Loan to pay off high rate car loan

Purpose of loan:
This loan will be used to pay off my car.? The monthly payments are from this loan would be lower than my current car note.? I only have a little over a year left on the car loan, but with my income being cut in half, the car note is more of a financial burden than the Prosper loan would be.

My financial situation:
I am a good candidate for this loan because although I had been unemployed for 6.5 months in 2009, I've managed to stay on top off my financial obligations.??? In addition, I paid off my previous Prosper loan within the first year.? My income was cut in half taking the job I have now. But it was the 1st job?offer?after my lay off.?

Monthly net income: $ 3,500

Monthly expenses: $
??Housing: $ 1000
??Insurance: $?100
??Car expenses: $540
??Utilities: $?75????????????????????
??Phone, cable, internet: $ 120?
??Food, entertainment: $ 120
??Clothing, household expenses $100
??Credit cards and other loans: $?250
??Other expenses: $

My personal loan

Purpose of loan:
I have been looking at the option of lasik eye surgery for some time now. I have known about prosper for over a year and obviously for most of that time the site was non functional due to the remake of the site. The main reason i have come to this site is due to the fact that i have very little credit history. My vision really affects my health and lifestyle, i often get dizzy and find myself being very faint due to the brightness and strain on my eyes, i currently have glasses and the lenses are now no longer strong enough. I would rather have the problem fixed permenantly than buy a stronger pair of prescription glasses and it makes economical sense to do so.

My financial situation:
Having finally got my greencard to live here 18 months ago, my history is similar to that of an 18 year olds. I have good credit and i have been working on that since i gained full time status in this country. I have three credit cards which i started as secured cards, where i had to pay a deposit to get the card. I am very financially responsible and very organised with my budget. Since living here permenantly my credit score has gone from 545 to?730 in 18mths, its just that minimal history that hurts me and the time that i have been here to establish it.


Monthly net income: $ 4000


Monthly expenses: $
??Housing: $ 500
??Insurance: $ 68
??Car expenses: $ 0 i own my car
??Utilities: $ 70
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $0 very rarely do i buy new clothing or splurge money on anything, i am to maticulous with my budgeting to waste money
??Credit cards and other loans: $ 100
??Other expenses: $ no other expenses, minimal expense

Assistance with home improvement

Hi everyone! I am a?married male in my 30's?with a beautiful wife, 2 wonderful kids, a golden retriever and a chubby Chihuahua. I'd like to thank everyone for their support of the prior Prosper loan three years ago which has been paid off in full in helping out with the down payment for the home. We are currently looking to perform some home improvements by giving the kids some more space to play by finishing our basement.

Below, is a description of our finances which shows that we are in very strong financial shape and I have no lates with income backed up not only by a second job teaching but also my wife:

Income-- (Pre-tax)
Full time Job- $100,000 per year (all base salary), investment director for a large consulting firm. I also get a bonus of approximately 10% per year but I have not included it in the income level (the bonus comes in March)
Secondary Jobs- $20,000+ per year (variable), teach part time online at a couple of major universities. This is a conservative figure and will likely be between $30,000-$40,000
Wife- My wife also has additional income of about $60,000 year which again is not reflected in the Prosper income level.

Expenses-- (monthly)
Car payments (for both wife and myself)-- $300
Car insurance (both of us through USAA)-- $100
Internet/Cable/Phone (cell)-- $200
Gas/Electric-- $300
Credit Cards-- $400
Misc. (food, health insurance, groceries,etc.)-- $600 (health insurance is pre-tax)
Current house payment--?$2500

Thanks for your consideration and please feel free to ask any questions that you may have.

All the best,?

Dan

consolidation loan

Purpose of loan:
This loan will be used to? pay off some credit cards, $150 a month,?and a loan, $250 a month, ?that will result in monthly savings of over $400. I am trying this route because I prefer to have one easy payment rather than several.?

My financial situation:
I am a good candidate for this loan because? I have history of always makng my payments to pay off my debt.? I want to be out of debt so I can afford to go back to school.? I have been helping support my best friend's 4 kids.? That is where most of my money goes.? As a result I have some debt.? I am looking to save on monthly payments and interest if possible.? This will help improve my credit score.? Seems like a good thing to do.

Monthly net income: $
I have 2 jobs.? I earn between $40,000-$50,000 a year. My income each month totals $3000

Monthly expenses: $
??Housing: $ 550????????
??Insurance: $ 175
??Car expenses: $ 130
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $?300
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1000
??Other expenses: $ 500

My loan for debt consolidation

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 am a responsible person and a very hard worker. Right now I pay a good $250-$300 to my credit card companies so I know I can pay off the loan much quicker. I rather put this money to use in peer to peer lending instead of making the banks bigger how about just us regular folks make our wallets a little bigger.
Monthly net income: $ 2725.36

Monthly expenses: $
??Housing: $ 300
??Insurance: $ 104
??Car expenses: $ 250
??Utilities: $ 50
??Phone, cable, internet: $ 75
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 500

Pay of Credit Card debts

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

My financial situation:
I am a good candidate for this loan because? I have a reliable source of income to pay off this debt loan in a timely fashion.

Monthly net income: $ 4108.00

Monthly expenses: $
??Housing: $ 417
??Insurance: $ 100
??Car expenses: $ 50
??Utilities: $ 50
??Phone, cable, internet: $ 0
??Food, entertainment: $ 75
??Clothing, household expenses $ 25
??Credit cards and other loans: $
??Other expenses: $

Reduce debt, Improve credit score

Purpose of loan:
This loan will be used to pay two credit cards:
CapitalOne $1700
Household Bank $2250

My goal is to transfer about 1/3 of my credit card debt to an installment loan from Prosper in order to lower my credit utilization and raise my FICO score. My current Prosper and FICO ratings are mainly a result of high credit utilization (80%). A little over a year ago, I had FICO scores in the 700's. But AmEx keeps lowering their credit limit, and Advanta Bank, my main business card, actually closed their doors. My utilization went up, my scores plummeted. I have never had a missed or late payment, I rarely use my credit cards except for medical emergencies and business trips, and my one public record is a tax lien that was paid fully in 2005 (2002 installment plan with the IRS - I have no idea how it became a "lien" but it was removed in 2005). I plan to pay this loan in under three years and like all my bills it will be put on automatic withdrawal from my checking account.

My financial situation:
I have run my own IT business since late 2001. I have about 70 clients, personal and corporate, in Los Angeles, New York and New Orleans. My average annual income is about $40K - $45K before taxes. It was higher when I lived in California, but took a hit when I moved to New Orleans two years ago. It is slowly improving as I gain more clients here and my CA clients get comfortable with remote assistance between visits. I live with my girlfriend, an attorney with the Louisiana Supreme Court, we share all our expenses, a dog, and a car. I love running my own business, but being self-employed sure makes buying property and getting health insurance difficult. Thus the obsession with lowering debt and improving my credit score and AGI. I love the idea of social lending (does that make us all socialists, or just smarter capitalists?), so I hope this works!

Monthly net income: $3500

Monthly expenses: $2885
??Housing: $800
??Insurance: $0
??Car expenses: $240
??Utilities: $125
??Phone, cable, internet: $150
??Food, entertainment: $700
??Clothing, household expenses $300
??Credit cards and other loans: $420
??Other expenses: $150 (misc stuff)

ipad business applications

Dear Investors,
Thank you for your time and consideration. I have 15 years of corporate experience in software and IT development with a successful track record. Built a solid professional reputation for innovation and creativity. A skilled engineer/project manager with a tremendous drive to succeed.

Purpose of loan:
This loan will be used to develop iPad business applications. The tablet application market is in its infancy and companies that are first to market will gain a huge advantage.

A stable financial situation:
I believe I am a good candidate for this loan because I readily have the means to repay the loan in full. I also believe and practice financial discipline, having learnt the hard way.
- I am gainfully employed in the financial industry. I have a stable job developing critical software standards that help strengthen the financial systems by increasing automation and reducing risks. The work I do is rewarding as it ultimately helps financial institutions fund corporations and small businesses.
- I have savings that currently amount to 85% amount of the requested loan. I continuously grow my savings and could possibly draw from these emergency funds to pay the loan.
- I could take a 401k loan from my retirement account to repay the loan
- My full-time job comfortably covers the rent, utilities, food, entertainment, contributions to savings and 401k, as well as the proposed monthly loan payment.
- My wife works in a daycare and provides extra income.

A rising credit score & a strong last 3 years...
- My credit score is fair and is the result of being (mass) laid off from the Telecom industry during the 2001-2002 recession. As a consequence, our house was foreclosed, the car repossessed, and smaller accounts became delinquent.
- I have been working hard over the past few years to rebuild my credit. My credit score has risen from 500 to 665 (as reported by Experian 5/03/10) over the past 3 years.
- I haven't had any delinquencies for the past 4 years. All my accounts opened over the past 4 years are in good standing. I am aiming for 700+, eventually, by earning the trust of lenders.

How will the money be used?
- As mentioned earlier, none of the loan would be used on basic necessities or operating expenses
- I have already invested over $10,000 in software licenses, computer hardware, company licenses. I am fully equipped and ready to go. I have spent hundreds of hours studying the market, developing several concepts and refining my business plan.
- To implement my projects I have in mind, I need 2 software developers. I can confidently state that 100% of the loan money would go towards the salary of these highly skilled specialists that can translate ideas into real life solutions into revenues.

Sincerely,

Needing Home Improvements

Purpose of loan:?
First of all Thank You to all whom funded my past listing which the funds were used for a new driveway and front porch it looks great still 3 years later.? Thank You.? I never missed a payment on my last loan.

Now once again I am looking to Prosper for help in continuing my home improvements.? I have been able to come up with $1,500 but still short $2,000 which is what I am asking for to complete some Projects.? Projects include:? Garage reroofed & sided, new gutters on house, insulation for home, new cement for path along garage, new doors for house.

My financial situation:

Last year my wife was unemployed which led to me taking out some credit cards to survive so I could keep paying things on time.? But we survived and my wife has been back to work and I still continue to pay everything on time with no deliquencies.

So I am looking to the prosper community to help me once again, since I have been a honest paying on time customer.

The picture I have up is one side of the garage where you can see some the issues to be fixed

My monthly budget:
Mortgage/rent: $713
Insurance: $195
Car expenses: $500
Utilities: $200
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses $100
Credit cards and other loan payments: $200
Other expenses: $
---------------------------------------
Total monthly expenses: $2,200
Total Monthly Income(Take Home): $2,500
Amount Left Over: $300

HELP MY MOTHER!!!

Purpose of loan:
This loan will be used to?
I would like to be able to help my mother with a few repairs around her house. Also, I am going back to school for computer technology and want to make sure that I have the funds to do so.
My financial situation:
I am a good candidate for this loan because? I had a previous loan with Prosper and was very diligent in paying it back. I also like the idea of friends helping friends. I want to be a lender someday soon myself.????????

Monthly net income: $?1850.00????Monthly expenses: $ 1370.00
??Housing: $ 200.00????
??Insurance: $34.00
??Car expenses: $?80.00(fuel,oil)
??Utilities: $
??Phone, cable, internet: $ 42.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $501.00???Other expenses: $ 523.00

Paying Taxes

Purpose of loan:
Build Credit score

This is my second loan, the first i paid off in only a few months and?I will do the same?with this one. My income listed?is only my base and?although I make almost twice this amount and have a wife that makes another $36K, I only spend the base salary and save the rest. Living like we have one income...live and learn right? This is a repost but the most frequent question I get is, "why the 42 delinquencies"...this is due to a past BK and home lose due to a chain of events ( car accident, recession, loss of business revenue from side business, unemployed spouse for over a year). Start new and fresh! As you can see, I did pay back my last prosper loan. I originally requested this loan to pay 2009 taxes but I recently sold some stock and borrowed off of margin to pay it down. Now this loan will be used for around the house purchases just to build my credit.

My financial situation:
We?are good candidates for this loan because?we have enough income to make this payment and still have enough of a cushion in case of emergencies. I work as a scientist sales consultant for one of the strongest companies in the State (Top in San Diego) in a very stable field and my wife is an Escrow Officer.

Monthly net income: $
$4500 base (4500/3000, Myself/Spouse)

Monthly expenses: $?
mortgage 1600
car payment 407
phone 100
cable 125
insurance?80
food 600
sdge 100
student loan 110
gasoline 250
daycare 1000
water/sewage?120
total obligations per month $4492

Makeover for A Place Called Home

Purpose of loan:
This loan will be used to? to do home improvements on a home that is being purchased through an owner finance contract. Need to pull carpet and replace with laminate wood, put up new fence entire back yard, and paint inside of home.

My financial situation:
I am a good candidate for this loan because?I just recently encountered issues with my credit.? Prior to July of 2009, my credit was good; however, I sought the assistance of a credit manangement company that consolidated bills, lowered interest, and payroll deducted payments.
Yet, payments were not made for up to 60 days and accounts were closed.? Hence, my score dwindled, and slowly I started paying my accounts again and dismissed them...but great damage had been done.? That is why I could not do a mortgage financing.

I am a high school principal and have been an educator for 26 years.? I have a steady job/income.

Monthly net income: $ 6200

Monthly expenses: $ 3850
??Housing: $?1000
??Insurance: $ 200
??Car expenses: $ 1100
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1000
??Other expenses: $

2nd Prosper Loan

Just need help with next step to being debt free. all short term revolving credit debt will be paid and one installment loan which will be all but 2 of the 9 credit lines. The only things left are student loan and new vehicle bought in 2008.

I am a good for this loan it will be my second with prosper only had one late payment and that was only by a day because of a changed bank account.

Since my first loan I have repaid the prosper community by loaning money in small amounts to fellow borrowers.

Just need some help making the next step to financial freedom.

Iron Asylum Needs YOU!

Purpose of loan:
Iron Asylum has been operating for over 10 years now. It started in one mans basement and has now grown to a full production studio here in south Florida. We now have more business than we can handle, and are looking for a small investment to help move forward with the company.

We are the premier designers of body building tshirts. Here is a link to the old site to take a look at our designs.

Our website www.ironasylum.com re-launches this month.

My financial situation:
Besides not having the funds to expand, we are doing very well. Never behind on bills etc. Have used my personal credit thus far to expand to our new building and set up shop.
Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $ 400
??Utilities: $ 75
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ 0

Auto Repair Loan

Purpose of loan:
This loan will be used to pay?for the repairs needed to my truck.
It needs a tune-up, shocks and tires. I need this truck to make money, please fund this loan.?

My financial situation:
I am a good candidate for this loan because I am not overloaded with other debts. There is a judgement on my credit report, I paid it March 19th and have the documentation to prove that the debt is paid in full and satisfied. I own my cars, have no?loans, no?credit card debt. I can afford to make the payments on this loan on time and?even pay off early.

My loan for an auto purchase

This borrower was not required to write a description based on the listing's likelihood to fund.

Refinance credit to lower % rate

Purpose of loan:
This loan will be used to refinance my credit card debt to a much more reasonable interest rate.? I simply want to lower the outrageous credit card interest rate I'm currently paying.?

My financial situation:
I am a good candidate for this loan because I have never missed a payment in my life.? I have stable and full time employment as a design engineer in the semiconductor industry. Please let me know if you have any questions, and I'd be more than happy to answer them!

Remodeling Kitchen - Counter tops

Purpose of loan:
This loan will be used to?
Purchase a Travel Trailer
My financial situation:
I am a good candidate for this loan because?
Been employed as a Engineer for the same company for 32+ years
Monthly net income: $ 6400

Monthly expenses:?
??Housing: $ 1600
??Insurance: $ 160
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $?150
??Other expenses: $

5th attempt to get funded...

Purpose of loan:
This loan will be used to pay off my medical bills, credit card debt, family needs and previous prosper loan.
My financial situation: I have never missed a prosper payment.
?I only have 13 more payments on previous prosper loan... I will pay that off the 1st day my next prosper loan is funded. I have a steady job with good chance for advancement.

Monthly net income: $1,400

Monthly expenses: $
??Housing: $0 Family's rental
??Insurance: $119.00
??Car expenses: $228
??Utilities: $ 50
??Phone, cable, internet: $145
??Food: $70 (family helps with food expenses)
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $ 100

backhoe to rent out by the hour

Purpose of loan:
This loan will be used to?
buy a backhoe to provide rent by the hour services to contractors
My financial situation:
I am a good candidate for this loan because? I have very little debt & have many contacts in construction to provide backhoe services for.

Monthly net income: $ 4750.00

Monthly expenses: $
??Housing: $ 1000.00
??Insurance: $ 200.
??Car expenses: $?200.00??Utilities: $ 150.
??Phone, cable, internet: $ 100.
??Food, entertainment: $ 600.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 200.
??Other expenses: $ 100

College Student Paying for Expenses

Purpose of loan:
This loan will be used to pay for personal expenses within the next few years of my college career.

My financial situation:
I am a good candidate for this loan because I am a responsible and smart?individual attending school to become a M.D.??

Monthly net income: $550

Monthly expenses: $
??Housing: $350
??Insurance: $
??Car expenses: $
??Utilities: $50
??Phone, cable, internet: $
??Food, entertainment: $200
??Clothing, household expenses $200
??Credit cards and other loans: $0
??Other expenses: $

My personal loan

This borrower was not required to write a description based on the listing's likelihood to fund.

Medical needs after stroke

Purpose of loan:
This loan will be used to?
help pay for my wifes medical needs. She has suffered several minor strokes. She needs rehab and lots of care.
My financial situation:
I am a good candidate for this loan because? I only have these loans to pay off. I will work hard to pay off all these loans.

Monthly net income: $
is 4,000.00 + dollars
Monthly expenses: $
??Housing: $ 1000.00
??Insurance: $ 62.00
??Car expenses: $ for gas 60.00 a month
??Utilities: $ 300.00
??Phone, cable, internet: $100
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 427.00
??Other expenses: $ perscriptins 200.00

PAYING OFF LIFE ROBBING CREDIT CARD

Purpose of loan: Debt Consolidation...I have been paying credit card companies above and beyond what is fair for years, I have seen the "light" and don't want to do this anymore...it is my fault I have so much debt..I know this and want to pay everything I owe..but not for these interest rates..I want to be debt "free" in 3 years..
having a goal will give me some piece of mind...I am a "cash only" person now..took me many years to figure this out..to change my ways , but I have done it! It feels good, but just need a lower interest rate.


My financial situation:
I am a good candidate for this loan because? I have? good paying job as well as my husband...too much of our money goes to "finance" charges...yes, we should get a Home Equity....but are trying to do this without putting our house on the line.
Monthly net income: $ My income monthly 4,400 (net), some times 200.00 more with overtime/ husbands is 4,800.00? Lots of bills including student loans for 2 kids (Parent Plus)...NEVER let your child apply to an expensive school...they might "get in" as our daughter did... .she is about to graduate...and we will pay (as well as our daughter) for the nest 25 years...graduate school next...hope it will be worth it! Just found out "graduate "school is giving no $$$? "they ran out"? My poor daughter..they have no TA positions either....she did not get in to the "state" school even though she has been on the Deans List for 4 years at one of the top 10 schools in the country....she is crushed...seems our state has no $$$$ anymore...does not pay to work hard, study hard..it does if you are an athlete though!? PRIORITIES??? Sorry, I am pretty upset right now....

Monthly expenses: $ Everything including bills 7,2002? Housing: $ 1635.41
??Insurance: $ 248.00?? 73.00
??Car expenses: $ 400.00? gas?? Old cars ...no payments
??Utilities: $ 400.00
??Phone, cable, internet: $ 175.00? need to get this lower
??Food, entertainment: $ 450.00? food only? no entertainment? we work all the time
??Clothing, household expenses $ 0?? I always included this in the "food" budget
??Credit cards and other loans: $ 3800?? this is ridiculous.... Other expenses: $ savings 300.00? Why ????? (emergencies)? Also am paying Parent Plus Loans at a rate of 512.00 per month..I am on a 10 year plan? I am going to consolidate these loans as the rate is 8% and I need to pay off CREDIT CARDS FIRST...
?? I am looking for a lower interest rate. This "prosper" site tells me to ask for 22% interest. WHY would I do that when my rates are around 21% on the credit cards.
?? I would just be transferring debt for a bigger rate. Please help! I feel as if I have paid lots of $$$ and am not getting ANYWHERE....Thank you for reading my issues, I hope someone can help.? ? ?

Paying off Credit Cards

Purpose of loan:
This loan will be used to pay off high interest debt between two accounts I am working on aggressively to pay off completely.

My financial situation: I am working on eliminating bad debts to focus on investments. I have a solid income through my employer.
I am a good candidate for this loan because I have a fantastic career with a great record spanning several years of success. I take pride in paying my bills, my debts and I take responsibility for my own actions.

Monthly net income: $90,000+

Monthly expenses: $4,650.00
Housing: $ 1300
Insurance: $ 300
Car expenses: $ 890
Utilities: $ 240
Phone, cable, internet: $ 300
Food, entertainment: $ 600
Clothing, household expenses $ 200
Credit cards and other loans: $ 818

Paying off my bills

Purpose of loan:
This loan will be used to?
Consolidate my bills, pay off my daughters school bill at a catholic school and to get me out of debt and the headaches.
My financial situation:
I am a good candidate for this loan because?
I am recently sperated from my ex, who I caught cheating on me.? She has done everything in her power to dis-credit me.? This has made me stronger as a person and I am working hard to provide a good life for my children. This loan would give me that freedom to enjoy my time with them.
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: $

Getting back on track.

Purpose of loan:
My reasons for looking for this loan are the same reasons many of us are trying to restructure our current debt. I am 54 years old and I have raised two wonderful daughters, both of which I helped put through?college . This was done without much financial aid or scholarship money.?I always seemed to make just a little too much to qualify for grants and aid. Both graduated college with their degrees and are now on their own.?Then came the weddings. They kept them?simple because that's what they wanted but even simple costs money. After the weddings then there were my parents, both dying from cancer and have both since passed away. Needless to say over my lifetime so far everytime I thought I could get ahead something always came up that demanded my financial attentions.??Now it?s the credit card companies jacking up rated and cutting limits even without being late just so they could turn a profit?and pay mega bonuses. Their outrages rates have cost me hundreds of extra dollars in interest monthly. I would like to set up a small emergency fund to help smooth out the bumps and pay off several smaller balances. This will enable me to start to snowball my other bigger balances until they are done.
My financial situation:
I have been at the same company for?32 years and have no plans on quitting anytime soon. I earn a good wage and enjoy my job very much. I have a long and clean credit history and have always paid what I owed on time and in full. I believe in repaying my debts no matter what and have never defaulted on anything.?I looked around for options and I kept coming back to Prosper. The way I see it?its better paying other good people who understand what the average person is going through than some huge company who could care less. I would like to someday become a lender if possible to try and play if forward if I can, but first I need to get straightened out. I hope you read this and have the same views as I do and can see your way to help me.? I promise you will not be sorry.

Home improvement

Purpose of loan:
This loan will be used to? make updates to my house.?
My financial situation:
I am a good candidate for this loan because?the only?debt I have besides my house is another personal loan which?is in good standing?

Monthly net income: $
$3000
Monthly expenses: $
??Housing: $?650
??Insurance: $ 0
??Car expenses:?0
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 287
??Other expenses: $ 0

Clean Water To Drink

Purpose of loan:
This loan will be used to? Hire a contractor? too dig my family a deep well for water.

My financial situation:
I am a good candidate for this loan because? I always pay my bills on time. I am retired but i still pay my bills. I am no stranger to the Prosper community, because this will be a third loan. My track record is spotless.I?feel that i am a great candiate for this loan also, and i a trustworthy person. I WOULD LIKE TO EXPLAIN WHY MY DTI LOOKS HIGH. I HAVE THREE RENTAL PROPERIES AND ALL OF WHY ARE ON MY AND MY HUSBANDS CREDIT REPORT. THE MORTGAGES ON THESE PROPERIES HAVE NEVER BEEN LATE. I CAN SO SHOW PAPER WORK IF NECESSARY.?

Monthly net income: $?

Monthly expenses: $
??Housing: $ My husband and I r responsible?for all household bills.
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $ 49.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $
??Credit cards and other loans: $ 60.00
??Other expenses: $ 100.00

Credit Cards - UGH!

Purpose of loan:
This loan will be used to pay off our 3 credit cards.??At the current rates we will be paying forever.? We would like to pay them off and know that in 3 years when this loan is paid the debt will be history.?

My financial situation:
I am a good candidate for this loan because I know what it is like to have financial difficulty and I want to avoid?financial problems like we have?had in the?past. My wife and I work full time jobs and are conscientious of making?sure our bills are paid on time.?Also, a friend of ours lent us some money at 0% interest to pay?off other bills, so if a friend thinks we are trustworthy, hopefully Prosper lenders will too!

Monthly net income: $2,150 me
???????????????????????????????? $2,465 my wife
???????????????????????????????? $55,000 annually?

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 328
??Car expenses: $ 592 (loans,?gas, oil changes, etc)
??Utilities: $?335
??Phone, cable, internet: $ 285
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 325 (some of this will be replaced by this loan)?
??Other expenses: $ 460? daycare

We are requesting an interest rate lower than Prosper's recommendation because we are confident we can make this loan work and we are hoping to?find a rate lower than the credit cards are currently charging.

Thank you for your consideration of our request.

engine repair

Purpose of loan:
This loan will be used to? repair engine on our freightliner we had to have a total in frame overhaul.The repairs cost us more than we expected and did not have enough money set aside.

My financial situation:
I am a good candidate for this loan because? We work steady..have had to file for bankruptcy due to bad Tax attorney? that got us in trouble with the goverment in taxes.. We were current on all our bills to the day we filed.. (We had no plan to.) We have never been delinquent on our bills and am not now..they were all written off. Have always been current on all my bills..Without money to cover engine repair I cannot work..This is the busy season need to get back to work as soon as possible..My credit report shows I don't own a home.? We do free and clear for 5 yrs now.. We owe no money on the truck or any of our other vehicles.

Monthly net income: $ 7500.00-10000.00

Monthly expenses: $
??Housing: $ 0 ?
??Insurance: $ 100.00
??Car expenses: $ 0
??Utilities: $ 150.00
??Phone, cable, internet: $ 185.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 0
??Other expenses: $ 1000.00 Back taxes

Paying off Credit Card

Purpose of loan:
This loan will be used to Pay off credit Card and set the debt to a three year term, the credit card is getting cancelled with the payoff from this loan so the debt will not reoccur.
The Card has a balance of $3800 with a interest rate of 29.99 percent a minimum payment of $125.00 But to pay it off the payment is?$215.00 a month.

My financial situation:
I am a good candidate for this loan because?I have never miss a payment on this card now while paying $215.00 a month on it and with this loan my monthly expenses go down?and I am in a three year term.

Need Help Catching Up

Purpose of loan:
My husband has recently been diagnosed with cancer.? We are on one income.? I need a little help catching up on house payments until his disability comes this summer.? Please help if you can.? I don't want to lose our house.

My financial situation:
Although my credit does not?look great,?and we have many debts, I?am responsible with bills and payments.? I am?just facing an unexpected?temporary difficult time.? Additional funds are on the way with his disability funding, but won't be available to us until after foreclosure proceedings would come into play.? I have done a loan with Propser before, and have always been on time with my payments.? The funds are directly withdrawn from my account, and I have never once defaulted on the payment.

Monthly net income: $ 3800

Monthly expenses: $ 3950
??Housing: $ 1400
??Insurance: $ 150
??Car expenses: $ 700
??Utilities: $ 300
??Phone, cable, internet: $ 300
??Food, entertainment: $ 200
??Clothing, household expenses $?200
??Credit cards and other loans: $ 400
??Other expenses: $ 300

Pay off Private Note

Purpose of loan:
This loan will be used to pay off private loans that were used for home improvements.

My financial situation:
I am a good candidate for this loan because I will make the repayments on time and can possibly pay off the loan early.

Monthly net income: $
8750
Monthly expenses: $
??Housing: $ 2250
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 2251
??Other expenses: $

My loan for home improvement

This borrower was not required to write a description based on the listing's likelihood to fund.

Private Note Pay-off

Purpose of loan:
This loan will be used to pay off a private note that was used for minor home repairs.

My financial situation:
I am a good candidate for this loan because I have steady income and will make my payments on time.

Monthly net income: $ 4000

Monthly expenses: $ 1400
??Housing: $ 1000
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

My personal loan

This borrower was not required to write a description based on the listing's likelihood to fund.

getting my house showroom ready

Purpose of loan:
This loan will be used to? prepare our house for sale.? Homes in our price range must be in top showroom shape to sell and we intend to do just that.? Just need a bit extra cash for upgraded carpet, paint, new landscape and other odds and ends.?


My financial situation:
I am a good candidate for this loan because my wife and I have immaculate credit scores and great cash flow from rental properties.? This income does not show up on a W-2 but you can feel confident in this loan.

solar panels

Purpose of loan:
This loan will be used to? finance my solar panels for the house, total investmnt of $27000 for instaling 5000kw unit.
This unite will be making 67% of my curent electric and will save total of 131 tons od co2 emissions which is the same as planting 27 acres of trees planted

My financial situation:
I am a good candidate for this loan becausse this will save money on electric and bring the house value up

Monthly net income: $ 3700

Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 70
??Car expenses: $ 226
??Utilities: $ 130
??Phone, cable, internet: $?99
??Food, entertainment: $ 550
??Clothing, household expenses $ 50
??Credit cards and other loans: $?200
??Other expenses: $ 20

Personal Loan

Purpose of loan:
This loan will be used for vacation.

My financial situation:
I am a good candidate for this loan because, I do not have a lot of debt. And payment will be prompt.

Monthly net income: $ 4300

Monthly expenses: $
??Housing: $ 825
??Insurance: $?75
??Car expenses: $ 100
??Utilities: $ 60
??Phone, cable, internet: $?60
??Food, entertainment: $ 400
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 900
??Other expenses: $ 100

Onsite Mobile Printing Trailer

Purpose of loan:
This loan will be used to purchase and build out a mobile studio for onsite printing. I have several new contracts with National and one with World status. In order to meet the demands of these new contracts, we will be offering onsite printing of both photographic prints and posters up to 24x36 in size. My company, VAST Productions, is also the official Apparel provider for the largest offroad race series on the west coast, selling custom apparel alongside the photos.? Please view our website at www.vastaction.com to get a better idea of my company and what we have to offer. VAST has become a brand name in the Mountain Bike race scene and with these new contracts, we will expand our brand offering custom photographic prints, posters and apparel into the Dirt Bike, ATV, and Jet Ski Markets which are much healthier markets.

My financial situation:
I am a good candidate for this loan because I have been running a successful action photography business for 6+ years now and just landed the next level of business contracts for exclusivity at several national and World events. In preparation for this new phase of business, I did what I thought prudent and paid down my operational lines and business credit cards to make room for these new round of expenses. (Note, this business has a retail component. Generally: events occur, photos & products are sold onsite, and money rolls in from said event for the next 3-6 months or more through the internet.)

As a "reward" for paying down my credit lines, Chase shut down my long established perfect payment history line of credit and AMEX reduced my business credit card more then half down to the new outstanding balance I paid it down to, thereby lowing my dti and trashing my credit scores below 700. I have always had 720 plus credit scores and like to keep tabs on my scores.

I have a Bachelors Degree in Visual Communications. I have held down positions in Ad Agencies meeting strict deadlines before venturing off on my own. I don't rely on third party vendors for my products. I fulfill all orders from small prints to large 24x36 posters in house keeping quality top notch. This also keeps my costs low, not paying the middle man.

With this loan, I will have the capital needed to invest in these new contracts and to purchase the equipment needed to make them successful.

Monthly net income: $ 3500 + 2800 (wife)

Monthly expenses: $ 2800-3200
??Housing: $ 1500
??Insurance: $ 120
??Car expenses: $ 430
??Utilities: $ 225
??Phone, cable, internet: $ 220
? Computer Lease: $325 (last payment as of May 2010, 3 year lease, never late)