Finalizing my move to California

Purpose of loan:
This loan will be used to finalize my move to California. I have an apartment I can afford, I?ve been living in the apartment for 8 months, just need the funds to tie up loose ends regarding my move.

My financial situation:
I am a good candidate for this loan because?I have always had good credit, pay my credit card bills in full on time, and strive to save at least 20% of my gross salary.I just had some unexpected car expenses hence the need to dip into my savings.By allocating half my monthly savings into this debt, my realistic goal is to pay it back in full in 3 years or less, with my ultimate goal being to pay down the debt in 2 years.

Q: I'm already disappointed to find 2 of my borrowers here at Prosper late after just over 3 months as a lender. Will you say that you will pay back this loan no matter what especially because most of us are people and not faceless corporations? - Toastmaster007

A: Yes of course. It's not only a matter of protecting my credit, but especially my integrity and witness as a person. I have considered this loan carefully before entering into it, to make sure that I have enough to cover it. I have not applied for any other loans or credit agreements as I only want to deal with one "installment loan" at a time. The monthly payments I undertake to pay have been incorporated in my monthly budget and I also have an (albeit smaller) separate buffer fund. (Feb-24-2010)

Q: Howdy from Montana Ma'am! Did you want to tell the folks what it is you do for a livin' ? Might help 'em get off the fence and into the saddle to drop that interest rate a bit. - Delta-Kilo-7K

A: I think i responded to this already, but in case it didn't go through, I work as a Supervising Paralegal for a Law Firm..I don't think I saw it in the drop down list for employment types, or wasn't able to relate it to those in the list :) (Feb-25-2010)

Last bits of small loans!

Purpose of loan:
This loan will be used to? I have a small balance of a couple hundred dollars each on some small loans with high interest (a couch, my car, and credit card). I'd love to have one payment and not have to use another line of credit to consolidate.

My financial situation:
I am a good candidate for this loan because... I never pay bills late and am motivated to pay balances off. I'm planning to pay the minimum until August and increase the payments as much as I can and pay off the balance before the end of the calendar year.

Monthly net income: $ 1,900

Monthly expenses: $ 1,400
??Housing: $370
??Insurance: $55
??Car expenses: $150
??Utilities: $90
??Phone, cable, internet: $55
??Food, entertainment: $250
??Clothing, household expenses $50
??Credit cards and other loans: $245
??Other expenses: $135

travel for educational grant

Purpose of loan:
This loan will be used to help cover my costs for an educational grant I received. The grant is via reimbursement, so when I am through with the grant I will submit all of my receipts and be reimbursed the full amount of $3500 by no later than two weeks. I am expecting to be done in mid-May.? Thank you.

Q: What is the grant called? Who issued you the grant? - SeeksValue

A: The name of the grant is the Pancoast Scholarship and was issued by Case Western Reserve University in Cleveland, Ohio. I received the grant upon my graduation in May, 2009 but will not receive the funds until after I submit my receipts. (Feb-19-2010)

Q: What are the expenses for which you need this loan? What is your research or project? - Karey

A: The expenses for my scholarship include travel to and from the Neuroscience Institute of Dublin, Ireland, and all of my food and living expenses including accommodation for five weeks from April-May. I will be helping out with a research project at the Neuroscience Institute at Trinity College involving neuro-rehabilitation and functional magnetic resonance imaging. (Feb-20-2010)

Q: I'm already disappointed to find 2 of my borrowers here at Prosper late after just over 3 months as a lender. Will you say that you will pay back this loan no matter what especially because most of us are real people and not faceless corporations? - Toastmaster007

A: Hello- Thanks for your question. Yes, I will be paying this loan back within at most two months after I return (July by the latest). I will be submitting my receipts as soon as I return in May and according to the scholarship, the reimbursements are returned within two weeks of submission. Thanks (Feb-25-2010)

Pay off Personal Loan & Credit Card

Purpose of loan:
This loan will be used to pay off a personal loan and credit card

My financial situation:
I am a good candidate for this loan because I've been very responsible in making my payments on time for the last 5 years.? I've accumulated some unexpected medical bills recently and need to pay off some loans I've taken out

Monthly net income: $ 4600
Monthly expenses: $
??Housing: $ 1300
??Insurance: $ 70
??Car expenses: $ 570
??Utilities: $ 200
??Phone, cable, internet: $ 200
??Food, entertainment: $ 400
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 500
??Other expenses: $

Reinvsting to inprove credit score

Purpose of loan:
This loan will be used to for multiple investments plans. Over $300 of the loan will be reinvested into prosper. $300 will be stored in a savings account to pay back this loan for the first year (this is because my credit score is not that great and I don't want to miss any payments). This loan will help me by increasing my credit score during this hard time.

My financial situation: is stable. I have a great job and can easily pay back the loan.
I am a good candidate for this loan because in the means to pay it back. I'm simply trying to inprove my credit score while making back the interest with a reinvestment plan.

Monthly net income: $2600

Monthly expenses: $2030
??Housing: $890
??Insurance: $110
??Car expenses: $120
??Utilities: $220
??Phone, cable, internet: $90
??Food, entertainment: $600
??Clothing, household expenses $0
??Credit cards and other loans: $0
??Other expenses: $0

Q: Please explain the current delinquencies and public records shown in your credit profile. Thanks much and best wishes. - reflective-rupee

A: The delinquent amount is not correct. I claimed chapter 13 bankruptcy in past 6 moths (that is why there is a public document available). I use to have a loan with WellsFargo for $12,000 (I was trying to consolidate debt)... I stopped paying on my loan and that is what your seeing on my credit report. That account is closed. I currently have 0 credit cards and 0 loans. Because of the bankruptcy, I can't get any loan / credit card from any bank. (Feb-26-2010)

Q: If you are not willing to pay Wells Fargo, why would you bother paying us? - Engineer44

A: Like I said before... I was claiming chapter 13 bankruptcy on over $50,000+ in dept. I stopped paying all of them when I claimed bankruptcy. Wells Fargo is one of the banks that is getting part payback from the bankruptcy (so for 36 months past July 7 (my file date) it will show as delinquent). I pay the bankruptcy court $174 / month. (other then that, I don't have any credit / loans) Thanks, Josh W. (Mar-02-2010)

Consolidate

Good credentials, steady income, never late. Paid off a Proper loan. Looking to consolidate on a smaller scale.

Paying off credit cards

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

My financial situation:
I am a good candidate for this loan because I have a good credit score, and have never paid a bill late.

Re Invest in Prosper

Purpose of loan:
This loan will be used to?I am finding prosper very interesting? and wish to re-invest back into prosper

?Financial situation:
I am a good candidate for this loan because? I work full time and always pay my bills in a timely manner. I do however have a ding on my credit do to a medical mishap in my past.

Monthly net income: $ 1700

Monthly expenses: $
??Housing: $ 520.00
??Insurance: $ 50.00
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 100.00
??Other expenses: $

Expanison of Computer Business

Purpose of loan:
Growing my business 925 Computers into a stronger home-based business.

My financial situation:
?I am a?teacher and my part time?business is computer repair and selling refurbished models.?My first year of?business?my revenue was?$2200?for 2008 and $1500 for 2009.?? I am in position to really begin to advertise and expand?beyond ebay and word of mouth.?Here are?the detailed?items that I need:
-website/advertising?
-expansion of new tools and software(Windows 7 and Vista)
-cash flow to buy?repair parts?(due to diffculty recieving upfront financing for items; most clients want to pay COD only)
-fees for completion of A+ tests (just finished Master's in History Education is the reason I have not taken tests but worked with computers?since 2003)?
?I just paid off my prosper loan and I can repay; I just need the opportunity as I continue to separate personal and business money.?

If you have any questions please ask....

Monthly net income: $ 1100
Monthly expenses: $
??Housing: $?590????
??Insurance: $?140?????
??Car expenses: $
??Utilities: $?25
??Phone, cable, internet: $?50
??Food, entertainment: $ 75
Clothing, household expenses $ 0
??Credit cards and other loans: $?150
??Other expenses: $ 0

Q: I teach computer science, what do you teach and where? - genuine-diversification5

A: teach in NC-history (Mar-04-2010)

Need new shingles

Purpose of loan:
This loan will be used to? I need new shingles on my house, I have $4000, need another $3000 to pay the contractor.? I would appreciate any help I can get for this, thank you for reading.

My financial situation: I am a good candidate for this loan because?my business is doing well!? I have had some dings on my credit in the past, I got into a pinch and had to use credit cards and got into financial trouble while in college.? The last 5 years I have great credit history.? Also, I pay my debts before I splurge on myself, somebody loans me money, they get paid first.

Paying off credit cards

Purpose of loan:
I have seen my rates jump from a decent 12.9% up to over 23% ? and I have always paid my bill on time! I realize the reason for this huge jump is due to the government enforcing recent regulations on the banks that will restrict them from making these changes ? so they bumped everyone's rates prior to when these new regulations took place. Unfortunately they are taking advantage before the law goes into effect. I would rather have individual like you, earn a more realistic return on their money then the big corporations trying to protect the multi-million dollar bonuses of their executives. This truly is a win win for everyone. Thank you in advance !!

My financial situation:
I am a good candidate for this loan because... my credit history is excellent, I have owned my current home for the last 13 years and have a long work history at my current employer.

Boost Investor Confidence

Purpose of loan
My intentions for this loan is to build investors confidence in my ability to repay loan in such a case that I may need to ask for a bigger loan in the future with less interest.I am a firm believer in prosper I invested in prosper 2 years ago not much $150.00 and happy with results.

My financial situation:
I pay all my bills on time, and my wife works making roughly between 1000-1200 a month.
Monthly net income: $ 3000.00

Monthly expenses: $
??Housing: $ 935.00 ????
??Insurance: $
??Car expenses: $ 511.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 150.00
??Other expenses: $ 0

Q: According to Ericscc, you have a return of -6.81% Why are you happy with your Prosper experience? - ideal-value

A: Reason why I?m happy with results is because I did not start off with a lot of money and only have 3 notes. One loan defaulted and I?m not happy with that, but I?m optimistic and say to myself maybe the gentleman ran into hard times because of the feed store he was trying to start around the same time we were heading to a recession. That sucks because I?m out like $36.00 from 50.00, but I feel that as a lender I can make a good profit with my money if I'd continue to invest in prosper. (Mar-09-2010)

college expenses (books, Fees)

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? just completed a loan with Prosper of $3,000.

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 1050
??Insurance: $ 167
??Car expenses: $700
??Utilities: $ 100
??Phone, cable, internet: $ 89
??Food, entertainment: $ 400
??Clothing, household expenses $
??Credit cards and other loans: $ 50
??Other expenses: $

Getting ahead

Purpose of loan:
This loan will be used to?? pay off?a credit card?balance at a cheaper rate than i currently have.

My financial situation:
I am a good candidate for this loan because? I have an excellent debt to income ratio now that I have had some errors corrected on my report. I am currently looking to pay off old debt with this loan in addition to keeping up with my current balances.
My goal is simply to build credit at this point as I dont have many open accounts anymore. I believe that someone in this mindset is extra motivated to make all future payment history look excellent.
Monthly net income: $? 4800

Monthly expenses: $
??Housing: $??900
??Insurance: $? 180
??Car expenses: $ 100
??Utilities: $ 100
??Phone, cable, internet: $ 60
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $


As you can see, i have funds available for this. It should be repaid in 2 years or less.

GUARANTEED PAYBACK; 740+ Credit!

Purpose of loan:
This loan will be used to?purchase inventory for a new business venture - Health Supplements. I already have low-cost cGMP Manufacturers that I've negotiated agreements with to provide the lowest-cost manufacturing capabilities. Additionally, I have a patent-pending formula (via my work with Columbia University & NYU Researchers) that increases mental cognition, memory, improves overall health, increases the bodies natural immune system and also improves mood, drive and well-being). This supplement has the potential to mitigate the usage of existing SSRI anti-depressants (they have anti-cholinergic affects that can lead to dementia, dementia & delirium)

My financial situation: I'm well-off and am a Prosper Lender! I make good money and decided to post this loan because I'd like to possess experience on the Prosper Borrowing side, instead of just the Lending side.

I am a good candidate for this loan because I live below my means, have NEVER been late on any bill (most of my bills draw directly from my checking account) and have adequate savings, much less income, to cover this loan. I'm very financially responsible. My credit score is 740+. Plus, I have 3 sources of income (finance, entertainment industry & rental subletting).

This is as much of a "sure-thing" as there is! Please provide me with the opportunity to exceed your expectations when you place your trust in me.

Thank you.