Paying off high interest debt

Purpose of loan:
This loan will be used to completely pay off a high interest credit card debt so?as to?better manage my finances.? I am stuck in a cycle that will not allow me to pay down this debt - the interest rate is at 29.99%.? Last month my payment of $175 was?impacted by a?$116 finance charge.? At this rate it will take 28 years to pay off the credit card!!? This prosper loan will help raise my credit score to where I feel it should be because I will have no longer have any credit card debt.

My financial situation:
I am a good candidate for this loan because I am highly motivated to take control and pay down my existing debt.? I am?a hard-working individual with a stable source of income and a steady paycheck.? I am simply looking to spend less in finance charges per month and work towards eliminating the outstanding balance at a faster pace.

Monthly net income: $ 2700

Monthly expenses: $ 1917
??Housing: $?1052
??Car payment: $ 360
??Fuel: $45
??Utilities: $?85
??Phone, cable, internet: $ 100
??Food, groceries, entertainment: $ 200
??Clothing, toiletries, household expenses $?75
??Credit cards and other loans: Will be paying the only?one left?with the Prosper loan =?approx. balance $4000
??Other expenses: $ Negligible

Amount available to pay Prosper loan = $783 ($2600 - $1917)

to rebuild credit

Purpose of loan:

I had to file bankruptcy because of some bad business debts that I personally guaranteed. I have a long history of excellent credit and still have a credit card through my bank. My credit score is back to the?upper 600?s months after bankruptcy. I want to obtain this loan to establish credit for an installment loan and raise my credit score.? Thank you

Build an emergency nest egg!

Purpose of loan:
Hi, I really need to create an emergency nest egg.???? My goal is place this money in a "CD Ladder".?? A portion of these funds also will be used to pay off my credit card bills.

I plan to start using "cash/ debit cards" from this month.?? So I don't have to worry about credit card bill payment, and also lower my monthly expenses (cell phone, cable tv,? eating out etc.).

I am hoping to repay this loan in monthly installments within 2 years.

Thanks!

paying off loans

Purpose of loan:
This loan will be used to? pay of a couple of loans

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

Capital for a Business Venture

Purpose of loan:
This loan will be used to?
Start a home based business. I will use this Capital to further my education in my new Venture. I plan on attending a seminar this march for further education in this field. My plan is to be able to purchase at least $100,000 in delinquent credit card loans from various banks. With the purchase of this delinquent credit cards loans, my goal is to have bought them for pennies on the dollar and in turn get at least half of the amount due back from the clients.
My financial situation:
I am a good candidate for this loan because? I am hard working and a trustworthy.. I?am sure that ?with this start up funding I will be able to move forward in this business venture. As. with every loan, there is risk, but I want the valued Investors to know I am a Safe Bet... I want to give you my Thanks for your consideration.?

High APR Relief

Purpose of loan:
This loan will be used to... consolidate credit cards I used to set up home for me and my kids after my recent divorce, which increased from 8.9% to 29.99% when I chose not to opt out by closing my cards in September.?When my interest rates jumped, my payments jumped and a quarter of my expenses every month go straight to my cards, instead of my kids and necessities.
My financial situation:
I am a good candidate for this loan because? My median credit score is a 698 (Feb. 8) so I'm guessing the low one showed here.? I have no late payments and?no collections;? I pay my bills on time.? My score would be higher if my balances decreased every time I made a payment instead of going to interest.? I just would prefer to spend all this interest money on my kids' needs.? I was a stay-home mom for 10 years and owned 3 homes with my ex.? He lives in our big house and kept the other 2 as rental properties, and all the financial responsibilities are legally his.? Unfortunately, I am still on all 3 mortgages (1st & 2nd's and home equity line) until next February, so I do not qualify for a consolidation or basically any credit at all until I am removed from those properties because I'm technically liable for the monthly payments (my expense), even though they are not my responsibility and he pays them religiously.? I am frugal, and dedicated to the quality of my kids' lives and am looking for alternative lending in the meantime.

Monthly net income: $ 4688

Monthly expenses: $ 4285 (currently!)
??Housing: $ 1900
??Insurance: $ 104
??Car expenses: $ 396
??Utilities: $ 200
??Phone, cable, internet: $ 85
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000?currently
??Other expenses: $ 200 gas

Going back to Summer School

Purpose of loan:
This loan will be used to? Go back to school. I want that DIPLOMA!

My financial situation:
I am a good candidate for this loan because? I have a great car that is paid off, never late on any payments(rent, utilities, cc...)

Monthly net income: $
38000 +
Monthly expenses: $
??Housing: $ 350
??Insurance: $ 24
??Car expenses: $ 50 gas
??Utilities: $ 25
??Phone, cable, internet: $ included w rent
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ 150 for whatever :)

Expansion of Current Business

The purpose of this loan is to expand my existing business. I want to possibly move to a larger space, where we can offer more choices to our clientele. We are currently working on new products that will add to our current faithful customer base; these products will appeal to a different demographic. I also want to expand the offerings made on our website.

I am well-qualified for this loan. I have already made plans in anticipation of this loan, in order to ensure monthly payments will be made easily. (We are almost finished paying off a similar loan for twice as much in 6 months.) The store has consistently been profitable year-to-year. The store is well-established, has a faithful, diversified customer base and is located in a prominent community. I have over 13 years in the specialty gift store industry. Currently, I offer well-known brands of candles and bath & body such as Thymes, Votivo, Lafco, Seda France, Pre de Provence, Archipelago, Trapp, Illume and more. I also stock home decor and gifts by Oscar de la Renta, Sid Dickens, Fringe Studios, Patience Brewster/Krinkles, Department 56 and more.

Thank you for your taking the time to read this. I hope you found a great investment here to which you can lend confidently.

Wife needs a car to commute to work

Purpose of loan:
This loan will be used to purchase a vehicle for my wife to commute back and forth to work.?

My financial situation:
I am a good candidate for this loan because I've never missed a payment on a debt obligation.

Monthly net income: $ 4,500.00

Monthly expenses: $ 2,625

Bookkeeping/Tax Office- A+ Borrower

Purpose of loan:
I am an accountant. This loan will be used to hire independent contractors during the tax season and expand my bookeeping practice after tax season. My financial situation:
I am a good candidate for this loan because I have been an Accountant?since 1997. I am now running my own?Accounting practice as a sole practitioner. I have?NEVER been late on any payments. ?I am certain the cash flow will come since my business is a recession proof industry.??I am also very conservative by nature and training.

My outstanding debt is

Home Equity Line of Credit: (Remodeled in 2006)
$54,000 +/-

Credit Card:( Start up Capital for Business)
$44,000 +/-

Credit Card: (Car Purchase)
$19,000 +/-



Monthly Expenses:

Mortgage and HELOC?PITI :1,800
Car Payment: 560
Phones:250
Utilities:100
Food:400
Credit Card: 300

Need cash while home is for sale

I spent over a year building my dream home overlooking Lake of the Ozarks. While building the house the recession began and I found my 2009 income fall below what is required to service the mortgage. I took a chance building a grand house but my timing could not have been worse. The house is for sale and may be seen at www.thebeautifulrock.com I will down size to a house paid for with cash from the sale of this home. I would appreciate your help.

Buying Customer Return Merchandise

Purpose of loan:
This loan will be used to expand a business selling customer returned items on ebay and craigslist. I have a reliable warehouse source for customer returned merchandise. I have been buying items, mostly electronic, from the wholesaler and selling 90% of the merchandise on the local market, mostly craigslist. Items include ipods, cell phones, flat screen TVs, Nintendo game consoles, digital cameras etc. I am looking for capital to invest in buying merchandise in pallets that way I can get larger cash discounts and at the same time expand my market to include eBay. A good percentage of the merchandise that I purchase from this wholesaler is returned goods due to customer dissatisfaction and functions 100% and therefore sells very fast. Electronics goods move very fast I have turned my garage into a goods store where I will store the merchandise. I have attached a picture of what sample goods look like. It bears mentioning that this is my second loan here at Prosper, and I repaid my 1st loan in full.

My financial situation:
I am a good candidate for this loan because I am not currently burdened by a lot of monthly payments, I just finished paying off my vehicle, thanks to this business that I have been doing on the side, and my credit card debt is at a minimum. This is not something I am trying for the first time; I have been doing this for close to 2 years only on a smaller scale. I do not have even one late payment on my credit because I believe in making my payments on time! Not sure why Experian has my credit score as a D, please click here to view the report that prosper was able to pull from my credit. As you can see I have a 700+ credit score!

Buy back for retirement

Purpose of loan:
This loan will be used to?buy back 1 1/2 years of withdrawn funds from Georgia Teachers Retirement.? I took out 3 years and the cost to buy them back is 6200.?? I am saving and watching every penny I spend. I should only need the 1,200 requested to have my 6,200 needed to buy back my retirement. When I buy back my retirement, I will be able to help my parents who need assistance. Also, I will be working part time after retirement.

My financial situation:
I am a good candidate for this loan because I will be paying this back in 2010. I only need the amount for a short period of time. My credit score is not as good as it was at one time.? I had a small business that failed and I used personal credit to start the business. I have been working over the past few years to build my credit back up. The lateness and past dues on my credit report are from the failing business. I settled with each of these companies. There is still approximately 1,100 showing as outstanding, but I settled this account in 2005; I have not been able to get this corrected on my credit report as of yet. 2004--2005 was a horrible period of time. I did lose about everything I had due to the failing business. Since this time, I have worked to rebuild my credit. If you choose to bid on my loan request, I guarantee I will not let you down. Thank you.

Monthly net income: $ 4735.00

Monthly expenses: $
??Housing: $ 1600.00
??Insurance: $ 135.00
??Car expenses: $ 720.00????
??Utilities: $ 175.00
??Phone, cable, internet: $ 140.00
??Food, entertainment: $ 125.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 165.00
??Other expenses: $ 250.00

Home Improvement

Purpose of loan:
This loan will be used to finish the swiming pool that was started three years ago, but was a victim of of a contractor taking my money.? I would like to finish my pool for my family to enjoy it for this summer.? I have been saving for the last three years but I do not have enough to get the new company to finish the job that was not completed.

My financial situation:
I am a good candidate for this loan because I have a no mortgage or rent to pay.? I have been working in the Credit Restoration field for the last three years, and I have other partime jobs.

Monthly net income: $ 6,000

Monthly expenses: $ 3,000
??Housing: $ 0
??Insurance: $ 120
??Car expenses: $?650
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $?600
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 500
??Other expenses: $

Improving Credit One Step at a Time

Purpose of loan:
This loan will be used strictly as a credit bureau reporting tool.? In the past I had a loan through Prosper, which I just paid off.? Having the loan on my credit in good standing has helped boost my credit score and I would like to continue that process.? I do not currently use credit cards (I do have one for emergency, with no use or balance currently) or a car loan, so it would be beneficial for me to set up another loan on Prosper to keep the good monthly reporting going.? The majority of the money would sit in an online bank account with the Prosper loan being automatically drawn each month.? I would use a $325? to pay my remaining tuition bill for school.

My financial situation:
I am a good candidate for this loan because I have successfully paid off a previous Prosper loan (as well as have funded loans for others).? Although my credit may not be great, it is a picture of who I was 5 years ago, not today.? I am working towards creating a stable career and financial cushion.? In the last 3 years I have managed to pay off all credit card and auto debt (currently own my car with no payments), and continually work on satisfying additional bad debt collections.
My previous prosper loan was one of two loans (the second being a paid off car loan) I kept on my report to help build my credit score back up.?
After reviewing the credit report attached with this listing, I have plans to contact all credit bureaus to receive a copy of my report as there seems to be several inaccuracies.? I currently monitor my credit with MyFico.com and the information provided does not match what I review on a monthly basis and have used as a benchmark to help fix my credit score.

Monthly net income: $ 3333

Monthly expenses: $ 1287
??Housing: $ 750
??Insurance: $ Paid in full annually at $264
??Car expenses: $ 40 (gas)? No car loan
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Starting A Business

Purpose of loan:
This loan will be used to start a home based business.

My financial situation:
I am a good candidate for this loan because I have always paid past loans on time and have no debt.

Reinvesting back into Prosper

Purpose of loan:
This loan will be used to make more loans to Prosper borrowers.I am trying to test out my own lending skills and at this point? I am essentially allowing other bidders to invest into my listing (almost risk-free given my personal financial profile) and will reinvest every dollar back into loans to other Prosper borrowers. Currently I have around 20 loans I have invested in with a 100% success rate.

My financial situation:
I am a good candidate for this loan because I have no debt, have a six figure income, excellent credit, and plenty of collateral in the form of my personal assets and newly issued Prosper loans.

Please Help With My High Int. Loans

Purpose of loan:
This loan will be used to?payoff high interest Pay Day Loans. ? Due to a misunderstanding with our Lender regarding our property tax payment, the Lender has forced an escrow account.? My husband was out of the country to see a family member on an emergency and forgot to pay the property taxes.? When we received notification from the lender, we mailed a check right away.? The lender was not understanding and they forced an escrow account anyway!? The monthly mortgage payment increased by $600 a month. I had to take out Pay Day Loans to cover the increase in the mortgage payment.? Since then, our lender has modified our loan (not refinanced), and this has worked out fine.? We have set up payment plans for the Pay Day Loans since January, but the monthly payments are $638 a month. I'm afraid this will cost us our credit as we are not able to keep up with these payments.? If we can pay off these loans, we can get our lives back on track!
My financial situation:
I am a good candidate for this loan because?I always make my payments on time.?
Monthly net income: $3,100

Monthly expenses: $
??Housing: $2000
??Insurance: $200
??Car expenses: $60
??Utilities: $ 260
??Phone, cable, internet: $150
??Food, entertainment: $ 240
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 600
??Other expenses: $ 100

Need Help for Unexpected Expenses

This loan will be used to cover bills, after some unexpected expenses (car repairs/ house repairs). We?re college educated, employed and homeowners. We've had a rough time with prior unemployment, house & car expenses and uncovered health expenses.? The majority of our history is continuous, prompt bill payment with one period in time (unemployment) where we had a number of bills get behind, which we then paid off once we were able.

Right now, both my wife & I have stable employment. We have 2 kids. I give back to my community by volunteering as a firefighter. We're reliable people, looking to build our credit back up.

Monthly net income: $ 10,166 (before taxes- combined household)

Monthly expenses: $
Housing: $ 2737
Insurance: $ 250
Car expenses: $ 275
Utilities: $ 500
Phone, cable, internet: $ 350
Food, entertainment: $ 600
Clothing, household expenses $ 300
Credit cards and other loans: $ 1000

Plumbing repairs

Purpose of loan:
This loan will be used to?plumbling reparis?

My financial situation:
I am a good candidate for this loan because?i have always paid my bills on time.? I am applying for this loan alone, but my husband's income is also use for our monthly income and bill payments.

Monthly net income: $ 2700.00

Monthly expenses: $
??Housing: $ 879.00
??Insurance: $ 150.00
??Car expenses: $ 0000
??Utilities: $ 200.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 125.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 1500.0
??Other expenses: $ 200.00

Paying For Son's Semester at school

Purpose of loan:
This loan will be used to pay for my son's school this next semester. He thought he would be able to take care of it but looks like I will have to help him out. Education is a great investment.

My financial situation:
I am a good candidate for this loan because I will have no trouble at all paying back this debt I plan on paying it back within the next year.

We need a good jumpstart!

Hello,
We are a company that has been in business for eight months. Our company currently consists of two co-owners. ?In our first month we generated $13,141 in receivables, $15,000 in July, and around the same for the next several months. We receive payments on our receivables over 18 months on average per client. Given that, we are seeking a small monetary injection to help us grow.

The loan we propose is not a determining factor of whether our company stays in business, nor does it reflect negatively towards the health of the company.? On the contrary, we would like to grow our business at a faster rate and this loan would aid that. We estimate that a loan of $7,499 will help us to generate an additional $65,000 in receivables over the next 3 months.

The loan we are proposing would be used to purchase a more leads than our current budget will allow, which will yield more clients quicker than what we can accomplish currently.We will also be able to purchase a higher quality of lead.

Consolidation

Purpose of loan:
This loan will be used to consolidate debt, to better my financial situation. I want to focus on putting money into my thriving business

My financial situation:
I am a good candidate for this loan because I own a business that is?thriving and I have a great payment history.?My spouse pays all household expenses, I don't contribute to the home financially.

Monthly net income: $
5,400
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $ 320.00
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $?1200
??Other expenses: $

Paying off outstanding debt

Purpose of loan:
This loan will be used to pay off my outstanding debt so that I can clean up my credit report. To be honest, I would like to eventually buy a house and I know that my credit needs to be in much better shape.

My financial situation:
I am a good candidate for this loan because I have stable employment. I have never been late on my credit cards or my car loan. I am serious about my finances and?I am trying to set an example for my daughter as well. I happen to be in a situation where I do not have rent or utility expenses at the moment. I'm living with my sister and I take care of the cable/phone/internet each month and pitch in for groceries and household necessities.

Monthly net income: $ 2635.

Monthly expenses: $
??Housing: $
??Insurance: $ 100.
??Car expenses: $ 225.
??Utilities: $?
??Phone, cable, internet: $ 200.
??Food, entertainment: $ 150.
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 150.
??Other expenses: $ 100

SoccerTots Franchise in Boise,Idaho

Purpose of loan:
This loan will be used to?
Pay the initial franchise and start-up fees associated with starting a franchise of SoccerTots in Boise, Idaho.

My financial situation:
I am a good candidate for this loan because?
In my full time job as a paramedic I only work 2 days a week (2-24 Hour Shifts). During my 5 days off a week I could fully commit myself to this business. I would like to be able to at some point in time make the transition to only running this franchise. My credit is pretty good. Never a late payment. Its not as high as it could be ONLY because me and my wife have been trying to have a baby and put the last round of fertility treatment on our credit cards which has pushed our credit down a bit. Other than that we have no other credit card debt! We own both of our cars. We are extremely tight with our budget and it has helped us get to where we are today. The SoccerTots Franchise is a highly successful and established business. If not, it would not be growing like it is. Please, if you have any questions about the company visit soccertots.net and check it out for yourself.

Monthly net income: $ Between me and my wife we net approximately $5000/month

Monthly expenses: $
??Housing: $ 1150
??Insurance: $ 100
??Car expenses: $ 0--yes, we own both of our cars.?
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $ 0

Paying off my credit cards

Purpose of loan:
This loan will be used to pay off Credit Cards.? With the new laws Credit Cards are going from single diget APR's to double.? I have one that tells me to check the national APR at the end of each month and that is what my APR will be.? I've had enough I want to pay them all off!? With this loan at a smaller APR.

My financial situation:
I am a good candidate for this loan because I'm making all my payment with no problem I'm just not going to give my hard erned money to some Credit Card Compay because of some stupid law changes and because they can.

China Media Business

Purpose of loan:
This loan will be used for business purposes in the China new media market.? I am a partner in a branded content agency which produces shows and generates ad revenue.? We make content for web, mobile, broadcast TV, feature films and events in China.? Whichever screen the content is produced for, we develop an interactive web community that attracts Chinese netizens to communicate directly with brands.? It is the leading edge of branded work in the most dynamic market in the world today.

My financial situation:
I am someone who spent 10 years at one company running a division of a multi-national supply chain management firm focusing on China trade.? The experience taught me business development well.? I left to go back to school, and to pursue my creative entrepreneurial dream back in China.? It has been a rewarding journey that now needs some help.

Monthly net income: $4000

Monthly expenses: $2875
??Housing: $950?
??Utilities: $25
??Phone, cable, internet: $100
??Food, entertainment: $175
??Clothing, household expenses $25
??Credit cards and other loans: $1500
??Other expenses: $100

operational expenses

Purpose of loan:
This loan will be used to? equipment and supplies for market expansion

My financial situation:
I am a good candidate for this loan because?my business has generated 6 figure sales for the last 14 years

Need to repair foundation, sewer

Purpose of loan:
We are fixing up our home. We need to stabilize the foundation, put in a sump pump and repair the sewer drain lines and plumbing. With this loan we will be able to fix these issues. We are paying most of the cost out of pocket but are $5000 short.
My financial situation:
I am a good candidate for this loan because?I am a responsible person who works full time and pays all my bills on time. I just did not have enough money set aside for such extensive repairs. I do not have credit cards, a car loan or any other type of a loan. My only monthly payment is $1200 on a mortgage (fixed rate mortgage). I am married and my husband makes $32,500 (salary). I am a Realtor who sold 21 homes last year. We are blessed with a good real estate market so I still have plenty of work.

Adios, credit cards

Purpose of loan:
This loan will be used to pay off one last credit card balance, completing almost three years of persistent debt reduction.

My financial situation:
I am a good candidate for this loan because we're frugal people who have worked hard and cut expenses to pay off about $50,000 in credit card debt since 2007. We have no car payment or any other debt. We can very easily handle this payment, so your investment is a sure thing. Note that the revolving credit balance in my credit profile above is not quite up-to-date -- this will cover the last of it. Thanks for your consideration.

putting a/c unit

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: $

Low, Low Risk

Purpose of loan:
Pay off credit card debt.

My financial situation:
I am a good candidate for this loan because my financial situation is not bad, in fact, our business is doing very well, trending upward.? My wife and I (married 15 years) both are medical billing coders for two clinics.? We have been in the medical field for over 11 years and been self-employed since 2005.? We work side by side because we love each other.? We do charity/volunteer work usually two days each week.? We own our home, never been late on any mortgage or credit card payments.? We just need to consolidate to make payments easier and see the light at the end of the tunnel.? The reason I have credit card debt is because we made an investment that did not work.? Unfortunately, that created a loss of over $15K (stolen from us), not including extra time and effort trying to resolve the issue.? We had to involve the police and attorneys, which resulted in more money being lost.? With this happening I went to Washington, DC to discuss the Freedom of Information Act in regards to the medical field.? In the meantime, my mother has been very sick and we have taken her to Arizona and Minnesota Mayo Clinics, then I recently had to have a procedure done, too.?

Monthly net income: $6000 is low end, it varies, but is always more than $6000, depending on the productions and collections of the clinic

Monthly expenses: $
??Housing: $ 1390
??Insurance: $ included
??Car expenses: $ 380
??Utilities: $ 150
??Phone, cable, internet: $ 325
??Food, entertainment: $ 500
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 1500
??Other expenses: $

paying off my credit cards

Purpose of loan:
This loan will be used to?

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

Monthly net income: $

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

Eliminating High Interest Debt

Purpose of loan:
This loan will be used to consolidate credit card debt and obtain more favorable interest rates.

My financial situation:
I am a good candidate for this loan because I am very responsible with solid employment. I work in trade compliance and logistics for a leading manufacturing company. I'm not sure if I am supposed to mention its name so I won't, but we are a fortune 500 company and we blew the doors off last quarter's earnings!
My wife and I have absolutely no delinquencies and we take a pro-active approach to managing our finances. We use a detailed spreadsheet to track every dollar spent and prepare for every bill, extended out to the end of 2011. We are currently paying down our debt, which we've built up in the passed 2 years with expenses related to our wedding and my wife's immigration (The process is complete and she now has her work permit and is seeking to enter the workforce. Any income she produces will be pure gravy) We pay extra on every single bill and we will continue to do so, but every month I hate seeing how much money is going to interest rather than to equity. And of course the credit card companies want to raise their rates before the new government regulations hit them...?even though?I have never been late to pay them! This loan will be used 100% for credit card debt (aside from the Prosper fee). Not a single penny of new debt will be created.
Thank you for your consideration.

surgical money for my sister

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?
yes
Monthly net income: $
2100.00
Monthly expenses: $
??Housing: $ 665.00
??Insurance: $
??Car expenses: $
??Utilities: $ 55.00
??Phone, cable, internet: $ 45.00
??Food, entertainment: $ 68.00
??Clothing, household expenses $ 60.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 0

High-Tech Products to Market

Purpose of loan:
This loan will be used to file patents and?market extremely valuable technology for the United States.? Please support my efforts.

My financial situation:
I am?an excellent candidate because I have no debt and a scientific professional with 35 years experience,?business?acumen and products to market, committed to providing technical innovation to the United States.? I am happy to highly reciprocate you for your loan -- an? investment in me is an investment in you, so let's make it happen together.? Thanks!

Monthly net income: $ 7,200

Monthly expenses: $
??Housing: $??805
??Insurance: $ 120
??Car expenses: $ 100?
??Utilities: $ 200
??Phone, cable, internet: $ 250?
??Food, entertainment: $? 250
??Clothing, household expenses $ 200?
??Credit cards and other loans: $ 0?
??Other expenses: $? 250

Getting out of debt b4 its too late

Purpose of loan:
I plan to use this loan to pay off my school bills and other monthly bills that I am currently struggling to pay. I am very blessed to have amazing parents that stand by me through whatever happens. I would ask my parents to help me out on this but they have their own financial things to deal with at the moment. I have worked ever since I graduated high school and have tried hard not to be a financial burden to my parents. I believe I have a good understanding of the importance of creating an independent lifestyle for myself as an adult. I?m living at home right now, but really want to be able to save up enough money so that I can go back to school or move out on my own. I really want to do this on my own with your help so I can show my parents that I am responsible and that I don't need to rely on them for much. And this way if they need my help I will be able to.

I have made some poor decisions when it comes to money. I went back to school thinking it would be fully paid for, but with the paperwork getting messed up, my schooling was not paid for, so now I am left without anybody to help and this is why I need your help. Please I Need It!

My financial situation:
I am a good candidate for this loan because? I am very responsible and I have a well paying job that I will be able to pay this back with no problems.

Monthly net income: $ 2500

Monthly expenses: $ 200
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 60
??Other expenses: $ 40

Paying off Debt and very reliable

Purpose of loan:
This loan will be used to pay back a fellow coworker who helped me out 2 years ago when I needed financial help.?I am in no financial hardship but would like to take responsibility and do what is right and pay him back.??

My financial situation:
I am a good candidate for this loan because I am a very trustworthy individual.? Other than my Mortgage and 1 credit card (very small balance) I have no debt. I have a Bachelors Degree in Criminal Justice and Psychology.? I have been employed with my current job as a contract employee in Federal Law Enforcement for the past 20 years.? Date of hire was 4-13-1990.? I also have worked a part time job on the weekends working in a Hospital setting as a Mental Health Specialist during the past 19 years.? Yes, I am a ambitious individual.? I am a homeowner and have been in my current home for the past 14 years.? Bottom line:? I'm not going anywhere.??The purpose of this Loan-I'll be honest as why shouldn't I be- to pay back a great coworker of mine who helped me out several years back financially when I needed help due to personal reasons.? I have been paying him back $6-700.00 Dollars a month but he is looking to make a purchase of a Car and there is no reason why I should not be able to take responsibility now and pay him the full amount he loaned me back.?

Despite my credit score being in the upper 600's-I was always a Guy well into the mid 700's and have 20 years plus of trade lines on my credit history showing 1000's of on time payments.??

I am very responsible and being single I am able to make?the payment on this Loan.

I have a generous amount in my 401k (not able to take a loan against) and a great retirement ahead.

I hope you will read this and be able make this happen.? If it doesn't-I'll just continue to pay my coworker back on a Monthly although I would like to finally pay him back all at once.

Other than my 1st and 2nd Mortgage, I have no debt?or credit cards other than a Chase Card with a balance of about $1200.00.

My second job at the Hospital always has additional shifts available so I am in a pretty nice position between my two jobs which are both very secure.?

Monthly net income: $3980.00

Monthly expenses: $
??Housing: $1340?
??Insurance: $45
??Car expenses: $ 0
??Utilities: $ 35
??Phone, cable, internet: $45
??Food, entertainment: $75
??Clothing, household expenses $0
??Credit cards and other loans: $30
??Other expenses: $

Medical Operation Help!

Purpose of loan:
I need this loan because I am trying to get breast augmentation done.? I'm afraid to tell people this, because I'm afraid people wont understand why I'm doing it, and wont consider me...So please, hear me out...I'm a full time student and also work full time. I have been made fun of for my less-than-a-cup breasts since I was very young.? My nickname from middle school through high school was the "flat plains" which was then reduced to "great craters".? I've gone to therapy for years and have a healthy state of mind and am completely capable mentally to handle the operation.? I'm not getting it done because of anyone else, it's just hard to feel feminine and womanly when I cant fill out any shirts and don't have any curves.
? I have been trying to save up for breast augmentation myself, but have been unable to save much of anything because I have bills to pay and school to pay for.? I CAN pay off this loan, I just haven't been able to get approved at some of the places I've applied to for a loan.? (I'll explain why at the bottom)

My financial situation:
I am a good candidate for this loan because?First of all, I am a very trustworthy and reliable person.? I always keep my word.? I am stingy with money and spend only on necessities.? I walked into a bank just a few weeks ago and met a man who happened to be the president of the bank, and he BEGGED me to come work for him right then and there.? I sent in my application and they said I had fine credit (not sure what the score was) and that I could work at the bank.? So I figure the fact that I work at a bank shows I know how to manage money AND that I have a fairly good credit report (which is a requirement to work there).? I've been denied by some places because I either didn't have a co-signer or I had such limited credit, or something.? But not "bad" credit.? I'm a really smart girl who wants to go to medical school to be a neurologist, it's just that I really, really need implants to give me that confidence boost so I can feel confident when I talk to people, when I walk into a room, etc. This really has been a dream of mine for YEARS.? Please help my dream come true and you will NOT be disappointed!? I'll pay high interest rates!? I will do anything to finally have this procedure done.

Paying off my credit cards

Purpose of loan:
This loan will be used to? Consolidate my high interest 30%?credit cards.

My financial situation:
I am a good candidate for this loan because? I am motivated to get debt free and stay that way.

Monthly net income: $ 875

Monthly expenses: $
??Housing: $ 50
??Insurance: $ 0
??Gas: $ 300
? Car expenses: $?0
??Utilities: $ 0
??Phone, cable, internet: $?120
??Food, entertainment: $ 140
??Clothing, household expenses $ 10
??Credit cards and other loans: $ 100
??Other expenses: $ 5
? Total of the above: $725

buying a used car

Purpose of loan:
This loan will be used to buy a car.

My financial situation:
I am a good candidate for this loan because I have a stable job and I have been at the current job for 5 years.

Monthly net income: $ 3,0000

Monthly expenses: $
??Housing: $ 500
??Insurance: $?0
??Car expenses: $ 0
??Utilities: $?0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 0

Company Expansion

Purpose of loan:
The California water crisis is a growing concern for residents and they are turning to solutions like NewGrass that help them curb water use in their homes and businesses. In fact in the past three years the sales for NGLD have grown 30% per year even with the onset of the Great Recession. The company is currently profitable but is looking to grow its sales and installation team more quickly to take advantage of the turmoil the recession has caused the competition. That is the reason for coming to Prosper. We are looking for a loan to help us hire more employees and increase marketing in under served areas.

My financial situation:
The company is currently profitable and with existing sales we can easily afford the monthly loan payment.

Pay off credit cards used in school

I?m a recent college graduate trying to consolidate my debt accumulated through college. I was very fortunate in being able to find a job in this economy, and while I manage to make ends meet for my monthly living expenses, high interest rates prohibit me from putting any significant dents into my debt. Because of my family?s financial limitations, I received excellent financial aid from my university to help with the costs of tuition. Living expenses in my college years, however, were placed on high-interest credit cards and student loans as I juggled the responsibilities of being a full-time student and holding part-time jobs. Today I manage to meet all of my monthly payment requirements on time, but at this rate it would take me years to pay it all off. Student loan repayment just kicked in as well so its even harder to pay down my credit cards. I know Prosper can help me pay off my debt sooner than I could hope to on my own.
I am a good candidate for this loan because I'm driven and motivated to be in good financial standing. I want to have a better start to life, especially since I am the first person in my family to graduate from college.

Monthly net income: $1600

Monthly expenses: $1380
Including:
??Housing: $620
??Insurance: $90
??Car expenses: $200
??Utilities: $35
??Phone, cable, internet: $35
??Food, entertainment: $200
??Clothing, household expenses $40
??Credit cards and other loans: $300
??Other expenses: $80