Home Remodeling/Debt Consolidation

Purpose of loan:
I am almost finished with a major home addition/remodeling project.? The house was originally a 3 bedroom, 1500 square foot rambler.? We replaced the attached the garage with a new 2-story structure that has a lake view.? I was able to finish most of the project using my existing home equity and personal funds, but need a little more to complete the project.? The exterior is completely finished (take a look at the picture), and the addition and remodeling on the living/kitchen/dining area are finished as well.? Just need to finish remodeling the original bedrooms/bathrooms.? I also plan on paying off about $3000 of personal debt with this loan as well.

My financial situation:
My job gives me an excellent income, and have no recent credit or payment issues.? I have some extra income each month which I can put towards the project, but I would like to finish it more quickly.

Please note that the revolving balance shown on my account is primarily a home equity line of credit, not credit card debt.

Ready to Open Up the Business :)

Purpose of loan:
This loan will be used to start a? 24 Hour? fast food restaurant.? I have the money saved up for the cost of the commercial space and architect to draw up the plans for the city permits needed as well as the cost of the permits.? I need funds to pay for equipment and renovations to change the space from an old barber shop to my fast food restaurant.? I have my family ready to employ and help me run the restaurant on a daily basis.? My Wife, 2 sons, and my 2 Brothers and I will operate the restaurant on a daily basis enabling me to be open for business 24 hours.? The location is perfect, we are in the heart of a city where there are other restaurants , not alot, but enough, in the neighborhood, but none serving Fast Food Fish N Chips, Chicken and Bugers and there are no 24 hour food places available , except in the next town over.? For now everyone in our town gets in their car to drive 15 minutes to go to the nearest restaurant that sells this kind of food or Orders and waits 45 mins to an hour for delivery.? I would like to service the people in my area and the towns surrounding me as well.? I have surveyed the area and I see that in every 10 minutes, approximately 8 people walked or drove past my location, thats approximately 1 person per minute.? I am sure this will be good for business.? There is a Check Cashing Business, and a 24 hour Fast Mart on the same street.? My location will be the corner lot of the street.? A very nice amount of space for my restaurant to have about 4 tables , a kitchen, service area, bathrooms and a back office, storage in the celluar.? We are ready.

My financial situation:
I am a good candidate for this loan because I have worked hard driving my taxi cab for the past year and a half.? My family and I have saved and maintained all of our personal living expenses for the family and managed to save up $12,000.? I am not in any debt , my family and I are happily living within our means and would like to make this dream of owning a family business a reality now, this is why we are asking for this loan to start the restaurant.? I can continue to drive and continue to maintain our living expenses and continue to save each month? as we have been doing $700 a month.? I can continue to do this , as my family starts the daily operations of the business, until we can see the business making the profits its needs to make for me to finally quit my day job.? I will hold on to my job until such time, so that we will not endure any financial weight when starting the business.?

Paying off debt

Purpose of loan:
This loan will be used to cosolidate some current debt?

My financial situation:
I am a good candidate for this loan because I always pay on time and have been in the same profession for over 20 years, very stable?

I need to payoff my college tuition

Purpose of loan:
This loan will be used to? I need to payoff my college tuition in order to continue to take college courses I need to pay $2000.00.? I had taken off of college online classes for 3 months because I was going through some cancer treatments and did notify the college that I have breast cancer and if I could resume classes in January 2010..? I thought that would stop the classes until I could resume it.? yesterday I got a bill from them stating that in order to resume any courses through them I would have to payoff what has already accumulated thus far.? I really need to get this paid in full to finish my degree which I have only 1 more year at it.? I know it seems far fetched, but in our time of hardship, having a degree would only help to succeed in our trying times.

Please keep in mind that my credit report shows two delinquencies, one is for our mortgage which we were behind on our monthly payments,but have long since paid it current and had our mortgage modified to a more manageable monthly? payment.?
The second delinquency is a credit card bill that I have been paying on which never seems to go down with all the over limit charges per month.? I want to pay this off of $500.00.
My financial situation:
I am a good candidate for this loan because? I can finally pay back the loan with low monthly payment that I can afford.

Monthly net income: $ (me) 2100.00? (spouse) 3600.00

Monthly expenses: $
??Housing: $ 3000.00
??Insurance: $ 232.00
??Car expenses: $ 435.00
??Utilities: $ 350.00
??Phone, cable, internet: $ 134.32
??Food, entertainment: $ 220.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 200.00
??Other expenses: $

Consolidating Debt

Hello and thank you for viewing my listing.

The purpose of this loan is to consolidate credit card debt and payoff my previous Prosper loan.? I have made every payment on-time for my previous Prosper loan, as it is automatically deducted from my checking account each month.? I will be having this new loan automatically deducted as well so there is no worry of me defaulting.? I am also wanting to consolidate debt to improve my credit.

I currently am unemployed, family emergencies coupled with the economy has not been kind to my work record.? In the past year and a half I lost my father, who was my boss for 2 years the local brand of a logistics company.? Since that time I have been with two other logistics companies who unfortunately have had to close their doors due to the downturn in the economy.? I am currently being considered for positions at 2 company's and have another interview this week.? If I am hired I can expect my income to be between $600-$750/weekly.

My loans that I will be paying off are as follows.

$928 - Prosper
$1007 - JC Penny Card
$1265 - Chase Card
$957 - Capital One
$350 - HSBC

Thank you for viewing my listing and if you have any questions please ask!

paying off 27% interest card

Purpose of loan:
This loan will be used to? Pay off a 27% interest Bank Of America card

My financial situation:
I am a good candidate for this loan because? I never pay anything late or miss payments, but my interest is just too high

Monthly net income: $ personal, $73,000, household $117,000

Monthly expenses: $
??Housing: $ 1300?, split with husband???????
??Insurance: $?58 car ins. for family, dental $60,?husband pays health ins
??Car expenses: $ employer refunds gas expenses?because I am in Home health care,?husband takes care of car because he is a mechanic
??Utilities: $ 400 approx, split with husband
??Phone, cable, internet: $ 140, split with husband
??Food, entertainment: $ husband usually pays for all this
??Clothing, household expenses $ Husband usually pays for all this
??Credit cards and other loans: $ Whatever's left over I try to pay to credit cards..trying to pay them down
??Other expenses: $

Old College Bills Goodbye

Purpose of loan:
I am?a mechanical engineering major. I put myself through college and incurred a small amount of credit card debt in this process. I've worked my whole life, and I now have a great job as a sales engineer. I just want to pay this debt down quickly and have a fresh start. It's hard to do with such a high interest rate!

My financial situation:
I am a good candidate for this loan because I am now financially responsible and stable.? I've been managing my rental home for my landlord for the past year.? I have learned how to live within my budget. The problem with this is my budget allows for a certain amount towards credit card debt and my payments are essentially negating my debt when interest is factored in.? I just want to get ahead.

Monthly net income: $ 2,800

Monthly expenses: $?
??Housing: $ 350
??Insurance: $ 150
??Car expenses: $ 346
??Utilities: $?100
??Phone, cable, internet: $
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 438
??Other expenses: $

consolidation loan

Purpose of loan:
This loan will be? to pay off 2 cc cards and a? car loan

My financial situation:
I am a good candidate for this loan because my wife and I both work. I am completing a CAGS program for licensure for a part time job I have. I teach full time

Monthly net income: $together is almost $8800

Monthly expenses: $
??Housing: $ 2400
??Insurance: $
??Car expenses: $ 600
??Utilities: $ 400
??Phone, cable, internet: $ 375
??Food, entertainment: $ 500
??Clothing, household expenses $ 500
??Cc cards and other loans: $ 1200
??Other expenses: $

Consolidating of debt

Purpose of loan:
This loan will be used to?To consoidate current debt?into one payment?

My financial situation:
I am a good candidate for this loan because?
Iam a good canidate for this loan because I do value my credit rating and as a single parent my credit worthiness?is the biggest asset I have

Monthly net income: $ 2200

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 100
??Car expenses: $ 100????
??Utilities: $ 160
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $

New product development

Purpose of loan:
This loan will be used?to help fund the software?development of a great new marketing and relationship management product for my online media business.? My sales and marketing team has already started to pre-sell our new product and has gotten a great response.? We are currently developing the software for the product with?an expected launch date in early to mid-March.? We are looking for attractive interest rates on capital to provide a funding cushion and to cover operating expenses?while we ramp up?the sales effort?of our new product.

Repayment:
This is a business loan which will be repaid?with operating cash flow from my business.? I have an?excellent credit rating and will personally guarantee the loan with?funds from my income and investment portfolio.

Paying Off Credit Cards

Purpose of loan:
This loan will be used?to pay off?credit card balances that have significantly higher interest rates.

My financial situation:
I have a long-term stable job and good income, but can't get ahead with credit card rates.? My credit is good / excellent, I'm responsible?and I can make the loan payments.

Establish Payment History

This is my second prosper loan, the first which has been paid in full.

Purpose of loan:
This loan will be used to FURTHER establish a payment history with the prosper community.? I want to receive a better interest rate than the 28% that I received last time.? If the loan is under 20% I likely will not pay it back early.? I have no plans for using the money from this loan, other than to pay it back and establish a payment history with prosper.? The interest is worth the good payment history with the community.? Following this loan I will most likely borrow a larger sum, such as $3000, and repeat the process.? Ultimately I hope to be able to acquire loans from prosper based on a good credit history with prosper.?

The recent change in my credit score is the result of applying to refinance my mortgage.? I have no problem paying my mortgage, but wanted to refinance the balance of the loan ($100K out of $150K) to improve my cashflow.? This refinance only serves to make my payments easier.

My financial situation:
I am a trustworthy individual.? Not only am I a fourth year medical student, I am also the owner of a business, and have over $100,000 in equity and options investments.? I also have been an investor here on prosper, although have not had the greatest success (I've broken about even).? I am a good candidate for this loan because I have an income of approximately $25,000 a year, and am a home owner of 36 months with no delinquent payments. (even through the recent economic downturn)? The loan WILL get repaid through automatic deduction from my checking account, which currently has a balance of approximately $2100.? The purpose of this loan is to both see what sort of interest rate I will attain, and to ascertain the level of difficulty in applying for a loan here on prosper.

Thanks!

Pay It Off And Move On

Purpose of loan:
This loan will be used to?
dump the credit card and work towards actually paying off my debt for a better financial situation. I have a total out of approx. $1600 a mo. this includes the monthly mortgage and equity.
My financial situation:
I am a good candidate for this loan because?? long employment,never late,autopay used?,just outside the 700 mark! 692 credit karma 1-27-2010. the negative mark on my report was a bankruptcy in 2005. have been working at improving my scores ever since and continue to succede. I am also in the process of having 2 accounts from the 2005 filing reported correctly as (reaffirmed)? paid in full?accounts.


Monthly net income: $ 2600

Monthly expenses: $
??Housing: $ 750
??Insurance: $50
??Car expenses: $ 75
??Utilities: $ 125
??Phone, cable, internet: $50
??Food, entertainment: $200
??Clothing, household expenses $ 75
??Credit cards and other loans: $170
??Other expenses: $50

Paying Off Medical Bills

Purpose of loan: In recent months I have accumulated medical bills due to an increase in my health insurance deductible and the onset of a challenging health condition. I would like to consolidate all of my current medical expenses and simply make one payment a month to resolve this debt.? I do expect an income tax refund in the next few months, however I would like to clear these medical expense debts as quickly as possible. This would be my second loan on Prosper.

My financial situation:
I am a good candidate for this loan because I am reliable, conscientious, dependable and always pay on time as demonstrated by my current Prosper payment record.? Although currently on temporary disability from my job, I have taken steps to cut my expenses by selling my home (closing in February) and moving in with my wonderful son and daughter-in-law to make certain that I have the ability to pay my debts on time. Due to my health challenges and the high deductible on my health insurance, I have unfortunately had to utilize my credit cards much more than I would like to keep current with health services providers. I expect to be able to pay down or pay off the credit cards upon closing on the pending sale of my home in mid-February. This small loan would enable me to pay all my current outstanding medical debts.
Monthly net income: $ 1100.00

Monthly expenses: $ 925.00
??Housing: $ 400.00
??Insurance: $ 45.00
??Car expenses: $ 20.00
??Utilities: $ 0.0
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 50.00
??Clothing, household expenses $ 0.0
??Credit cards and other loans: $ 350.00
??Other expenses: $ 0.0

fixing a wall and asbestos removal

Purpose of loan:
This loan will be used to fix a 106 year old cracked plaster wall, installation of new water lines for a washing machine?and asbestos removal.?

My financial situation:
I am a good candidate for this loan because perfect credit and we want to fix our home so that we can start a family

Monthly net income: $ 4000

Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 300
??Car expenses: $ 500
??Utilities: $ 250
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing,? expenses $
??Credit cards and other loans: $?500
??Other expenses: $

Clash for clunkers!

Purpose of loan:
This loan will be used to help pay for a new (new to me) car.? It has been determined that my car is on its last legs so I am looking for another. It's been a great car and has gotten great gas mileage but 3 major repairs in 6 months is just a bit much and my kids have to origami themselves in order to fit in the back seat anyway.? I have found a great deal and almost have enough to pay cash but am lacking just a bit. Some of the loan would be used to pay the remainder of the balance.? I also have a loan I have been paying on to my parents. They are going through a hard time with my brother right now and financing his divorce so even though they would never ask for the remainder in a lump sum, I feel it would help them if I could pay them the balance.?

My financial situation:
I am a good candidate for this loan because I have a great paying job, I am responsible and have only hit a bad spell with my credit due to a divorce which is now being cleared from my credit.? Even though my ex filed for bankruptcy and left me to fend off creditors, I paid what I could when I could but it wasn't enough to save my credit.? I would think that anyone who knows me would say that I live by my word, I am reliable and responsible and full of integrity.

Monthly net income: $ 9500

Monthly expenses: $
??Housing: $ 1650
??Insurance: $ 300
??Car expenses: $ 350
??Utilities: $ 250
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 350
??Credit cards and other loans: $ 400
??Other expenses: $ 350

Debt Consolidation

Purpose of loan:
This loan will be used to? pay off smaller credit cards and consolidate debt

My financial situation:
I am a good candidate for this loan because? I work in the accounting field which makes my job safer than many other industries.

pay credit account off

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: $

Capital for Software Company

Purpose of loan:
This loan will be used to fund market capital for newly developed software application. The software application is used for real-time and archive data analytics with focus in energy and manufacturing industries. The capital needed will be put towards multiple user conferences throughout the year to market the product. My financial situation:
I am a good candidate for this loan because:
??? 1) Don't have existing personal or business debt.
??? 2) Full-time employed IT professional
??? 3) Good credit historyMonthly expenses: $
Housing: $1000
? Insurance: $0
? Car expenses: $150
? Utilities: $100
? Phone, cable, internet: $ 50
? Food, entertainment: $ 400
? Clothing, household expenses $ 0
? Credit cards and other loans: $ 300
? Other expenses: $ 0

paying off personal debt

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: $

Paying off my credit cards

Purpose of loan:
This loan will be used to pay off my credit cards and bring an end to the payment of exorbitant interest rates. I would much rather pay an individual a decent rate of interest than part with another dollar to the banks and their criminal interest rates

My financial situation:
I am a good candidate for this loan because I can be depended on to make timely payments. I have maintained open lines of credit for over 15 years and I am reliable to get my payments in on time. The only delinquencies on my account occurred after I was nearly paralyzed in an accident and unable to work for months. I am requesting this loan not out of desperation but as an appeal for fair lending rates.

Monthly net income: $ 2000

Monthly expenses: $ 1000
??Housing: $0
??Insurance: $50
??Car expenses: $60(gas)
??Utilities: $150
??Phone, cable, internet: $150
??Food, entertainment: $200
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $

loan for driller

Purpose of loan:
This loan will be used to?
provide cash flow for my small business for spring start up (business is slow in the winter)
My financial situation:
I am a good candidate for this loan because?
?I have always paid my bills, and I have a long track record of doing so (even in tough times)
I am curently restructuring my business to be more efficent and be ready for future growth.

Credit

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've always paid my bills on time and take this seriously.

Monthly net income: $ 2700

Monthly expenses: $
??Housing: $ 1037
??Insurance: $ 80
??Car expenses: $50
??Utilities: $ 125
??Phone, cable, internet: $ 135
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Second Time Around w/ Prosper

Purpose of loan:?: This will be my second loan request via Prosper, whereby I have made all of my payments to Prosper on time.? This second loan will be used solely to pay off the balance of?my existing?401K loan, which?is deducted directly from my?employee payroll check each month.? This 2nd Prosper loan will be paid back within two months, after I use it to pay-off my 401K loan and renew the 401K loan (which has to be paid "in full" first).? I want to take advantage of the lower interest rate afforded to me via my 401K plan, while gaining access to more of my 401K funds?for the purpose of correcting my?monthy cash flow problems and also reducing?the debt on?some of my existing?high interest credit accounts.? I am willing to pay a higher interest rate on this 2nd loan due to my ability to pay this loan off within two months.? With this renewal of my 401K loan, I will not be taking on another monthly payment; just extending my current low interest rate terms of payment contract.

My financial situation: I am a good candidate for this loan because I have a good credit history with Prosper.? I have been a top performer for a prestigious private company for 20 years.? Professionally, these past several years have seen my career springboard with promotions, recognition awards, annual salary increases, coupled with consistent overtime opportunities. Unfortunately, due to my current debt load and the dip in my credit score, I have been unable to qualify, or negotiate for better/reasonable interest rates with?creditors.? This 2nd Loan from Prosper would allow me to?correct my temporary cash flow issues, while?reducing the balances on my debt.? My credit score recently dropped, when I fell behind on my monthly car loan payments due to repairs required on my 1995 Honda Accord (which is driven by a family member).? I have been in constant contact with my car?lender (Capital One)?and over the course of several months have been making higher payments to bring my account up to date.? I'll be making on-time payments after Feb. 15th of this month.? My monthly payments are high $596, so adding substantially to that balance every month has contributed to my cash flow issues.

Monthly net income: $ 3,944.42 (based on my last payroll statement, which includes solid, historical, monthly overtime hours worked)

Buying an existing business

Purpose of loan:
This loan will be used as part of my funding to purchase an existing musical instrument business. The business has been running for over ten years and produces $120k net income per year. I will be putting an additional 30,000 of my own capital into this business.

My financial situation:
I am a good candidate for this loan because?
The business income alone will more than cover the loan payments but I also earn enough to cover the loan amount without maxing my personal budget out.
My current delinquency is for my home mortgage. We are getting the loan modified and during the process we are making only interest payments.
Monthly net income: $ 12,000
Monthly expenses: $ 4750
??Housing: $ 2000
??Insurance: $ 150
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $ 450
??Food, entertainment: $ 350
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1000
??Other expenses: $ 200

paying off my credit cards

Purpose of loan:
This loan will be used to pay of 10 credit cards

My financial situation:
I am a good candidate for this loan because I have made my monthly payment on time with the loan I have with prosper. I also make sure that I pay my bill on time. I have been on my job for almost 3 years.

Monthly net income: $ 1400

Monthly expenses: $ 300????
??Housing: $
??Insurance: $ 150
??Car expenses: $ 360,71
??Utilities: $
??Phone, cable, internet: $ 243.37
??Food, entertainment: $
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 973.33
??Other expenses: $

Credit Card Paydown

Purpose of loan:
This loan will be used to pay down my credit cards starting with highest interest rate first.

My financial situation:
I am a good candidate for this loan as I am very credit conscience. My credit is excellent and I have never been late on any payment. This is my first time requesting an unsecured personal loan or I would have asked for a higher amount to pay a credit card off in full. What I would like to do is use this amount towards a balance, pay off the $1000, then use this site (or same creditor) for another loan possibly of a slightly higher amount to start really hacking away at my credit card debt. I have already closed several accounts to stop them from going to a higher variable rate and am determined to have them paid as quickly as possible. Due to this I will obviously not agree to any rate higher than my current credit card rate. Thanks

LNL Catering

Purpose of loan:
This loan will be used to? buy equipment for my catering company in order to become a food vendor at Fairs and Festivals in NJ.

My financial situation:
I am a good candidate for this loan because i'm in the military and have a stable job to repay this loan.? I'm a person in need of help to make my dreams come throught.

CAR REPAIRS/PAY 1 CREDIT CARD

Purpose of loan:
This loan will be used to? fix my 2001 car that has transmission trouble and to pay on 1 credit card

My financial situation:
I am a good candidate for this loan because? since 1995 I have been a credit worthy customer.? Recently I have gotten behind on my mortgage because my ex-husband has been laid off for 2 years.? I have not received child support during this time.? Bank of America has placed me in the Making Home affordable progr am
and reduced my mortgage.????
Monthly net income: $ 2642, my dad lives with me and gives me $350 monthly.? I have a part-time job with Liberty Tax and I anticipate about $150 monthly.? I also sell Avon and that is about $100 monthly.

Monthly expenses: $
??Housing: $ 1067
??Insurance: $ 48
??Car expenses: $ 50
??Utilities: $ 150
??Phone, cable, internet: $ 120
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 850
??Other expenses: $

Get rid of my credit cards!

Purpose of loan:
This loan will be used to?

Consolidate my credit cards. I got several cards a few years back; I figured I could get them payed off in a timely fashion. It didn't happen. I have been making minimum payments ever since my main credit card was nearly maxed out. I would never have done such a thing, but it was to repair my vehicle, which is my only method of transportation. I'm looking to get rid of these cards for good and be debt free.

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

I have a good track record on making my payments. While the minimum payment for this loan will be slightly higher than my current minimum payments, it will leave my essentially debt free as I will immediately pay them off, which will be a huge, huge relief. I know I can make the payments on time and I have been steadily employed here for over a year.

Monthly net income: $~800

Monthly expenses: $
??Housing: $200
??Insurance: $0
??Car expenses: $130
??Utilities: $50
??Phone, cable, internet: $0
??Food, entertainment: $200
??Clothing, household expenses $0
??Credit cards and other loans: $105
??Other expenses: $0

Business Credit Card Repriced

NOTE: I am starting this auction at 12%.? I think this is a fair number considering my credit score and cash asset backing.? Propser shows a C rating, likely because this is my first time borrowing here.? Read my story, hope you agree this is a low-risk loan.

Reason:
This loan will be used to consolidate one long-standing repriced Chase personal "business" credit card into a lower interest personal loan.? Years ago I was unfairly repriced to 29.99% and have been since paying $300/mo in interest charges.? Thanks for the tax writeoffs, Chase, but I've paid you enough money.? With your help I will finally kick this longstanding trash of a card to the curb.

A realistic goal is to have this loan paid off within 20 months.? This means I will pay this loan off in chunks greater than the minimum payment for the life of the loan.

Finances:
I am a good candidate for this loan because I am owner of an established online business with annual sales of > $250,000.? I have been in business over 6 years, and over the years have been featured or quoted in several major newspapers, magazines, books and online publications.? My credit is good though I do have a fair amount of personal debt that is currently on year 3 of a 5 year "snowball" plan.? I have over $20,000 cash parked in Ivy mutual funds -- $500/mo is deposited to this account each month as 'emergency cash savings'.? Because of this, you can say this loan is 100% personally guaranteed. ? My wife and I follow a very strict business and personal budget each month to meet our future goal of being debt-free.

This loan payment is already figured in to my monthly budget.? I budget $600/mo for this credit card, and have paid that same amount for the last 3 years.? I have sufficient cash flow and commitment available to pay off this loan within 20 months.? I am prepared to answer any questions you may have.

Thank you for your consideration. Invest with confidence!

purchasing a car

My reason for this loan is for business. I have been without a car note for 9 years and I feel it is time to purchase a vehicle especially now that my job has become mobile. I'm very prominent and always on time when it comes to paying all of my bills. I have good credit and I'm also a homeowner. This loan will cover a nice portion of the down payment on a vehicle and the rest of course will pay of some bills including the remaining balance of my current prosper loan. I'm trustworthy and always under control with my bills .

Project Phoenix!

Purpose of loan:
I have found myself in a position I never thought I'd be in.? Credit cards have gotten near the max through my carelessness.? My nest is burning, but I am?asking for your help to?rise from the ashes like the mythical?Phoenix!?

My financial situation:
My financial situation is very stable; I?have been a statistician for 16 years and have been promoted to a?senior biostatistics manager position.? I make a good income and am paying off my debt slowly.? This loan would help me consolidate those payments and pay them off faster.??Despite my mediocre rating, I have never missed a bill payment of any kind in my credit?history of over?20 years. ?I can be trusted to pay back my debt.?

Thank you for your consideration!

Promoting www.magickidsusa.com

Purpose of loan:
This loan will be used to used to promote a company called Magic Kids & Co in my Michigan county. It has a special program?whereby ?I can set up a special distributer code for a charity and?with an order using this code the charity gets a donation of 10% of gross revenue. I am currently in college getting an AD in Small Business Management/Entrepreneuship and am curretly taking extra coursework in Advertising and Applied Marketing so I know what I am doing.
?

My financial situation:
I am a good candidate for this loan because because I have an income from the VA and Social Security. It is just that I suffer from an emotional disorder and got sick two years and blew up my charge card. I have?since been placed on additional medication and am doing fine. Then last year Bank of America and Chase jacked up my interest rates. Some of the money is going to be used to finish fixing up my guest bedroom and I will be posting notices on campus for a roommate who doesn't smoke, drink or do drugs and I will have that extra money. ?

closed out debt

Purpose of loan:
This loan will be used to pay off the high interest credit cards that accumulated over the past two years due to the economic crisis.? I have since closed these accts and would like to get rid of them all together a few at a time.

My financial situation:
I am a good candidate for this loan because? I have a secure job of over 21 years with an increasing salary through out.? I refinanced over a year ago? to get rid of an interest only loan which caused my mortgage payments to more than double at a time that i added a large day care bill to the family. My credit score has decreased drastically as i struggle to stay on top of all the high interest payments.? I will not let any of you down nor have i ever defaulted on anything.? I had an impeccable credit score until the budget crises and it is now a domino effect.? I provide the necessities for my children, but I do not go overboard as the older ones must have jobs and assist with themselves.? I am a responsible person asking for your generous assistance.

Monthly net income: $ 4700

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 200
??Car expenses: $ 494
??Utilities: $ 300
??Phone, cable, internet: $ 125
??Food, entertainment: $ 600
??Clothing, household expenses $ no set amount, i shop for the kids twice a year.
??Credit cards and other loans: $ 150-200
??Other expenses: $

Paying off credit cards

Purpose of loan:Sometimes bad things happen to good people and sometimes it?s just ?life? that happens. For me it was just that ?life? happened. A divorce and an involuntary job loss caused some things, that had they happened one at a time would have been managable.? I went from a $45K a year job to a $25K a year job. I could have adjusted to the additional expense after the divorce by simple cutbacks and doing away with luxury type expenses. But when the income went away too I fell into the credit card trap.
I have now worked my way up in the busines world and received a big promotion at work.? Unfortunately my past credit trouble prevents me from getting a loan to consolidate stupid credit card debt.?
In order to make this loan make sense I had to borrow enough to pay off enough credit cards to make the loan payment less than the total of the credit card payments otherwise I would only be perpetuating the debt cycle.
I am a good risk for this loan because I am committed to getting my finances on track. It's time to start planning for my "golden years" and retirement.? I don't want to be 70 years old and NEED to work, I want to be 70 years old and be able to work if I choose.? I can do this with your help!

Income before bad debt situation: $45K/yr
Income when debt started to decline $25K/yr
CURRENT INCOME: $80K/yr

Prepay For Summer Camp

HI everyone ,

First let me start off , this is my 2nd time applying for a loan on prosper , , My first time was about 4 years ago, I was approved and paid the loan in full

This time around i want to save some money

i send 3 kids every summer to summer camp , costing me a total of $4600 , for an 8 week program, they are offering a wonderful prepayment plan to pay now for $2900 , the camp is still owned by same family , been in business about 16 summers , so im not nervous about them not being around , my kids have plenty of friends who are going as well

my credit isn't too good , but Ive been paying all my obligations and even had a prosper loan that was paid in full recently

i dont plan on keeping this loan to full term and will prob have it paid off with weekly payments over a 9 month period

business expense

Purpose of loan:
This loan will be used to pay expenses while generating advertising web site and negotiate contract for sale of company.

My financial situation:
I am a good candidate for this loan because I have an 80 year record of meeting obligations. My credit rating reflects that record and my last loan was paid off early.?

Buying my 1st car !!!!!!

Purpose of loan:
This loan will be used to buy my first car, I will be using it to go to work and back home and go out on sundays?with my family

My financial situation:
I am a good candidate for this loan because I have very good credit and I have two credit card thats in ZERO balance. So as of right now I dont owe.!!!!!! I work 5 days a week. 30-40hrs...im tired taking the bus,its very cold out there!!!?? :(

Working Capital

Purpose of loan:
Working capital for a new resturant opening in winchester VA
.
My financial situation:
I am a good candidate for this loan because I have a high credit score (820), a good paying job that I do not plan to leave, until the business demonstrates sufficient profits, and alot of support from suppliers, the franchisor, and the landlord.

Additionally, I have no debt, aside from two mortgage payments of 1900, and 350 respectively. The only utility I pay is electric so, I have quite a bit of disposable income.

$3500 for wedding! Pay off CC debt.

Purpose of loan:
This loan will be used to help pay for my wedding.? My fiance and I are to be married on May 30 and, because we're both rather frugal and prefer a laid-back outdoor wedding, we are currently on track to spend just $5100 for the whole thing (including wine, rings, food, and the beautiful dress she's making herself!).? I'll be using the rest of the money to pay off my big credit card balance ($10,200) with a company that decided they wanted to raise my rate from 9% to 17% for NO REASON!? Not naming names, but I'll never use a card from D******r again.

My financial situation:
I am an incredibly frugal person and actively manage my finances to ensure I'm doing alright.? My fiance and I carpool to work so we only need one car.? I have never missed a payment on my college loans, credit cards, utilities, etc.....ever.? But mostly you should lend me the money because there's almost zero risk to you.? I actually have a positive net worth - I just don't want to sell my stocks and gold and drain my emergency cash reserve to pay off my credit card debt.? I prefer to stay well-diversified, and to me that means using minimal and manageable levels of debt.? I'm just not willing to pay my credit card company their usurious rates (I'd rather pay you slightly less usurious rates)!

Monthly net income: $ $4,667.1

Monthly expenses: $
??Housing: $ 395
??Insurance: $ 110
??Car expenses: $ 120
??Utilities: $ 295
??Phone, cable, internet: $ 95
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $1000 college and other loans
??Other expenses: $ 250 to Roth IRA,

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?be a big help.

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 that is why?I need to get this loan so I can pay a few things off and start the New year off in control of my debt. Thanks for bidding

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 don't buy clothes and household expenses on a monthly basis?
??Credit cards and other loans: $450
??Other expenses: $0
Total=$1760 I will have $240 dollars extra every month to pay this loan.

Office improvements new equipment

Purpose of loan:
This loan will be used to help in updating out of date equipment for my business and also to be able help with advertisement and news paper ads.? In the past I have done loan modifications but am now focusing on debt settlement and and credit restoration.? I have a good work history and I know I can make better progress with this loan.? I have the will and the determination to succeed and help others in their time of need.

My financial situation:
I am a good candidate for this loan because I already have a small base of clients so I am receiving monthly income and each day I get a group of referrals.? I have several agents that work with me.? With this loan I can get updated computer equipment for each of my agents, new office equipment, and be able to advertise and build up my client list.

Monthly net income: $ I am currently making $4500 a month

Monthly expenses: $
??Housing: $ paid off ????
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 300
??Phone, cable, internet: $ 80
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses: $ 500

windows and bathroom

Purpose of loan:
This loan will be used to?winterize my house,change the windows?

My financial situation:
I am a good candidate for this loan because?I have been paying my bills on time?

Monthly net income: $ 2300

Monthly expenses: $
??Housing: $ 619
??Insurance: $ 49
??Car expenses: $?89
??Utilities: $ 120
??Phone, cable, internet: $?90
??Food, entertainment: $ 100
??Clothing, household expenses $ 60
??Credit cards and other loans: $ 150
??Other expenses: $ 100