computer purchase

I am applying for a personal loan to purchase a rebuilt computer from Gainsaver for our church media software. Our current PC went down again and I have no plans to repair it since it's too old. I'm asking $1,500, 2 year term.

I've worked for Koa Trading Co. for about 7 years full time. I've worked with Hawaii Credit Counseling to bring down my debt and have been on time for the last 4 years or so.

My budget will allow for this loan and I am highly motivated to repay this loan since I worked very hard to reach where I am today.

The Interest is Killing Me

Purpose of loan:
I would like to consolidate my current debt into one lump sum payment at a lower interest rate.?

My financial situation:
I always pay by bills on time and often pay more than the minimum amount due.? We have recently paid off a few credit cards but then.....my 16-year old son was diagnosed with cancer.? The prognosis is good, but the medical bills are a killer.? If I could consolidate my high interest debt into a smaller interest payment, we could manage daily life much better.

Monthly net income: $?

My monthly net is $4,800 (add in my husband's and it's $7,200)!

Monthly expenses: $
??Housing: $ 3,009
??Insurance: $ 200
??Car expenses: $ 680
??Utilities: $ 140
??Phone, cable, internet: $ 120
??Food, entertainment: $ 500
??Clothing, household expenses $ 180
??Credit cards and other loans: $ 1000
??Other expenses: $

Paying off Ex-Wife's Car

Purpose of loan:
Refinancing my ex-wife's vehicle so I can change the registration to her name.? I want to remove myself from a position of liability.

My financial situation:
I have a very secure job and have a few investment properties.? I could just liquidate one of my stock trading accounts or a mutual fund but what fun would that be??? My assets are worth more than my liabilities and my monthly cash flow is good, I just need to pay off my ex-wife's vehicle.

Paying off credit cards

Purpose of loan:
I have right at $80,000 worth of credit card debt.? This debt was built as I tried multiple different investment "opportunities" in order to get ahead.? These investments never materialized.? I now make enough money ($80,000 per year and my wife makes a bit more than me) where we should be living comfortably; however, paying more than $2,000 per month to the credit cards makes it tough.

My financial situation:
I am a good candidate for the loan because I have always paid off my loans.? I have a good job in the education sector that I have worked at for about 15 years.? My wife is a physical therapist and has a solid income, as well.

Monthly net income: $?7,700 per month (including wife's salary)

Monthly expenses: $
??Housing: $ 900
??Insurance: $ 300
??Car expenses: $ 0 (we have 4 cars that are all paid off)
??Utilities: $ 450
??Phone, cable, internet: $ 120
??Food, entertainment: $? 800
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 2000? (would be offset by this loan)
??Other expenses: $ 300

Debt Consolidation

Purpose of loan:
I?have high interest, short term (10 months) loans that I want to consolidate into one loan?with a longer term and lower interest rate.?This should result in a lower monthly payment and allow me to pay more toward reducing my credit card balances. Although my credit score has improved from the last time I was funded, it is still on the low side because my credit card balances are too close to my credit limits. I am continuing to work on paying down the credit cards but have had a few emergency situation arise that have slowed my progress.

My financial situation:
I have a full time job and have been in my current position for almost 8 years. I have been in the same profession for nearly 20 years. In addition to my full time job, from Jan thru Apr of every year I work part time at a second job preparing taxes professionally. The additional income from this job helps me pay down/pay off existing debts.

Monthly net income:?????$ 3981

Monthly expenses:??????? $ 3395
Housing (mortgage):?$1437
Auto loans:??????????????$ 461
Credit cards, loans:? $ 385? *to be reduced if loan funded
Insurance (auto):????? $ 102
Car expenses (gas, etc): $ 300
Utilities:???????????????????????? $?265
Phone, cable, internet:??? $ 145
Food, household expenses: $ 300

Debt Consolidation

Purpose of loan:
Debt Consolidation

My financial situation:
I am a good candidate for this loan because I have perfect credit, very low overhead and I offer plenty of collateral.?

Prosper Lender

This loan will?replace 2 loans???? Your Christmas Present is the?guaranteed return RATE!

Principal value of active notes: $8,380.17
Average?Prosper income last four months = $649.39
My portfolio states that if everyone paid, I would get 31% :)
Yes! I am NOT receiving?31% return and?knew that up front

Goal accomplished:? Became the bank to 178 people.
Good note:? 1st payoff was an "F" credit score
As J. Paul Getty once said,"I would rather have 1% of 100 peoples efforts than just 100% of my own"

FYI:?Structure of personal debt:
These are minimum payments
$24,278?? =?? 2.99%?? 490/mon
? $1,995?? =?? 1.90%?? 33/mon
??$3,876?? =?? 17.9%?? 93/mon?(this was 9.9%?until October)??????
$3,610?? =?? 9.76%?? 319/mon?If this?was your debt,?what rate would you want?
$33,769 is?today's total.
PAID OFF the rest recently ...

Your funds?will be returned with?interest better than bank!
AUTO PAY 4 SURE!!!??? 91-99% of my bills are auto pay
FYI my home mortgage is paid until February 1, 2010.

Inventory for Store

Purpose of loan:
This loan will be used to? help add inventory to our home accent store and to help pay certain?bills over the slower part of the retail season. We opened our store in March of 2009 in historical downtown Stillwater, Minnesota.? Our town is a bustling tourist town?in the summer months and a bit?slower after the holiday season.? We would like to use this loan to help pay bills.
My financial situation:
I am a good candidate for this loan because? we have always been on time paying our monthly bills.? We hope to expand our design services over the winter months and that will bring in more revenue to help pay back our loan.

FORECLOSURE RESCUE

PLEASE DO NOT PASS ME UP I AM GOOD FOR THE MONEY!!!

Purpose of loan:
This loan will be used to send money home to a family member who is on the verge of losing her home to foreclosure.?

My financial situation:
PLEASE DO NOT JUDGE A BOOK BY ITS CREDIT SCORE COVER. AS A LIFELONG STUDENT, MY CREDIT SCORE WAS DRIVEN BY STUDENT LOANS.

HOWEVER, NOW, I am a great candidate for this loan because my main debt (student loans) are all NOW paid by my employers. I can be reached at any time via email JENFLA1976@YAHOO for documentation to verify?income and debt, etc. My income is almost $60K per year and I have minimal monthly debt.

I have no major family obligations as I have no children and live with a roomate who helps with 1/2 of all housing expenses.

Monthly net income: $ 4,882

Monthly expenses: $?1,718
??Housing: $ 790
??Insurance: $0 paid in full for entire year
??Car expenses: $ 290
??Utilities: $13.00 water?
??Phone, cable, internet: $100 bundled?package
??Food, entertainment: $ 300
??Clothing, household expenses $?100
??Credit cards and other loans: $ 125
??Other expenses: $ 0

Smart business loan

Purpose of loan:
This loan will be used to? Secure my equity position in a company I help run and make successful. I've recently started my third business and need some cash to maintain my equity position in that company

My financial situation:
I am a good candidate for this loan because? I've never been late on a loan payment and have always paid down the dept. I have a good income which can support monthly payments.

repaying loans Sister funeral

Purpose of loan:
This loan will be used to? consolidate short term loans from helping my sister while ill and her death.
The high interest rates keep my from getting them paid in full.? I have dental work and my
some medical procedures that need to be done. If I could consolidate the loans
with a lower interest rate i could also afford to pay to get my medical work performed.
My future plans are to complete getting lic for foster care, but this can not
be done until I get my finaces under control again.



When my sister mate? had first asked me to hlep them, he knew I could not afford at the
to pay to stay away from home especially for over a month. He was dying from colon
cancer and was to weak to help much. My sister became ill and was in intensive care
for almost 2 full months. They lived in a different city than I do, and My sister was sent
to a hospital out of state.
They had planned on helping me pay back the loans I had gotten to help care for them
including repairs to their truck. Their deaths prevented this.? Due the medical bills
there will be no funds left.?

.My financial situation:
I am a good candidate for this loan because?
I have always put my bills first my needs second.? I get paid the first week of every month
before I even buy gorceries I pay all my bills.? It is true I had to claim bankruptcy,? I had Id theft ,
my home had been robbed. ?I applied to refi my home in? 2008 the loan did not close
prior to lenders closing their doors.? I was one of the many that lost funds that?I had paid towards my loan
that was approved and ready to close. They closed the office I was working with. To date funds
have not been returned.
This is what led up to the bankruptcy. Feb 2008 I had a credit score of? 782 and for the first
56 years of my life, or at least from when I established credit my score has always been
excellent.?
Monthly net income: $? 2400

Monthly expenses: $
??Housing: $ 829
??Insurance: $? 150
??Car expenses: $ 80
??Utilities: $ 180
??Phone, cable, internet: $ 140
??Food, entertainment: $ 150
??Clothing, household expenses $50
??Credit cards and other loans: $ 600??this will be gone when loans paid off.
??Other expenses: $ medical? 50

finish repairing new home

Purpose of loan:
this loan will be used along with $10000.00 of my own funds to replace the roof, windows, asbestos siding, and repoint the masonry. I purchased this house back in September at a greatly reduced price. I have already spent several months working on the interior, leaving the outside to be done in the spring. once the outside of the house is complete i stand to gain a substantial amount in equity. I am currently living in the house and plan to live in it for at least the next three years if not longer.
My financial situation:
I have worked for the same mom and pop for 13 years, I am currently the General Manager and have job security and a steady paycheck. I will also be taking over the 40 year old business when the current owner retires in a few years. I will easily be able to pay back this loan, see my financial breakdown below. I am also a prosper investor with $2000 invested with an average 28% return this will be my second loan, first loan was paid in full with no late payments. With any equity i can get from this property I plan to use it to rehabilitate and rent additional properties
Monthly net income: $
$2150 after taxes
Monthly expenses: $
??Housing: $ 381.00-this includes taxes and insurance also my fiance pays the other half, total Mortgage payment $762.
??Insurance: $ 38-car
??Car expenses: $ 100
??Utilities: $ 120
??Phone, cable, internet: $ 45
??Food, entertainment: $ 150
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 100
??Other expenses: $
Total $ Out:$1084
This Leaves Me $1066 monthly for savings and paying back this loan

pay off cards and install fireplace

Purpose of loan:
This loan will be used to pay down credit cards and install gas fireplace in home

My financial situation:
I am a good candidate for this loan because...7 years at job , working hard to right past credit problems.

Monthly net income: $ 11000.00

Monthly expenses: $
??Housing: $ 1800.00
??Insurance: $ 300.00
??Car expenses: $ 1000.00
??Utilities: $ 300.00
??Phone, cable, internet: $ 110.00
??Food, entertainment: $ 400
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 350
??Other expenses: $ 300

Paying my off credit cards

Purpose of loan:
This loan will be used to?pay off credit card balances.

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

Monthly net income: $4,260.00

Monthly expenses: $3,586.00
??Housing: $2,036.00
??Insurance: $150.00
??Car expenses: $300.00
??Utilities: $150.00
??Phone, cable, internet: $100.00
??Food, entertainment: $400.00
??Clothing, household expenses $
??Credit cards and other loans: $600.00
??Other expenses: $

Just bought house...now what!

Purpose of loan:
Looking to improve on our house we just bought!? Love the idea of Prosper!

My financial situation:
My Wife and I?have?well paying jobs as well as online business.??

Updating Bathroom

Purpose of loan:
This loan will be used?to finance the?updating of my master bath.? ?

My financial situation:
I am a good candidate for this loan because I take pride in being reliable and trustworthy.

Monthly net income: $ 2150

Monthly expenses: $
??Housing: $ 450
??Insurance: $ 110
??Car expenses: $?265?????????????????????
??Utilities: $ 100
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $

Only 1 car with 3 kids..help!

Purpose of loan:
This loan will be used to go from a one vehicle family to a two vehicle family.

My financial situation:
I am a good candidate for this loan because I have worked for the same company for the past 20 years. I am currently making almost 50k per year.? I will be able to repay this loan on time and allow my family to have a reliable car that is safe! My wife is a school teacher and make s a great salary...because of a late payments when she had melanoma, we are having a problem obtaining a loan. The car we have now has 130K miles on it..it is only worth 3k and it will cost us 1k to repair!!? The reason it shows a delinquency is because we got involved in a debt management program and have a monthly payment that we make for all other debts.? The credit report shows them as not being paid, but they are being paid through the program.? Please help us to get a preowned car!!!

Payoff off my credit cards

Purpose of loan:
( Mom need to consolidate credit card debt)

My financial situation:
(Good Job)

Monthly net income: $
1500
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 400
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 0
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $ 100

Bridge Loan to Tax Return

Cash flow is getting a little tight. Had a renter bail on me earlier in the year and just got the condo re-rented to a more qualified individual recently. Household income exceeds 200K and never missed a payment on any debt obligation in my life. I have a very stable sales management position with significant income. Would rather give Prosper a shot than take a loan against the 401k (80K+ balance). Last year's tax refund was $23,500 and expecting the same this year.

Russ Loan

Purpose of loan:
This loan will be used to?
Car repairs and help family members
My financial situation:
I am a good candidate for this loan because? have excellent payment history and a credit score of 745.

Pay off (1) Loan & (1) credit card

Purpose of loan:
This loan will be used to? consolidate (1) loan with HSBC Bank and (1) CLOSED credit card with HSBC Bank.? My interest on both the loan and credit card is 29%.

My financial situation:
I am a good candidate for this loan because? I pay all my bills on time for over 7 yrs. plus.? Also I really would like to start saving as much money as possible by paying off my loan/credit cards with the highest interest rates.? I have paid off UCLA Credit within the last week so this will not show on my credit report.

Monthly net income: $ 2404.00????

Monthly expenses: $ 2100.00

??Housing: $ 737
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 60
??Phone, cable, internet: $ 130
??Food, entertainment: $ 275
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 873
??Other expenses: $

Paying off a friend

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

My financial situation:
I am a good candidate for this loan because I will surely pay my debt back. I don't like owing money. My credit score is good between 700-715. I don't have any payment delinquencies.

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: $

Paying off my debt

Purpose of loan:
This loan will be used to?pay off my debt.?Due to the economy I had to take a huge pay cut in order to keep my job and this loan will cure all of my financial headaches all I will have to pay is this loan and my monthly utilities bill and my house payment.

My financial situation:
I am a good candidate for this loan because? I pay all of my bills I am?just having a hard time now due to the economy thats why?I need to get this loan so I can just have one place to pay and not worry about stamps and all the bills that comes in the mail every month.

Monthly net income: $ 2000 Take home?

Monthly expenses: $?
??Housing: $ 655
??Insurance: $100??
? Car expenses: $100 a month for gas?
??Utilities: $?220
??Phone, cable, internet: $?85
??Food, entertainment: $?150?just food (not?Entertainment)
??Clothing, household expenses $0 dont buy clothes and household expenses on a monthly basis?
??Credit cards and other loans: $450
??Other expenses: $0

Helping with expenses for school

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: $

honeymoon for son

Purpose of loan:
This loan will be used to?pay for my sons honeymoon?

My financial situation:
I am a good candidate for this loan because? i am on a fixed income and payments will automaticaly be made

Paying off startup debt + tech dev

I am a VERY conscientious borrower (I had a prior Prosper loan that I used to pay some of my credit card debt and have used for down payment on my first home). Since then, I have been working on a consumer Internet startup technology and have incurred personal debt as I invested almost all my personal expenses (along with my partner) into it. I have a great executive job in a major technology company, I love my family and career. I would like to pay my high interest credit card debt. I have graduated with a Ph.D. less than five years ago, and the current debt has been incurred mostly by professional travel and startup-related expenses that haven't been fully refunded. All towards the development of my career. As a result, I am proud to say I am an authority in internet marketing and advertising, but would like to sleep better at night and provide a stress free environment for my daughter, if I could quickly pay my debt. For more information to attest my good intentions, feel free to contact me.

For due diligence, you can search my name, or check LinkedIn.

pay of credit cards

Purpose of loan:
This loan will be used to pay down credit cards

My financial situation:
I am a good candidate for this loan because i believe in paying what i owe?

Monthly net income: $ 3750

Monthly expenses: $ 1285
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Consolidating high interest debt

Purpose of loan:
This loan will be used to?

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

Paying off debt!

Purpose of loan:
This loan will be used to pay off a higher-interest unsecured loan with Wells Fargo, while lowering my monthly payments. My fiance and I hope to move by the end of 2010 and I want to maximize my savings during this year - so a lower loan payment would help that.

I have not borrowed from Prosper before, but have been lending for a while now.

My financial situation:
I am a good candidate for this loan because I have a secure job and have never defaulted on a loan or made a late payment.

Pay off Medical Expenses

Purpose of loan:
This loan will be used to pay off a payday loan that I needed to help my 2 year old son.? I have been working very hard to pay off my debt but when my son was diagnosised with Autism I did not have the money he needed for his medical expenses.? I took out this payday loan to get that money?but the interest is over 200%.? This loan would help?me to be able?to pay off this loan and give me an affordable payment plan.? I intend to pay this loan off as soon as possible.?

My financial situation:
I am a good candidate for this loan because I am a hard-worker and I have been successfully paying off my debt by paying over the amount that I owe.? I have never been late on my payments and this payment will be?automatically deducted from my checking account.? I have a stable job that?I have been with for over 6 years.?

Just Graduated! Job starts Jan 11

Purpose of loan:
This loan will be used to?pay my bills (and pay off a high interest credit card) until my Job starts Jan 11, 2010 and I receive my first pay check.

My financial situation: Last Dec I moved to Louisiana from Pennsylvania to stay with my sister while I was going through a divorce. (I left with only the items that would fit into my small Hyundai Accent.) My school said they shouldn't have a problem arranging my clinical internships in Louisiana. Unfortunately they were unable to find a facility that would take me. In order to finish school I would have to return to PA in the fall. So for the next 8 months I worked a full-time job at a Law Firm, a part time job at coffee shop and babysat my 6 month old nephew 2-3 nights a week in order to save enough money to return to PA to finish school. My internship ended up being further away from my only housing arrangement than I had anticipated and I had to spend over $50/week in gas in addition to my other other bills. I just graduated (Dec 18th) with my AAS in Occupational Therapy Assistant. My final semester consisted of 16 weeks of full time internship without pay. My savings is now depleted and I still have one more month until my full time job starts Jan. 11th. I have bills to pay and I don't have any family or friends with extra money to help me out.
I am a good candidate for this loan because?I have a guaranteed job starting Jan 11 with an income of $2800/month. I am very frugal and have always lived on a very tight budget. I am also in the process of transferring my Massage Therapy license to LA, so I always have a backup income if necessary.
Explanation of credit score: $5,000 of my revolving credit is due to a tuition payment I had to put on my credit card for my final semester. My ex-husband's income was used to determine my financial need for that semester and I was unable to receive any financial aid. I decided that finishing school sooner than later was priority to secure my financial future. I am always on time with my payments.

Monthly net income: $ 0 today/$2800 beginning next month

Monthly expenses: $1590
??Housing: $600
??Insurance: $
??Car expenses: $100
??Utilities: $200
??Phone, cable, internet: $40
??Food, entertainment: $200
??Clothing, household expenses $
??Credit cards and other loans: $450
??Other expenses: $

Invest in Prosper

Purpose of loan:
This loan will be used to?
Use my excellent credit rating to get a loan at a lower rate and use the funds to make selective investments in Prosper.?
My financial situation:
I am a good candidate for this loan because... I have only been late for 1 payment in 40 years.? I have $2,000 per month available after expenses.? I have been investing in the stock market with these extra funds.?Now I want to try investing in Prosper.

Need a new auto

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: $

pay off credit cards

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

My financial situation:
I am a good candidate for this loan because? i have never been late paying my bills , i have a very secure job in the energy sector

Monthly net income: $?5000.00????
Monthly expenses: $
??Housing: $ 725.00????
??Insurance: $ 50.0????
??Car expenses: $ 25.00
??Utilities: $?250.00????????
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 700.00
??Clothing, household expenses $
??Credit cards and other loans: $ 1500.00
??Other expenses: $
home value--95000.00 mortgage amount 89000.00
credit card merrick bank-apr 22.70-balance 2799.12
????????????????capital one??? apr 17.05-?????????????2322.99
????????????????capital one??? apr? 19.80???????????????415.26
??????????????? chase?????????? apr??23.24??????????????2726.39
??????????????? capital one??? apr? 22.90??????????????? 379.00
??????????????? pay pal?????????apr? 26.99??????????????1217.99
??????????????? kohls??????????? apr? 21.90??????????????? 928.29
monthly expenses 2400.00

Prosper lender looking to re-invest

Prosper lender looking to re-invest. I currently have 99 loans as a prosper lender, and growing.? I re-invested previously and paid out loan early with 100% of the payments on time. I compound the interest I lend out, meaning as soon as I get at least $25, I immediately lend it out again.? This significantly increases my return, and allows me to borrow money at higher rates to re-invest it. I have very little debt, very stable career (hospital director).

Buying used truck

Purpose of loan: I am in need of a diesel truck so I can tow a trailer that I use for moving safes.I have two trucks now a s10 &a GMC 1/2 ton thay bolth lack in power for the job.A Dodge 2500 diesel would be cheeper to operate.And I found one under blue book.Its at a small dealer of tractors
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?I pay always & on time Thank You

Paying off the car and credit card!

Purpose of loan:
This loan will be used to pay off my credit card AND car loan.? I just paid off my citibank and Amex cards with this paycheck and it would be great to consolidate the remaining into one payment to focus my efforts.?

My financial situation:
I am a good candidate for this loan because I have a long history of paying my obligations on time.? I suffered a pay cut last year, but after working harder the last 12 months and just getting a raise I am in a good position to pay off debt rapidly once more, and expect a further increase in pay within?2-3 months.? I have never left a creditor unpaid.

GETTING MARRIED

Purpose of loan:
This loan will be used to prapare for my upcoming wedding.

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

Monthly net income: $ 6900

Monthly expenses: $?2500
??Housing: $ 950
??Insurance: $?100
??Car expenses: $?300
??Utilities: $ 100
??Phone, cable, internet: $?100
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $ 200

Catching up since I now have a job!

Purpose of loan:
I got a job (yay!) after ten months of unemployment (boo!) and I need to get caught up on those bills that piled up in the meantime. Once I'm caught up, I can make payments on everything - including a new prosper loan - just fine!

My financial situation:
I am a good candidate for this loan because?I've pared down my life to a smaller apartment, fewer fancy groceries, paid off my car, and spend most of my money on the kids, and my poor-to-fair credit is a reflection of my first marriage and recent unemployment, not my current situation.

Monthly net income: $2000

Monthly expenses: $ 1800
??Housing: $ 500
??Insurance: $?150 ??
??Car expenses: $50 (for gas - the car is paid off)
??Utilities: $ 100
??Phone, cable, internet: $100
??Food, entertainment: $?150
??Clothing, household expenses $?50
??Credit cards and other loans: $ 400?
??Other expenses: $ 300 (daycare)

2nd Loan perfect record, military

I am a good candidate for this loan because I have a perfect payment history with my current Prosper loan, and my family financial situation is continuing to improve over time.? My husband is a military officer and very supportive in helping me get my credit back on track.? He was recently promoted to CPT (O-3).??

I would like to take the time to address my HR status and previous public records in last 10 years that is listed on my file.? -? My husband just completed 8 yrs of college all while working full time in order to graduate medical school.? I was home with four children and to be completely honest we struggled every month during this process causing some late payments.? However we never defaulted on any loans ever.? We just kept paying the minimums and catching up when we could.? He was in the Army Reserve for four years which paid his tuition but with such a large family we had?to borrow for living expenses .? After graduation he went full Active Duty for 7 years and we are working hard to rebuild from the last 8 yrs.? He is working on board certification so we do not get the physician bonuses until he completes this process, but we are very excited about our future. The public record was many years ago, it was state tax due from a return filed years before.? This came as a surprise and we certainly could not pay it in full at the time.? They placed it on both our credit reports.? We made payments including late fees until it was paid in full.? It is still listed under the 10 yrs column, but nothing since.??

My financial situation is different than most, as my husband pays the expenses and my income is primarily dedicated to getting us out of debt and having some much needed spending money after all these years.? I would like to own a home and need to cont establishing good payment history and paying down debt.??

My plan is to pay my last remaining cards off including the previous prosper loan.? (Prosper 680, Chadwicks 550, Capital One 600, Target 200, Discover 400 = 2430)? The remaining 370 is for spending money on our holiday trip this Jan.? This would bring the balances on everything except Discover to 0, leaving a single payment.? My salary of 1126 per month after taxes will more than cover the payment.??

Thank you so much for those who had faith in me before. ?I will continue with my perfect payment history as before.

Want to pay off my credit cards

Purpose of loan:??I am very serious about?reducing my debt, which in part was incurred by helping a sick family member.? Each month,?I spend a significant amount of time paying bills and researching ways to get out of debt permanently.? This time could be spent with my family and growing my small business.?? In fact, the stress related to my current financial picture is impacting my family relationships.? So, I am committed to making 2010 a life-altering year by getting out of debt.???

My financial situation:
Currently, I am working two jobs and have set up a formal budget.?? I utilize a monthly envelope system that is keeping me "honest".? My budget does not include any "fat", ?only real necessities like housing, utilities and food.? My cell phone service is a business necessity for client calls.??I am selling my motorcycle and automobile to pay off debt.??In the past month, I have secured a roommate?to help reduce my living expenses.? I hope this picture accurately reflects my efforts to?regain my life and become debt free.?

Monthly net income: $4100.00

Monthly expenses: $
??Housing: $ 474.00
??Insurance: $50.00
??Car expenses: $75.00
??Utilities: $150.00?
??Phone, cable, internet: $125.00
??Food, entertainment: $400.00
??Clothing, household expenses $100.00
??Credit cards and other loans: $ 1200.00
??Other expenses: $

Debt Consolidation

I am new to this site and this process. I am a self employed restaurant owner. I currently own (3) franchised Subways and (7) franchised Papa Murphy's. All of these restaurants are located in Denver Colorado. I am in the process of developing more restaurants in Kansas and Missouri. Due to the lending meltdown I have found it necessary to take out more personal debt than I am accustomed to. This debt was taken out to continue my expansion efforts. In fact, all of my personal debt, with the exception of my home, was taken out for business acquisition purposes.

Currently my restaurants do in excess of $4M/year in revenue. I plan to use the funds to pay off personal lines of credit. I have debt, and have managed that debt responsibly my whole life. I have numerous assets beyond the restaurants. I am not in a desperate situation. I simply would like to pay less interest than I am currently.

I would be more than happy to answer any questions that anyone may have.

Thank You.

Seeing Borrower side of Prosper

Purpose of loan:
Since I've got some money invested in Prosper loans, I just wanted to take out a small one myself to understand the borrower's side of Prosper. Also interested to see what (if anything) this does for my credit score. I'm considering this an investment in education. (Although I guess I should have then put "Student use" :)

My financial situation:
I don't actually need the money. My current savings are much greater than my annual salary. I'll probably pay the loan off early just to save the hassle.

Observations on Prosper Borrowing:
It's quite simple to apply for a loan. Answer a few questions, provide some personal information and ta da!

However, I now see why so many people have such lousy loan descriptions - Prosper provides a very poor template to help explain the loan. The template is just HTML, which means the borrower is forced to write HTML to describe their listing. The borrower can't even just write some simple text with carriage returns and expect it to look okay, if they don't understand the purpose of a
tag. I'm not sure how a non-technical person would be expected to figure out how to make something remotely pretty, it's not that difficult for a site to integrate a WYSIWYG MS Word-like editor these days.. Oh, and people only have 20 minutes until they are signed out, with no indication of how long they've taken so far, I'm sure that can get frustrating. I'm not sure there's even a preview description option here.. (edit: Ah, you can go back to edit your description from what I assume is the last step of the process)

Prosper asks for quite a bit more information than is displayed, like "Purpose of loan" - Personal or Business? Also I didn't know that you could make "No auction" loans where the interest rate can't be bid down by lenders, not sure why you would want to do that.

Rental Property Renovations

Purpose of loan:
This loan will be used to? Totally renovate a recently vacated 2-bedroom apartment in a multi-unit residential building that I own. Apartment was occupied by same tenant for past 42 years and needs a complete remodel to be cosmetically competitive in the market. Renovations to include new wiring, plumbing, insulation, sheetrock, floors, kitchen cabinets & counters, appliances, bathroom fixtures (tub/sink/toilet), and painting. All required building, plumbing and electrical permits have already been approved and issued by the building department. The apartment is in a very stable area, with a very desirable location, overlooking a lake, and will rent quickly and begin generating income once the work is done and prospective tenants can view the actual finished product (most people cannot envision future renovations- they only see what is actually present at the time of viewing)

My financial situation:
I am a good candidate for this loan because? I am experienced real estate investor and property manager, as well as a licensed Massachusetts builder and a licensed Massachusetts real estate broker. I have excellent cash flow from my properties, with low (current) mortgages, and once this apartment renovation is completed (approx 6-8 weeks from loan funding date)?and the unit is rented, I will have a 100% occupancy rate. (Notes: I do own my own home [since 1988], despite?the erroneous "no" designation that?the credit?bureau listed in?the home ownership section; I have submitted proof of ownership to Prosper and am awaiting this designation to be changed to ?yes?; despite having an excellent credit report, the primary reason for a Prosper score of ?C? is because I am self-employed, and therefore do not receive the standard W2 form that is required on Prosper in order to have a debt-to-income ratio calculated and displayed; it is very low)

Pay Off Personal Bills

Purpose of loan:
This loan will be used to? Pay Off Some Personal Bills To Free Up More Cash Flo.

My financial situation:
I am a good candidate for this loan because? paying my first prosper loan off with no problems

Monthly net income: $ 3800

Monthly expenses: $ 1650
??Housing: $ 500
??Insurance: $ 96
??Car expenses: $ 350
??Utilities: $ 56
??Phone, cable, internet: $ 96
??Food, entertainment: $ 160
??Clothing, household expenses $ 80
??Credit cards and other loans: $ 180
??Other expenses: $
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