations (i.e. Legacy Apartments). Welding is a crucial component of the products I make for my customers. However, I have owned the welder that I am currently using since I was very young, long before I started my company, and I have found that it is no longer adequate for the high-quality and detailed work that I am starting to do more and more of. For this reason, I need a newer, more up-to-date welder in order to meet the demand of my customers and further the success of my company.

This loan will be used to:
The equipment I will be buying is a new Lincoln Power Wave C300 welder, along with attachments for both MIG and TIG welding. The total cost of this equipment will be approximately $4,700.

My financial situation:
I currently make anywhere from 1,000 to 7,000 plus dollars a month through my company, depending on customer supply and demand. My overhead expense for operating my business is virtually non-existent. I currently rent a house with roommates, and pay $600 a month for that, but have no other loans or expenses aside from monthly utilities.

I am a good candidate for this loan because:

Though my income is sufficient enough to purchase the welder out of pocket, taking that amount of money out of my cash flow would set me back too much to be reasonable. Paying interest on a loan would be much more financially adept on my part. I have not been approved at my bank for a loan of this nature, because having started my company only a year ago, I do not have the two years of tax returns required for a business loan at that particular institute. They reviewed a loan application I submitted to them, and I was told that I would absolutely be approved if I had my second year of tax returns?but not having them was an obvious setback that made me ineligible to receive the loan I need to essentially keep my company on the cutting edge.



Thank you so much for your time in reviewing my application.
www.tssfab.us

Managing My Debt

Purpose of loan:
This loan will be used to pay Credit Card Debit and improve my Cash Flows.

My financial situation:
I am a good candidate for this loan because, I always pay my credits on time, have no default payments. I just completing paying a Prosper Credit with no issues. I am looking for a loan to consolidate my Credit Card Debt and overall imporve my cash flow. I will not acquire new debt in the near future.?

Monthly net income: $ 8200

Monthly expenses: $
??Housing: $ 2600
??Insurance:?Included in Housing and?discounted already in my income.
??Car expenses: $?550 - Includes Car Insurance and Secured Loan.?
??Utilities: $ 600
??Phone, cable, internet: $?130
??Food, entertainment: $ 400
??Clothing, household expenses $ 400
??Credit cards and other loans: $?500
??Other expenses: $ 800

Home Improvement

Purpose of loan:
This loan will be used to?replace windows and insulate our farm home before winter

My financial situation: gainfully employed as is my husband and oldest son who still lives at home, works full time and helps out with bills
I am a good candidate for this loan because? I pay my bills on time and I'm a honest parent trying to raise 3 children

Monthly net income: $ Total amongst all three of us is $4500.00 monthly

Monthly expenses: $ 3577
??Housing: $ 835
??Insurance: $ 250
??Car expenses: $ 522
??Utilities: $ 300
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 670
??Other expenses: $ 300

0 late pays-expand business

Purpose of loan:
This loan will be used to help purchase second piece of rental equipment.

My financial situation:
I am a good candidate for this loan because I expect steady income growth during coming year. I offer low cost tractor rentals, and the economic slowdown is increasing demand for discount services. I have increased advertising this year and expect business to increase further as the economy improves.

paying off some small bills

Purpose of loan:
This loan will be used to?

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

Monthly net income: $ 1500.00

Monthly expenses: $
??Housing: $200.00
??Insurance: $44.00
??Car expenses: $ 80.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 114.00
??Food, entertainment: $100.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $00
??Other expenses: $ 300

Credit card payoff & used car buy

Purpose of loan:
This loan will be used to pay off remaining credit card debt and to purchase a reliable, used car.

My financial situation:
I am a good candidate for this loan because I work as the Office Administrator at a family-owned consulting firm, at which I have been employed since December 2005.? Part of the purpose of the loan would be to eliminate my remaining credit card debt of approximately $10,500.? I have been enrolled in a debt management program with CCCS of Greater Atlanta to pay off the debt and have reduced the amount by half over the past 2 ? years.? I have made consistent payments, and have not ever been late on any of those payments.? The rest of the loan would be to purchase a reliable, used car as my current car?is hanging on by a thread. ??I am attempting to get this personal loan in order to have one monthly payment.

I am responsible, have long-term, stable employment and pay all of my bills first?before spending money on anything else.? I will also be working a second, part-time job in the evenings and on the weekends?in order to ensure prompt and complete repayment of the loan.? In addition, my fiance will be assisting in the repayment of the monthly loan payment.

Business Capital

Purpose of loan:
This loan will be used to??Keep?up with payroll for future projects?

My financial situation:
I am a good candidate for this loan because? I am an experienced contractor with a backlog of construction projects.

Monthly net income: $ 6,000

Monthly expenses: $
??Housing: $ 1,500
??Insurance: $ 200
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 350
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $

Refinancing personal loan

Purpose of loan:
This loan will be used to refinance a personal loan my wife and I took out to purchase the remaining interest in home jointly owned with my sister-in-law.? The loan would only be feasiable if it is lower than the current interest rate.

My financial situation:
I am a good candidate for this loan because I have a proven track record of promptly paying my loans.? You may note that I had 3 payments as <30 past due on my prosper loans but that was due to confusion on my bank accounts which when discovered was promptly corrected.

Including income from my wife we earn over $160,000 a year or $12,000 a month.? Below summarizes our monthly income and expenses.

Monthly Cash Flow

Income
Net Paychecks -?$9,000
Rental - $1,495
Total Income - $10,496

Expenses:
Car Loans - $935
Student Loans - $200
Mortgage - $2,400
Personal Loan - $200
Living Expenses/Credit Cards?- $4,700*
Total Expenses - $8,435

Net/Savings - $2,060

*We pay-off our entire credit card balance when they are due.

Building a Better Community

Purpose of loan:
I have had the unique opportunity to be able to?share my business success and newly hire 2 people in the community. I am looking to expand my business even further and need help with?flowing capital. As I am recently in progress of incorporating, ?my funding currently is very limited. Throughout my community outreach efforts I have noticed one of the hardest transistions for those in need is employment. I?will be able to offer new jobs?with my expansion. My purpose for requesting this loan is to ask for?your help?in building a better?community. I believe investing in people is never an expense but is always a requirement for success. ?

My financial situation:
I?am a good canidate for this loan because as a small business owner?I am well aware of maintaining good relations with all people, including investors. I am looking to expand to help others and am?financially able to repay any debt incurred while doing so. I have not had any late payments on my?current debts and do not?foresee having any in the future.?I humbly ask you to consider my request and look forward to working with you in the near future with my financial needs.

Selling our Home

Purpose of loan:
This loan will be used to? Pay off the difference between what we owe on our home, and the current purchase offer we've received from a buyer.? We are not late on our payments, but want to have children and cannot to afford our home on one income.? We need to sell, and we want to pay off the difference on the loss and not go to a short sale, we want to pay our debts in full.

My financial situation:
I am a good candidate for this loan because? once we receive this loan, we will be able to pay it down quickly as we'll have our $3700 mortgage payment off of our books.? We plan on paying this loan off in a year, so we can start our family...

Personal fitness studio expansion

Purpose of loan:
This loan will be used to better market and expand the fintess studios I?own with my business partner. The studio brand name is Kinespirit, We?own and operate two studios in the New York City area specializing in Gyrotonic exercise and Pilates. Our customer service focus as well as committment to client goals and achievement have made us a premier studio destination for mind and body fitness in New York City. We plan to use the proceeds of this loan?for two main efforts:

1) Increase our marketing efforts in order to increase our client base.
2) Expand our retail offerings, including creating our own line of high margin Pilates DVD, media, and products

My financial situation:
We are great candidates for a loan because our businesses are in fact profitable on a total of over 800k in revenue a year - even in this down economy.?Both my business partner and I have credit scores over 740. We have proudly never missed any kind of payment or obligation since our business opened its doors in September of 2006. In addition, we are both home owners.

In addition, my family is s 2 income household with no kids. We have a combined income well above $100,000+.

PAY OFF CREDIT CARDS

Purpose of loan:
This loan will be used to? PAY OFF A HIGH RATE LOAN AND PAY OFF ALL MY CREDIT CARD DEBT

My financial situation:
I am a good candidate for this loan because? I AM A CREDIT FINANTIC, I MONITOR MY CREDIT WEEKLY, EVER SINCE MY DIVORCE I HAVE FOCUSED ON GETTING PERFECT CREDIT AND IN 6 MONTHS I WILL HAVE REACHED MY GOAL. / I HAVE MONEY IN THE BANK, I HAVE OVER 200.000 IN MY IRA AND MY COMPANY IS BOOMING AND SECURE!!!!!

Monthly net income: $
5200
Monthly expenses: $
??Housing: $ PAID FOR
??Insurance: $ 150
??Car expenses: $ 600
??Utilities: $ 400
??Phone, cable, internet: $ 130
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

New, more reliable car.

Purpose of loan:
This loan will be used to purchase a new, better car.? Im tired of fixing little things on my current car and with this loan and my trade in, I can buy something with a warranty.

My financial situation:
I am a good candidate for this loan because I work for my family business which is very stable.

Former Marine want to be ripped off

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

My financial situation:
I am a good candidate for this loan because I enjoy paying outrageous interest.? I could get a loan from a bank at 9% but it just seems like so much fun to pay 38% instead.? I am completely stupid so I won't know the difference.

Monthly net income: $ 1,680.00

Monthly expenses: $ 1,503.29
??Housing: $ 442.66
??Insurance: $ 100.00
??Gas expenses: $ 90.00
??Utilities: $ 180.00
??Phone, cable, internet: $ 105.00
??Food, entertainment: $ 350.00
??Credit cards and other loans: $ 160.63?
??Other expenses: $ 75.00

Buying a new car for our family

Purpose of loan:
This loan will be used to purchase a new vehicle for our family.

My financial situation:my wife and i are both employed full time. i am a minister and she is a teacher. We are both responsible and pay our debts on time.
I am a good candidate for this loan because I am honorable. I pay my debts on time. we need a descent family car. The car I am looking at is a great deal and is worth more than the loan we are asking for.

teacher 2nd loan credit +60 help!

Purpose of loan:
This loan will be used to pay for?required college classes?and catch up on bills. ?

My financial situation:
I am a good candidate for this because?it will be my second Prosper loan and I have never missed a payment.? I have a contract teaching position at a solid school district.? However,I am teaching outside of my BA licensure and I need to finish?special education?credits??to maintain my teaching position.?? I have completed 15 of the 30 credits with a?3.75?GPA.? I love my career and have worked for the same district since 2005. I have been asked to mentor new hires in my field for the upcoming school year, which I hold as a high compliment and an opinion of my work.? Due to several family health?issues in 2006 and 2007?we obtained a high amount of debt that I know we can turn around.? Also, when I first went back to college for my BA we made a detrimental credit decision that has haunted us ever since.? I am looking for someone to help me achieve my goal.? I have been happily married for 19 years this September, have two wonderful daughters ages 9 and 12, and I would really appreciate your consideration.?I also work part-time at another job and my husband works full-time in the same district adding another $2500 to my net monthy income.? I would be happy to answer any questions.?

My credit score has raised more than 60 points since my last loan.

I am now current on all of my bills (I was late on a couple this summer because I had to take/pay for college classes).

Monthly net income: $ 2900 (plus husband and part-time job)

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 270
??Car expenses: $ 395
??Utilities: $ 100
??Phone, cable, internet: $ 70
??Food, entertainment: $ 320
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 100

Looking to finish remodel

Purpose of loan:
This loan will be used to finish off last little things of the remodel of me and my husband's home to it make things easier to care for my sick daughter.
My financial situation:
I am a good candidate for this loan because I have very little debt and we will?be reimbursed by her trusted fund for all remodeling to the home .

Austin

Purpose of loan:
This loan will be used to?
attorney fees
My financial situation:
I am a good candidate for this loan because?
this is for the well-being of my grandson
Monthly net income: $ 650

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

Buying A Utility Vehicle

Purpose of loan:
This loan will be used to purchase a different utility or re-model the one I already own since I bought it new in 1996 and already know what needs to be done to make like new.

My financial situation:
I am a good candidate for this loan because I'm a very safe business prospect as evidenced by the fact that I've recently finished paying off a $28,000 loan with Bank of America.? They send me blank checks to trap me again at exorbitant interest rates.? (I can provide proof if needed)

Pay off payday loan and auto repair

Purpose of loan:
This loan will be used to pay off a short term loan with extremely high costs. Once it is paid I will have no problems meeting my budget.

My financial situation:
I have a good job with a decent income. I had some expenses I needed to pay and took out a couple "payday loans" in anticipation of receiving a small settlement from my mother's estate, which was expected to close in July. It now appears it will be delayed for several more months. The payday loans have put me in a positiion where it's difficult to meet my budget. My credit score may be low due to the amount of obligations I have, but I've never had late payments on any of my accounts. My savings are primarily in my 401(k) and I'm not eligible to draw on that at this time.

Monthly net income: $ 4,700

Monthly expenses: $
??Housing: $ 1034
??Insurance: $ 80
??Car expenses: $ 334
??Utilities: $ 200
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Buying Inventory to expand business

Purpose of loan:
This loan will be used to?
Fund equipment purchases?to expand?landscaping business.
My financial situation:
I am a good candidate for this loan because?
This is my second Propser loan.?The first loan has been open for 2+ years and all payments have been made on time.?The business that I started has taken off and I now have two employees.?I am looking to purchase a company vehicle, as well as additional landscaping equipment.?I still work part-time for my former boss. I have known him for over seven years and he continues to guide me?with my business.? I am young and still establishing my credit, which is why I am turning to Prosper for this loan. ?

Monthly net income: $4,500.00

Monthly expenses: $
??Housing: $ 250.00
??Insurance: $ 450.00
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 150.00
??Other expenses: $ 0

Capital - Business - Growth

Purpose of loan:
This loan will be used to expand our business?

My financial situation:
I am a good candidate for this loan because? I always pay my debts

Paying off credit cards

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

My financial situation:
I am a good candidate for this loan because I am a Case Manager at a large Los Angeles based law firm and I have a steady income.? I have a large amount of outstanding credit card debt, however, I am not delinquent and?I am able to make the monthly payments.? I also have additional income that can assist me with making the monthly payments.

PhD candidate debt consolidation.

Purpose of loan: I will be using this loan to pay off credit card debt I have accrued over the last year few years, including a new macbook pro, as my current one is almost done. I can afford to pay them, but as credit card APRs have increase recently (mine have without any reason), I would rather see my debt consolidated and not watch a large corporation profit from my debt.

My financial situation: I am a PhD candidate in Nuclear Engineering at UC Berkeley; almost completed with my dissertation (will file in October), finally! Admittedly, my finances are not perfect as I would rather not be in debt, but a student salary while living in the Bay Area can be quite difficult to manage!

Short Story: I have credit debt at $4870 because of the costs of life. Although single now, getting engaged (and the ring that goes with it) is costly. Also, having to get a replacement laptop is costly, my research in numerical modeling for my degree requires it. Student salaries cannot really finance those expenses, while credit can. I would like to see my interest lowered and payments consolidated. Also, I have an additional loan with prosper at $1,726, which I have been diligently paying since receiving it a few years back. I would like to consolidate all of these loans into one lump payment.

I am currently working as a graduate student researcher at Lawrence Berkeley National Laboratory, but most likely will be teaching a class at UC Berkeley this semester, while searching for a professional job for the beginning of next year, where, finally, I will make a salary. I currently net $2050/mo.

Monthly Costs:
Insurance: $0 (medical dental vision included in my student health insurance, hopefully everyone one day will have medical insurance in this country).
Other: $75
Car expenses: $0 (Berkeley! We don't own cars here, bikes instead)
Utilities: $80
Prosper Loan: $170
Credit Card: $200
Phone & internet: ~$150 ( I don't watch television)
Food, entertainment: $500 (a very liberal estimate)
Clothing, household expenses: $100
Other loans: $0 (Have student loans but don't have to pay them until after I graduate, upon which they should be ~$300/month.)
Other expenses: ~$50 (Mass transit costs)

So you can see from this my total bills, (excluding the costs of my credit card and Prosper loan - $370) is ~$1555. With a $6000 loan at 15% interest over 3 years, payments would be around $208/month, for a total around $1800/month, a very reasonable goal. I hope this is enough information to assure you that I am good investment. If not, please feel free to ask me any questions. In the future, I too, hope invest in the Prosper marketplace, helping people like me.

Thank you much, and good luck bidding.
-Nuclear in Berkeley

Decks=Expensive- 3rd Prosper Loan

Purpose of loan:
I'm looking to get a deck installed before the winter comes. I need about $6,000.? I have had 2 previous loans on Prosper.? One has been paid off and one is more than half paid off. While this is a luxury and not a necessity, I have factored in my ability to repay (even with interest) vs. how badly I want a deck.

My financial situation:
I've been at this current job for about 18 months now.? I ran into some credit problems back in 1992, but haven't been late on anything since then.? I have worked hard to get my credit back to where it's at.? You can see that by just looking at the jumps in my credit score over the last couple of years.

I own (well, the bank owns) my house with my wife, dog, and 2 cats.? We have a newer model car that is financed because my wife drives a lot and needs something reliable.

Monthly Budget:
Income: $4576 (take home)
Mortgage + Utilities: $2000
Other Prosper Loan: $240
Car + Insurance: $400
Zero Interest Grant Payback: $300
Student Loan: $75

Net left for other expenditures/savings/fun: $1,561 (not counting wife's leftover)

My last request was at 48% funded with 2 hours left, so I pulled it.? I'll start this at a higher interest rate and hope for a bid-down.

Keep in mind that the picture is that of a "dream" deck - it does not represent what we would actually be getting for $6,000.

payoff cash adv. used for emergency

This loan will be used to?pay off a cash advance I made due to having to?do emergency repair to?our bathroom which the floor was falling in, which was very costly but had to be done immediately,?if my loan is funded I can pay off my?cash advance entirely and not have to pay their outragous high interest rate!!!!?I always have paid all my bills on time, and if my loan is funded I promise I will make all my payments on time, can,t beleive my prosper rating is E I,m never late on any of my bills and never ever have been I,ve never been without a job , been working steady since high school, I need this loan badly to avoid paying?the outragously high interest of the cash advance.?.......... my financial situation........?? I,m?working steady?making? $450 a week doing carpenter work building houses with a small company which I,ve been with for 13 months now and love it, and right now we have?4 homes in line?to build (over a years work for us)????? my monthly income is around $1900? a month and my total monthly bills is around $1200,?Having to?do emergency repair to?our bathroom which cost over $3000 and ?having take a cash advance loan has set me back a bit, but?if this?loan is funded I can pay off the cash advance loan entirely and avoid the outragously high interest, then I can?easily make the payments on my new prosper loan.?Thanks so much for looking at my listing ,?All bids will be appreciated very?much!!!!

need new car

Purpose of loan:
This loan will be used to put a down payment on a new car

My financial situation:
I am a good candidate for this loan because I have a job, and was recently promoted to supervisor for my warehouse.? I take care of my wife and kids - in fact purchased a house last month which used the last of my cash reserves - but am having serious car issues, but cant afford to just up and buy a new car.? Also, would like to pay off the last credit card, which since I have had children seems harder and harder to do.

Monthly net income: $ 2580

Monthly expenses: $
??Housing: $ 520
??Insurance: $ 100
??Car expenses: $100
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 150
??Other expenses: $ 100

Home Improvement

Purpose of loan:
This loan will be used to pay for much need renovations to our home.

My financial situation:
I am a good candidate for this loan because?my?credit rating will reflect that I have been paying my bills on time and is?very stable in my?home and wok place.??

Monthly net income: $5200

Monthly expenses: $
??Housing: $ 1217
??Insurance: $ 252
??Car expenses: $ 645
??Utilities: $?500
??Phone, cable, internet: $ 160
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 60
??Other expenses: $

UPDATE KITCHEN

Purpose of loan:
This loan will be used to update the kitchen in my house.? I will be replacing the cabinets,countertops and appliances.

My financial situation:
I am a good candidate for this loan because my income will more then cover my expenses plus my loan.? I have never been late on any payment.? I take pride in my credit and its very important for me to keep it clean due to the fact that I'm in the real estate investment business.

Income $8000/month
Mortgage $3100.00 month
Car Payment $350.00 month
Utilities $250.00 month
Credit Cards $550.00 month

These are the majority of my bills.?

Pay Off Prosper Loan & Credit Cards

Purpose of loan:
I want to consolidate my previous prosper loan and credit cards, so?I?can afford an engagment?ring.?

I currently have a Prosper loan?and some credit cards?i want to consolidate together.??I have had no?late payments with my prosper account in the past and wish to pay my previous?Prosper?Loan and add some low?balance credit cards.?? My credit score overall has improved sense my previous loan.?? Since my last loan i payed off 2 credit cards, a payday loan with an interest rate of 39% and my auto loan of $500 a month.??

Monthly net income: $ 4,303
Monthly expenses: $???
Housing: $?300??
Insurance: $ 143????
Utilities: $ 105??
Phone, cable, internet: $ 100???
Food, entertainment: $ 200??
Clothing, household expenses $ 75??
Credit cards and other loans: $ 250??
Child Support: $ 600?

Paying off a credit card

Purpose of loan:
This loan will be used to pay off some debt incurred through a divorce

My financial situation:
I am a good candidate for this loan because I believe?that everyone should be debt free.? Do to a divorce,? I was forced to handle the situation the best I could at the time.? I am a very resoponsible person with a good credit score.? I've been working for the same company 19 years.? I am currently seeking another job to help my family get in a better financial situation.? I plan on being debt-free one day with?enough cash on had to help others through prosper.com and have an emergency fund for future unforseen financial issues.

Thanks for considering me.

Loanshark is spelled C*H*A*S*E

Purpose of loan:
Take care of a particularly cumbersome credit card debt. I owe approximately $7300 to Chase. They are charging me 32%. I would like to pay off the balance on this account and then close it. I have another, much cheaper, credit card account with my local credit union. They will get my business from now on.

My financial situation:
The credit card debt was obtained while underemployed for two and a half years. I have a master's in public administration and came to the DC area to work for the feds. However, after several years, I got disillusioned and decided to return to teaching, which I had done in the Peace Corps. I taught for three years at a local public high school but realized that the overemphasis on testing and other arbitrarily applied rules did not match my teaching philosophy. I tried tutoring for a while, got involved as a tour guide for a large student travel organization, signed up for home-bound teaching (for students sick or otherwise unable to attend class). These were all great life experiences but could not pay the bills. I had to supplement my income by over-using the credit card. Fortunately, I returned to full-time employment in the government sector earlier this year. I am quite stable now but the debt I have incurred is preventing me from raising my standard of living. I can make my monthly payments now, but would be much happier if I can reduce them.

Nagging Small Bills

Purpose of loan:
This loan will be used to? To pay off a few small nagging medical bills and get ready for my Daughters Wedding at the end of September..YA!!
Please help me?obtain the?funding that i need to make my daugters wedding a success!!

My financial situation:
I am a good candidate for this loan because? This would be my 2nd loan with?Prosper and i believe that this is a better way to get the money you need when you need, rather than give it to Banks who make it much harder to work with REAL PEOPLE. I have been at my employment for over 14yrs and i am?a very hard worker. I have always believed that you should repay the money that you borrow.

Monthly net income: $ 2600.00

Monthly expenses: $ 1447.00
??Housing: $ 250.00
??Insurance: $ 150.00
??Car expenses: $ 100.00
??Utilities: $ 135.
??Phone, cable, internet: $ 62.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 400.00
??Other expenses: $ 100.00