Reduce Credit Card Interest Rate

Purpose of loan:
This loan will be used to?payoff a Chase Credit Card with an interest rate of 29% My financial situation:
I am a good candidate for this loan because?I?have a very stable job, pay all of my bills on time?and make a great income.? This would be my 2nd prosper loan.? I paid off the first one early.? (About a year and a half and never missed a payment)

The past due payments were from a divorce in which I was forced into bankruptcy 5 years ago.? I haven't ever missed a payment since.

My debt to income is deceiving because I have 3 auto loans showing on my credit report.? 2 of them are for family members that couldn't qualify for an auto loan on their own.? They've been making the monthly payments very consistently which total $912 a month.

Monthly net income: $5200.00 Monthly expenses: $ 4227.00
??Housing: $ 1585
??Insurance: $ 100????
??Car expenses: $ 352
??Utilities: $ 200
??Phone, cable, internet: $?90
??Food, entertainment: $?400
??Clothing, household expenses $ 300
??Credit cards and other loans: $?300
??Other expenses: $ 900

pay fees for obtaining 501c3 status

Purpose of loan:

I am the Founder and Pastor of Divine Grace Fellowship Church which is now in its 2nd year and growing stronger every day. This loan will be used to pay the necessary fees to obtain 501(c)3 status and other legal fees for my church and outreach ministry. ?I have recently started an outreach program geared to reach at-risk youth and youth of low income families by offering mentoring, tutoring?and before and after school care.? I would like to?incorporate a non-profit and obtain?501(c)3 status.? This loan would allow me to pay the necessary fees associated with the application for non-profit status. My only debts are my car note and insurance and prosper loan, so repayment of this debt will not be a problem for me. My financial situation is stable; my church pays me a base salary of $1500.00 per month, plud they pay my housing expenses and utilities.

I am a good candidate for this loan because my previous loan with Prosper has been paid on time as promised and my income to debt ratio is very low. Monthly Income:??$1500.00 - *plus housing allowance and utulities paid by Church = ($1,500.00) Monthly Expenses: *Rent?1200.00/mo *Utilities:??$200.00/mo, Car Note:??$200.00/mo, Car Insurance:??$90.00/mo. Total expenses paid out by me each month is approximately $500.00.

Starting out in a new city!

Purpose of loan:
I am applying for my second Prosper loan (I just paid one in full last month, without ever defaulting).? I am a hairstylist and I have just moved to a new city (Portland, OR).? As a result, I have to start over building my clientele from scratch.? I left behind a sizable clientele in Florida and am confident that I will build fairly quickly.? I am applying for this loan to get me through these first couple of months as I build.

Monthly net income: $1400-$1600/month.? I currently make about $350-$450 per week including tips; income is variable because I am payed on commission and through tipping.

Monthly expenses:
? Housing: $405 (includes some utilities)
? Utilities: $60 (split with partner = $30)
? Phone, cable, internet: phone $80 (split with partner =$40) ? cable/internet $60 (split with partner =$30)
? Student loan payment: $60
? Credit card payments (total): about $300
? Groceries: $120 (split with partner = $60)

As I said before, I kept up with my previous Prosper payments for all three years and have recently paid it off.? I am confident in my ability to make the monthly payments for this loan.

Thanks to everyone for your consideration!

Clawing my way out of debt

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

My financial situation:
I am attempting to consolidate my high interest credit card debt into a lower interest loan.? I'm sick of paying Visa and Mastercard the absurd interest rates they charge!

Pay off high interest credit card

Purpose of loan:
This loan will be used to pay off a high interest credit card.? I used the first time home buyer's credit to pay off the majority of it but have $1,500 left on it.?

My financial situation:
I am a good candidate for this loan because I have finished my college education with a B.S. and an M.S. Both are in information technology and I have secured a good job with a company in a very secure market. I have no dependents and the cost of living in my area is quite low so I am now only using credit cards for very large purchases or business expenses which are then reimbursed.

Monthly net income: $2600 + $300 for reserve military pay

Monthly expenses: $1675
??Housing: $680
??Insurance: $55
??Car expenses: $300
??Utilities: $150
??Phone, cable, internet: $90
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $400, most in low interest credit cards I'm paying off

Pay off credit cards

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

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

Monthly net income: $ 5200

Monthly expenses: $
??Housing: $ 1000
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 25
??Food, entertainment: $100
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $

Third Loan on Prosper

ABOUT ME: I am 24 years old. I have been with my current employer for four years. I am one semester away from getting my AS in Computer Information Systems at the college I work for.

EXPLANATION OF BAD CREDIT: I have always been responsible with my finances, but?5 years ago my credit score slipped to E after I was in Hurricane Rita in Texas and I had to use all of my money to move to New Mexico and start another life. Things have improved since I got my job at the college and my salary has come to a good steady figure. I'm asking for a chance to prove myself again and get my credit score back up to where it should be. My two previous Propser loans were paid in full with no late payments. If you bid on my listing I promise that I will not let you down. Making my payments on time will remain my very TOP priority each month, I sincerely promise you that and as you can see from my financial details, I have the money to do it. This loan will be used to pay off my last piece of debt!

WHAT I WILL DO WITH THE MONEY LOANED TO ME: $7000 will be used to pay off?my truck loan.

HERE ARE MY MONTHLY FINANCIAL DETAILS: Net income after payroll deductions from all sources: $ 1800
Mortgage/Rent:$ 200
Phone:$ 150
Gas: $ 50
Car Loan: $ 400 - This will become 0 after I pay off the loan with the $7000
Food: $ 100
Car Insurance: $ 100
Cable/Internet: $ 50
Clothing, and misc.: $ 50
Credit cards and loans that won't be paid off with my Prosper loan: $ 0
-----------------------
Total Monthly Expenses : $ 1100 I will have $700 left to make the payments on my Prosper loans.

CLOSING REMARKS TO LENDERS: As you can see, I am in a place where with just a bit of help I could finally get a debt free life and?can continue?helping educate others about the high interest loans that get people in serious debt by referring them to Prosper!

Paying of credit cards

Purpose of loan:
This loan will be used to? Pay off debt

My financial situation:National City
I am a good candidate for this loan because? I will pay it back

Monthly net income: $ 2900
Monthly expenses: $
??Housing: $ 953.00.
??Insurance: $ 144
??Car expenses: $?490??Utilities: $ 80
??Phone, cable, internet: $ 60
??Food, entertainment: $ 100
??Clothing, household expenses $?150??Credit cards and other loans: $250?
??Other expenses: $ 0.00

Loan for Bathroom Remodel

Purpose of loan:
This loan will be used to remodel a bathroom in our home. The house was built in 1949 and five years ago the kitchen was updated. The bathroom is the last remaining room in the house that needs to be updated. It is a small bathroom and we decided to take two rooms and combine them into one large bathroom which makes it a costly project. This loan will help ease the burden of paying for the whole project with cash.

My financial situation:
I am a good candidate for this loan because I have excellent?credit and very little outstanding debt. My credit report also proves that I am diligent about making all payments on time and I have never defaulted on any loan.

Rehab Run Down Apt for Family

Purpose of loan:
This loan will be used to rehabilitate the second floor apartment of my multifamily (2 unit) building. I had been planning on doing this remodel slowly utilizing the family?s savings and sweat equity. Due to?a new baby, my significant other and I are fixing up the 2nd floor apartment to make a home for us. My financial situation:
I am a good candidate for this loan because I already have secured funding from various sources (savings & taxes) which total $21,250 to complete this rehab project. Also, my partner and I will do a lot of the work ourselves in order to keep costs down. Also, once this apartment is finished I can collect rent from the first floor unit that I currently live in. Monthly net income: Myself $4,893 ? My Partner $ 2,528 ? My Mother $ 2,168

Buying a new engine for my car

Purpose of loan:
My engine in my 2005 ford mustang recently blew up and i need to put a new one in it a.s.a.p to get back and forth to work.

My financial situation:
I will pay month to month payments and i will pay every payment on time.

Monthly net income: $ 2,000-2,500

Monthly expenses: $
??Housing: $ 0.00 Live with parents
??Insurance: $ 0.00 parents pay for it????
??Car expenses: $ 200.00 in gas
??Utilities: $ 0.00
??Phone, cable, internet: $ 0.00 parents pay for it
??Food, entertainment: $ 250.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $?350.00 car loan
??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: $

expanding new business

Background:
Seeking loan to grow my new business "GOLDEN TAX LLC", started December, 2009, which is comprised of tax preparation, and Vigo, Sigue and Intercambio Express Money Remittance to Mexico and Central America, along with the sale of Page Plus and Boost Cell Phones.? In addition, as a Notary Public I assist with the preparation and translations of various documents i.e.,applications for apartments, jobs, schools, etc.? The business serves a mainly hispanic population.? This year, my closest competitor has completed approximately 3000+ returns at an average cost of $250 for each return.? My intention is to be a strong competitor with the goal of achieving at least 500 returns for tax year 2010. ? For the current tax season GOLDEN TAX LLC has completed 169 returns.? The business will be open throughout the year, and during the off season will concentrate on the sale of cell phones, phone cards and money transfers.? I rent a store in a? location which is heavily populated with Hispanics and only have competition from one other business.??

Purpose of Loan:
This loan will help me out in the purchase of the cell phones, hiring a part time employee and especially for marketing in the Hispanic Weekly Publication which is widely distributed among Hispanics in Southwest Ohio.

Trading Capital 7.5K to 3 million

Purpose of loan:
This loan will be used to?Trade the market I have found a service with verified results that produced over 2500% last year, Had I been able to compound the results?it?would be over?$ 3million in one year.?this year they are up over 800% already. High risk big reward.?

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: $

Debt consolidation

I am trying to consolidate Credit cards and a small loan that I have. I would like to get a lower monthly payment even though I know through the term of the loan I will actually pay more. My Ex-wife has and still is damaging my credit since the house we bought when we were married still has my name on it and she acnnot make a payment on time. I have tried to get my name off the loan but cannot. I have since purchased a house at a very high interest rate because of this. So i would like to try and reduce my monthly bills to accomodate for this. I am always on time with my Credit cards and house payment and auto loan and would just like the oppurtunity to have a little more IN-Pocket money. I did have to walk away from my house and have a foreclosure on my credit and other medical bills but i can promise as my past 3 year history shows i will pay this loan on-time and every month without fail. even with all i have gone through i have never failed to pay this loan.

Debt Consolidation Loan

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

My financial situation:
I am a good candidate for this loan because I have a job in the technology industry at a staple internet company.

Monthly net income: $ 4,800.00

Monthly expenses: $ 3000.00

pay off a high interest loan

Purpose of loan: To pay down high interest credit cards and pay off one high interest loans. Also to fix small items in my house.
(explain what you will be using this loan for)

My financial situation: I need to get rid of a few credit cards and keep some money on hand when emergency arises. ????
(explain why you are a good candidate for paying back this loan)

Monthly net income: $ 3250.33

Monthly expenses: $ 2065.
??Housing: $ 1012 ????
??Insurance: $ 108 (car insurance )? ?
??Car expenses:? $ 100 (gas, my car is paid off)
??Utilities: $ 75.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 200.
??Clothing, household expenses $ 100
??Credit cards and other loans: $?350
??Other expenses: $0

Helping A Friend

Purpose of loan:
This loan will be used to help a friend in a personal emergency.

My financial situation:
I am a good candidate for this loan because I have always paid my?bills on time. I also have no monthly living expenses. I currently reside at home.

Monthly net income: $ 2,500

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

Relist for 2nd loan-Still trying

Purpose of loan:
This loan will be used to? help pay my cc debt. I lowered the amount and will make due with less.

My financial situation:
I am a good candidate for this loan because?This is repeat of a previous listing.? Please help me. I have always tried to pay my immediate obligations and by paying down my cc debt my financial and dti will be better and I will have more to pay off any additional debt. I am current on my present Prosper loan and have had no late payments and have never missed one either.Thanks for your consideration. The delinquencies have been resolved.? I would like to thank previous bidders.


Monthly net income: $ 3892

Monthly expenses: $ 3675
??Housing: $ 1700
??Insurance: $ 150
??Car expenses: $ 50
??Utilities: $ 300
??Phone, cable, internet: $ 25
??Food, entertainment: $ 300
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1150
??Other expenses: $ 0

Used car and pay-off credit cards

Purpose of loan:
This loan will be used to buy a used car for myself and pay-off $2500 in credit card debt.?

My financial situation:
I am a good candidate for this loan because, I have no outstanding loans and very little debt.

Monthly net income: $ 4000.00

Monthly expenses: $ 2230.00
??Housing: $ 950.00
??Insurance: $ 90.00
??Car expenses: $ 120.00
??Utilities: $ 70.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 200.00
??Credit cards and other loans: $ 100.00
??Other expenses: $ 200.00

Paying off credit cards

Purpose of loan:
I will be using this loan to pay off part of the balance on a credit card that has a high interest rate.

My financial situation:
I am a good candidate for this loan because I have always paid all of my bills. I am never late with payments. Good credit is important to me, and I am working to pay down all my debts. I am not taking out anymore debt except for when I am able to obtain a lower interest rate and transfer higher rate balances.

Monthly net income: $ 4,000

Monthly expenses: $
??Housing: $ 650.00
??Insurance: $ 50.00
??Car expenses: $ 0.00
??Utilities: $?235.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $?400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $?900.00
??Other expenses: $ 200.00

paying off my last credit card

Purpose of loan:
This loan will be used to? pay off my last credit card at a lower rate.

My financial situation:
I am a good candidate for this loan because? i have never been late on a payment and i have excellent credit. I'm trying out prosper as an alternative to the big banks and credit unions. i am a home owner and have stable employment.

Monthly net income: $?3,900

Monthly expenses: $
??Housing: $ 1,600
??Insurance: $ 86
??Car expenses: $ 140
??Utilities: $ 140
??Phone, cable, internet: $ 80
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $ 100

iSi Business loan

Purpose of loan:
This loan will be used to pay off existing high interest loans?

My financial situation:
I am a good candidate for this loan because my business is busy and prosperous.? We have a $550,000.00 backlog of signage contracts for signs in buildings now under construction.? I will discuss financial information, if needed.

Business growth for services

Adhereinc.com, ADHERE, is a company that has been in business 8 years doing information security products and services. In the past 6 months our services consulting has been less than expected. We have NEW contracts, but in order to reduce operating costs, we would like to move our offices and obtain some remote/virtual services. To make the move costs some "start-up" type costs, but the return should be quick.


[LAST NAME DELETED]
CEO and Founder
Adhere, Inc.
www.adhereinc.com

(formerly SeyMoor Technologies, Inc. and available on D&B)

[PHONE DELETED]
88V-ital-s40

car

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: $

Laptop for Nephew

Purpose of loan:
This loan will be used to purchase a laptop for my nephew who is going to college. He he will be majoring in graphic design and he would like to get a MacBook Pro.

My financial situation:
I am a good candidate for this loan because I am employed full-time in a stable, growing company. I have been employed by the same company for over 3 years (since Oct. 2006). My income is very stable and so are my expenses.

Monthly net income: $5316.16

Monthly expenses: $ 4025.00
??Housing: $500.00
??Insurance: $0.00
??Car expenses: $350.00 (includes insurance)
??Utilities: 125.00
??Phone, cable, internet: $200.00
??Food, entertainment: $350.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $353.65 (auto loan) + $150.00 (additional payment on principal for auto loan)
??Other expenses: $1750.00 ($1000 per month to SIMPLE IRA + $400.00 per month to Roth IRA + miscellaneous expenses and purchases)

Getting Married

Purpose of loan:
This loan will be used to pay off the remainder of our wedding bills, which come out to just under $15000. We'll be getting married in June.

My financial situation:
I am a good candidate for this loan because, as evidenced by my credit report, I've never paid late on any of my credit cards or loans. I have a stable job of almost three years, of which I've just received an 8% promotion (which will equate to $6000 more in base salary in my day job). I also have a second job which I make a minimum of $15000 per year. Besides all this, I will be able to use my future wife's salary (which is $45,000) per year. We're looking for this to be our last big expense, and then we're going to make it our mission to pay down all of our debts. We're also renting my father-in-laws house, in which we only pay $750 per month in rent.

Monthly net income: $ 5000

Monthly expenses: $ 3190
??Housing: $ 750
??Insurance: $ 200
??Car expenses: $ 700
??Utilities: $ 300
??Phone, cable, internet: $ 140
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 300

Thank you for trusting me!

Purpose of loan:
This loan will be used to pay off my current PROSPER loan-1662.00. The remaining balance will be used to pay off current credit cards and be debt free.? In Decemember 2009, I owed 8,000 in credit cards; however, I have paid extra and now only owe 4800.00.? If approved, the remaining money and a little from savings will put me debt free.

My financial situation:
I am a good candidate for this loan because I finally have control of my budget.? Since 2005, I have been paying off over $25,000 in attorney fees due to seperation/custody/support hearings.? Bad thing is my credit suffered.? Good thing is that?I still have my lovely children in my life 50/50 and that she can't take away form me now! :-)? I work for the Federal Government and have a very respectful Security Clearance.? I am a great father and involved in my community. I coach Tball and ice hockey for my kids teams.? I also volunteer at their school and our church once a week.? I hope you will take a chance and allow me to continue improve my credit?so I can one day help others financially.

Monthly net income: $
90,500 salary?/ 12 months = 7541 gross 4725 net
Monthly expenses: $
??Housing: $?1000??Insurance: $ Car Insurance 185.00- Health Insurance comes out of check before net.
??Car expenses: $ 665
??Utilities: $ 150
??Phone, cable, internet: $ 190
??Food, entertainment: $ 700
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 400
??Other expenses/Child Care YMCA: $ 400
? Prosper: $117
Monthly Expense: $3822.00

There are some delinquent's showing on my credit report, in which,?I am dcurrrently disputing as?have made?payments through?collections, however, I have not received credit on my credit report.

Paying Off Current Debt and Loan

Purpose of loan:
This loan will be used to pay off my current?loan and?credit cards !
My financial situation:
I am a good candidate for this loan because I have a steady job with the?American?Licorice?Company?and I am? making steady monthly payments on my?Credit Cards and Prosper Loan .??I have NEVER missed a payment and with?this loan I can consolidate my current loan?and credit cards to have 1 monthly payment .?I simply?want to transfer the monthly payments to Prosper so I can Get a better interest rate.?Thank you to everyone in the Prosper community for making this a possibility! :-)

Monthly net income: $2,000

Monthly expenses: $?1000
Housing: $ 0.00 (I live with my parents - thanks Mom & Dad!)
??Insurance: $?80
??Car expenses: $?150
??Utilities: $ 0.00 (Thanks again Mom?& Dad!)
??Phone, cable, internet: $ 45
??Food, entertainment: $ 250
??Clothing, household expenses $ 150
??Credit cards and other loans: $?250?
??Other expenses: $ 75 (average amount I spend monthly on gas)

As you can see, even after all these expenses, I still have plenty of monthly income to pay off the loan.? Thank you so much for helping me out! :-)

Getting Out of Debt

Prosper has helped me get out of debt.? However, we still have some high interest credit cards.? I would like to pay my American Express card in full and not use it any more.? The only time I use it now is when we travel and have to rent a car.? Paying it off will be our final major step in getting out of debt.?

FYI, I very much appreciate the two loans (one paid off/one current) that I got through Prosper...it was indeed a blessing!

Paying off my credit cards

Purpose of loan:
Reason for this loan is to pay off all of My credit cards. I got behind paying low payment because I was going to school and paying my expense at the same time I?am supporting my family?of 2. My goal is to consolidate my debt so that I can pay it quickly. I like to buy a house and things for the family and this debt is shackling my financial freedom. If I can get this loan life will be better and I will be smarter next time with my money.

My financial situation:
I am a good candidate for this loan because I learn to take responsibly and I also learn from my mistakes. Three years ago I was going to school full time and working full time trying to survive?but now I finished my school and I have good job. So paying this loan it won?t be a problem....

Putting in a new Kitchen

Purpose of loan:
This loan will be used to? Finish the renovations of my Kitchen and painting of my house so i can get my house ready to be put on the market to be sold. My
House was appraised at? $560,000.00 two years ago so when i sell my I will pay off my debts.

My financial situation:
I am a good candidate for this loan because?I have very good credit I always pay my bills on time and i never miss a payment.

Payroll Security

Purpose of loan:
This loan will be used to to cover our payroll for Guardian Angel Caregivers.? We opened our doors in June of 2008 and we are growing.

My financial situation:
I am a good candidate for this loan because we have always paid our debts.? When we started our business in 2008, we knew it would be difficult to obtain a business loan but we believed we could succed

Replace roof and insulation

Purpose of loan:
This loan will be used to replace the roof and insulate the family room of our house

My financial situation:
I am a good candidate for this loan because my income has increased but I have no new debt. All household bills including the mortgage are in my wifes name.
I write her two checks a month totaling $1400 I pay my credit card bills and my truck payment. This leaves me around $1000 a month.

Monthly net income: $ 3366.00

Monthly expenses: $?
??Housing: $ 1400
??Insurance: $
??Car expenses: $?419
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $ 200

REBUILDING MY LIFE AND CREDIT

Purpose of loan: I am continuing to pull myself out of debt after my divorce and am just needing an extra boost to help my daughter with college and to payoff two remaining debts. I realize I am a HR due to my divorce and the financial situation we were in. I have had two previous loans however and BOTH were paid in full well prior to there ended dates. I am really trying to get myself back on track and would appreciate your help!

My financial situation: My yearly income is in excess of 130000 but after my divorce and an income split I am just now getting myself back on track. I have paid several of my bills off and am continuing towards that goal but I had a college expense come up that wasn't planned for and just need an extra boost!
Monthly net income: $ 11000

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 150
??Car expenses: $400??Utilities: $ 125
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 250
??Other expenses: $

renovated a new basement.

Purpose of loan:
This loan will be used to?For Home improvement.

My financial situation:
I am a good candidate for this loan because? I have managed my credit very well in the past and?I have never been late with any payments that I needed to pay. Credibility to me?is?a very?important thing,?as I believe its the fundamental of?the life concept.

Reclaiming My Life

Purpose of loan:
This loan is to consolidate my credit cards and reclaim my income, thereby reclaiming my life.

My financial situation:
I am a hard worker and all-around dependable person with a good income and a stable job with a great company.? Unfortunately, due to a few of late payments, my credit card interest rate began to go up making it nearly impossible to pay on the principal and has created a vicious cycle preventing me from making any headway.? This loan will allow me to pay these cards off quickly and put the money toward far better uses: saving for the future and travel!

Monthly net income: Approx $2,000

Monthly expenses: $
??Housing: $ 300.00
??Insurance: $ 120.00
??Car expenses: $ 235.00
??Utilities: $ 0
??Phone, cable, internet: $ 70.00
??Food, entertainment: $ 175.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 561.00
? Everything else goes in to savings!

Paying off credit cards

Purpose of loan:
This loan will be used to? pay off credit cards and Dr. bill

My financial situation:
I am a good candidate for this loan because? I'm very responsible, pay my bills and have a goal to reach at least a 700 credit score, it's now 627, I have a ways to go but I'm determined. I do have a backruptcy on my credit report from several years ago, due to a divorce. My ex had agreed in court to pay the I.R.S. a debt we owed, when I filed my return the following year he had not paid the amount owed in full, so they took my return and I had to start making monthly payments to them. I got behind on my car payments and I couldn't get my ex to pay me back what I had to pay the I.R.S. Even though I had walked away from the marriage without a thing after 25 years. I didn't want anything I just wanted out. The IRS didn't care about the agreement made in court, we both signed the return and they were going to take the money from whoever had it. I started working two jobs to get caught up but it was just too far out of reach. I gave the car back to the lender and they sold it at an auction for less than I owed, I couldn't afford to have my wages attached, so I filed bankruptcy. It's been unfortunate, but I couldn't help it. I haven't been behind since.

Monthly net income: $ 3000.00
Monthly expenses: $
??Housing: $?700??Insurance: $?120??
Car expenses: $?468
??Utilities: $ 75.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 260.00
??Clothing, household expenses $?200.00
??Credit cards and other loans: $ 215.00
??Other expenses: $

Buying Electric Vehicle

Purpose of loan:
purchase?electric SUV for use as demonstration unit and promotional marketing use by my company.?Green Global Communities, Inc.?an S Corp?Hawaii several DBAs?HiWindPower, HiEV, Hawaii Architectural, Ultrasonic Solar and more.?EV SUV?direct from the factory.?MSRP?$38,000?once we start to order them in batches of more than 5 we can buy them for $30,000.?First car?sample cost $35,000.?Full speed vehicles, 80 mph?120 mile range.??Potential?investment?but?now?funding for one vehicle.?Willing to help us out and finance?EV SUV?can give title?as collateral, and the car is worth retail more than we are paying for it whole sale. Loan us the full $35,000 and we will make payments for a fast return on investment for you.?Have money?down if?need. Thanks for your consideration, and please review our websites!www.HIEV.USwww.HiWindPower.comwww.HawaiiArchitectural.com

Prosper Re-Invest

Purpose of loan:
I will use this loan to re-invest in other people's loans on Prosper.

My financial situation:
I have no debt, typically save about 30-50% of my income a month, and make over $50,000 a year, so I will have no trouble paying this loan back.

Paying off high interest cred cards

I'm a?41 year old single man with no children.? I have been working at a multi-specialty doctor's office?for?23 years.? I have been the billing supervisor for 13 of those years.

I am looking forward to paying off some of my high interest credit cards.? Due to a delinquency?from?3?years ago on a student loan that I co-signed with my best friend, some of the credit card companies have increased the rates on my accounts to above 30%.? This account has been paid off in December 2007.? (Sallie Mae refuses to remove the delinquencies even though the account is paid in full and it is a joint account. I was?unaware?that no?payments were being made on the Sallie Mae account until it reached the 60-90 day delinquent stage.)? I did call and write to Sallie Mae and they stood by the fact that no payments were made, even though I was the co-signer on the account and I had paid off the account.? Therefore, my credit report remains the same.? Fortunately, 3 years have passed and that is the only "negative information" listed.

My DTI (debt to income) ratio is high due to the fact that I used to have a higher income at my company?7 years ago by adding bonuses to my income.? After 2003, the company stopped paying bonuses to supervisors, thus I have my base pay to work with.

My annual income is in the $41,000 to $49,000 range.
Rent $725
Car Pmt $439
Car Ins $105
Gas $50
Utilities $120
Food $200
Cable $36
Credit Cards $500
Misc Exp $100

I will use?the $6,250?to pay off the remaining high interest credit cards, taxes, and car registration.

I would rather pay off a loan than to be stuck in a cycle of only paying finance charges to credit card companies each month.? After this loan is paid off, I will be able to pay down and pay off my other credit cards, so I can begin the positive cycle of having extra money each month and not just living paycheck to paycheck.? Then I will be able to help other people when they are in a financial bind.

The delinquency with the student loan is due to my friend and his wife both losing their jobs during the year.? Now they are both employed and working again to repay me, but I cannot count on repayment due to their fixed income.

My last funded loan has helped me alot.? My credit score is improving slowly.? I am thankful for this program that has made my life easier.?

I am glad?I joined?Prosper because I am honest and have the integrity to pay my bills.

Thank you in advance for your consideration.