Debt Consolidation

Purpose of loan:
This loan will be used to consolidate some my existing unsecured loans into lower interest rates.

My financial situation:
I am a good candidate for this loan because I always pay my debts. Bankruptcy or late payments are not an option for me and that is reflected in my credit score.?I take pride in making my payments in full. I am a current prosper member and lender so I know the feeling of delinquent borrowers not paying. I have a good job with a good salary. I purchased a home over a year ago and had some unsecured debt build up as a result. I would like to eliminate this debt and contribute to the prosper community while doing so. My credit score is lower than it should be because of these existing unsecured debts and the recent purchase of my own. Please consider the fact that I havent had any late payments for the better part of a decade!

Consolidating in 2010

Purpose of loan:
This loan will be used to? Pay off credit cards that accumulated so my wife could become a stay at home Mom.

My financial situation:
I am a good candidate for this loan because?I have rock solid employment for the last 11 years.?

Monthly net income: $ 3500.00

Monthly expenses: $
??Housing: $ 1400.00
??Insurance: $ minimal?cost since?obtained through employer benefits
??Car expenses: $ 205.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 150.00
??Other expenses: $

Payoff high interest credit cards

Purpose of loan:???????????????
This loan will be used ?.To pay off?one high APR?credit card .

My financial situation:
I am a good candidate for this loan because I?have never been late or delinquent in the 17yrs of my credit history. I have an existing?Prosper loan that is deducted automatically, as this loan will be also. I have a good work ethic along with a stable secure job and excellant benefits with my employer of 16 yrs.I share household expenses with my mother as indicated by my monthly expenses. I do recognize that my DTI and Bank Card Utilization are high, this was partly?due to a family financial crisis that occured that I have managed to get thru without any negatives to my credit history..My financial goal is to reduce my debt by paying off or down all of my?credit balances beginning with the highest APR'S,?applying all of my?discretionary income to do so until my?DTI and credit score improve significantly. As my?finances improve I too will invest in Prosper Members as you have invested in me. Thank You Prosper Members for all of your support. HAPPY HOLIDAYS TO ALL OF YOUR FAMILIES

Monthly net income: $ 2,981.00

Monthly expenses: $ 1,475.00
??Housing: $ 250
??Insurance: $?40
??Car expenses:?$?I own my car
??Utilities: $ 125
??Phone, cable, internet: $45
??Food, entertainment: $125
??Clothing, household expenses $?100
??Credit cards and other loans: $ 750
??Other expenses: $

Q: Given that your monthly income exceeds your monthly expenses by about the amount of this Prosper loan, why do you need this Prosper loan? You seem to have adequate free cash flow to pay down your debt already. thanks - reflective-rupee

A: I need this loan to pay off my highest APR card with a balance of $1672 @30.99,while using my remaining cash flow to agressively pay off and down my highest APR card balances systematically, until there is a marked reduction in my DTI . card utilization and improvement in my credit score . Thank You for your question and your bid consideration in getting my debt elimination process started. (Dec-12-2009)

Before the interest accrues

Purpose of loan:
Need to pay off a 0% promotional balance before accrued interest at 22.99% is charged

My financial situation:
I have high debt level of the last few years with the cheap credit and also had some major expenses this last year.? Put off paying this down for roof replacement, found termites and?treated along with an AC unit going out.? Never late on my payments.? Been at my current employer for over 7 years (survived being aquired twice) so a stable work environment.

Monthly net income: $ 4224.00

Monthly expenses: $
??Housing: $ 630.00
??Insurance: $?Included in the house escrow payment
??Car expenses: $ 215.00 with June 2010?payoff
??Utilities: $ 150.00 water/electric/garbage
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $
??Credit cards and other loans: $ 2700.00?
??Other expenses: $ Rest of monthly income to incidentals or tacked on to debt payments

Q: Best wishes on your bidding; could you please detail your CC and % rate and which acct u will be paying? Your expenses shows that u don't have much room for additional expenses (only $29); please explain how this 1000 will help your cash flow? - Nasdaq

A: Ah I see. When I put the listing in I pulled each of those numbers from a budget spreadsheet. My house payment and car payment is listed in with the credit cards and other loans amount. Below is a listing of my debt and the payments required. I'm not really looking for this to increase my cash flow, I'm more concerned with reducing the amount of debt I have. 480 BofA 100 BofA 250 BofA 50 BofA 50 Chase 75 Chase 225 Chase 50 Chevron 50 Dell 200 Lowes 100 Simmons 225 Wells (Dec-09-2009)

medical bills

Purpose of loan:
This loan will be used to?

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

Paying off credit cards

Purpose of loan:
This loan will be used to pay off several of my lower balance revolving credit cards that have high interest rates.

My financial situation:
I am attempting to lower my?payments by consolidating some lower balance credit cards. This loan will allow me to pay them off and reduce my monthly expediture.
Monthly net income: $ 7700

Monthly expenses: $
??Housing: $ 950
??Insurance: $ 90
??Car expenses: $ 120
??Utilities: $ 150
??Phone, cable, internet: $ 180
??Food, entertainment: $ 250
??Clothing, household expenses $ 120
??Credit cards and other loans: $ 2000
??Other expenses: $ 200

Entrepreneur Seeking Venture Caps

Purpose of loan:
This loan will be used as start up capital for a small residential care facility.? The Golden Girls Retirement Manor will provide upscale accommodations for?vibrant, active senior ladies that no longer wish to live alone or need occassional assistance with day to day activities.? There will be a live-in nurse to give assistance when needed, monitor medications, cook all meals,?provide housekeeping, laundry, meals and transportation.? I already have the nurse ready to begin working.? I have one resident waiting for completion of the facility. I put a lease?offer on a?property 2 days ago. I had 200 brocures and flyers printed and ordered an ad to be placed in the next publishing of the local phonebook.? I have researched all permits, licenses and zoning.?There is only one competing facility in town, and?it has no vacancies.?

My financial situation:
I am a good candidate for this loan because? I am an accomplished small businessman who understands what it takes to successfully research, start and run a business.?My income to debt ratio is manageable.?My mortgage is much lower then most banks think I qualify for.?I do not have any vehicle?debt.?I own several successful rental properties. I always pay my debtors because I may need capital again in the future, and a great deal?must be beneficial and profitable for everyone.

Q: Hi, How will you be able to take on the responsibilities of operating a senior-care facility while you have other full-term work responsibilities? - ddamenace

A: I have no intention of running the care facility, the nurse will manage it. (Dec-08-2009)

Auto loan for my sons first car.

Purpose of loan:
This loan will be used to help pay for my sons first car.? We have $1500 to put down but need a little more to buy the car.

My financial situation:
I have gone through a bankruptcy because of a failed business.? I have good income and my bills are inline with my plan.? According to the plan I can only borrow up to $1000 without court approval.

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

Let my debt make you money!

Purpose of loan:
We have worked very hard to get out of debt in the past 4 years.? We were going through a credit counseling agency but want to pay things off on our own without paying them a monthly fee every month just to pay our bills for us.? We would like a loan that will give us one payment and the date of it being paid off in 3 years.? This way our debt is paid off by a set deadline and we can watch our debt go away forever!? I had orignally asked for $20,000 to combine everything I owe into one loan, but under Prosper's recommendation I am only asking for $3,000.? This will allow me to pay off the things with the highest interest and then maybe work the other things onto Prosper later.? I love the idea of Prosper and peer to peer lending.? I would much rather be paying someone who is giving me a helping hand then paying a bank who is just in it to get as much money as possible.


My financial situation:
My family has had some bumps in the past, but has recovered.? I got a substantial raise early this year and my husband will be moved up to a management position at his job within the next 30 days.? We also now own our own home and want to be on stable financial ground.? One payment for all our debt would allow that.? We have never *not* paid something.? I take my debt and bills very seriously.? I want a stable life for my family and financial stability would be a major part of that.?

Monthly net income: $ 5,000

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 100
??Car expenses: $300
??Utilities: $?75
??Phone, cable, internet: $50
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $?400 (This loan payment would 1/2 the credit card payment.? So I wouldn't be paying $400 to the credit cards and still need to?put money towards Prosper loan)
??Other expenses: $

Q: Hi, I commend you on your diligence in becoming debt free, keep it up and Merry Christmas - DasMula

A: Thank you so much! Merry Christmas to you as well! (Dec-10-2009)

Remodel Bedroom

Purpose of loan:
This loan will be used to? Remodel spare bedroom for my husband who is handicapped.The carpet in his room needs to be replaced with a tile floor and the doorway needs to be bigger to accommodate his wheelchair.

My financial situation:
I am a good candidate for this loan because? I have a current prosper loan which I have not been late on any payments.I budget my money and pay my bills on time.I had some history of late payments related to large amount of medical bills because my husband was ill.We had to file bankruptcy due to the large amount of medical bills.He has since established good insurance and I am able to pay the bills on time.My approximate monthly bills averages around $1100.00 per month.So I will be able to afford to make a payment on a loan.

Monthly net income: $ $2500

Monthly expenses: $
??Housing: $ 421
??Insurance: $ 90
??Car expenses: $ 80
??Utilities: $ 100
??Phone, cable, internet: $ 90
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 113
??Other expenses: $

Buying 1.6 acres with school house

Iam upset, this is my 3rd loan and i didnt change any settings since i signup , this will be my 3rd loan, iam self employed and they had me listed as full time which i am self employeed full time. Today after this loan funded prosper emailed me and said they needed w-2 , i do have a w-2 but i take out a small amount and take the rest in dividends every month, they said they cant accept that , they canceled my listing. I hope we can still fund this, thank you for looking

This is our 3rd loan total with prosper . Purpose of loan: We are buying 1.6 acres of land? and it comes with a 1903 school house. Our future plans is to rebuild the school house from the ground up , we will pay an architect?to make new floor plans for rebuilding the school house from the ground up. This is a 10 year project for us, but we really have the passion to own this peice of land and have the floor plans redone before this old school house crumbles. I have had loans and have an active one now with prosper and always have paid them off? and payed on time. If you have any questions please reply to me , we look forward to getting this loan.??

Q: Congratulations for 33 on time payments and a 60 point credit score rise. I can't see why P took you to a HR from C, everything is better. Would you explain the 1 dq and how your cash flow will be after this funds. thanks JJ - quickstep

A: thank you, i dont know why they rescored me from a c to hr, it makes no sense . The one Dq is an error by the credit agencys, if you check my last 7 yeras of late payments or dq, there isnt one, . I have written a letter to the credit agencys about this as well. This loan payment will not affect my cash flow at all, this is a easy payment for me to handle, thank you for bidding (Dec-13-2009)

for personal reasons

This is a personal loan I am seeking that I want to pay off in twelve months: with first payment due Aug. 1, 2008



Purpose of loan:
This loan will be used to?

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

Need fixed rate/fixed term

Purpose of loan:
This loan will be used to? pay off high interest credit card account that the lender (Chase)?closed for reasons unknown to me, raise my credit score, lower my bankcard utilization % and make this balance a?fixed interest?rate with a fixed term. The current rate is above 29.99%.

My financial situation:
I am a good candidate for this loan because? my lack of delinquant payments should clearly reflect my level of financial responsibility. I have secondary income in the amount of $6000 yearly not recorded on W-2's from construction and maintenance. Credit card debt and bankcard utilization varies?greatly month to month so my credit score does as well.

Monthly net income: $ 2500

Monthly expenses: $ 1835
??Housing: $ 718
??Insurance: $?wife pays this?
??Car expenses: $ 285?
??Utilities: $ 150
??Phone, cable, internet: $
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 382
??Other expenses: $

Moving Back to school

Purpose of loan:
I have recently proposed to my girlfriend of 4 years who just got into grad school at the university I attend in Boston. We had to find our first place together up there which was a new experience for the two of us. With all of these life changing events going on I forgot to file my normal paper work for paying for school in a timely manner. This loan will just help to cover expenses of moving and getting set up before my money clears in January.

My financial situation:
I'm a good candidate because I have been working hard to start my life off on the right foot but have just come up a little short right now. The money to repay the amount I am asking for will be cleared in my account by the end of January, the problem is I need it sooner.

Monthly net income: $
2,500

Monthly expenses: $
??Housing: $ 700
??Insurance: $ 13
??Car expenses: $ 0
??Utilities: $ 25
??Phone, cable, internet: $ 25
??Food, entertainment: $ 300
??Clothing, household expenses $ 300
??Credit cards and other loans: $ 20
??Other expenses: $