paying off my credit card

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: $

Visit Relative

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: $

helpingsonwithcollagebookcosts

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: $

Paying for some car repairs

Purpose of loan:
This loan will be used to pay for some needed car repairs.
My financial situation:
I am a good candidate for this loan because I am employed by the Army and have a steady income.
Monthly net income: $ 5600

Monthly expenses: $
??Housing: $ 150.00
??Insurance: $ 126.00
??Car expenses: $338.00?
??Utilities: $ 225.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $
??Credit cards and other loans: $?410.00
??Other expenses: $

Replace Personal Funds for Business

Purpose of loan:
This loan will be used to replace personal savings used to make purchases for my business.

My financial situation:
I am a good candidate for this loan because I have reduced the amount of credit cards I have used in the past and have successfully borrowed and paid off a loan with Prosper in the past. My spouse's income pays all of our household expenses.?

Monthly net income: $ 2500.00

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $ 75.00
??Phone, cable, internet: $ 700.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 400.00
??Other expenses: $ 150.00

Q: Your last loan was to pay off credit cards, and you say you "have reduced the amount of credit cards [you] have used." So, why has your revolving debt doubled since your last loan? - dynrep

A: My last loan was to pay off the personal card for me and my husband. I have paid off two credit cards I used for my business. My business is one I took over from my parents and we recently cleared three credit cards for them, too. I now use an American Express card for my business which I pay off monthly. Because I use it often for business purchases the balance can be as high as $5,000 per month. I do have some business charges on our personal card that I want to clear out with this loan. (Aug-20-2010)

Starscapesfx biz

Purpose of loan:
This loan will be used to purchase the Professional Star Biz program for the Starscapes home based business.

My financial situation:
I am a good candidate for this loan because I have a high paying full time job with the ability to repay any monetary value that is loaned to me.

Monthly net income: $ 3700 ????

Monthly expenses: $
??Housing: $ 903
??Insurance: $ 150
??Car expenses: $ 410
??Utilities: $ 125
??Phone, cable, internet: $ 125
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $ 600
??Other expenses: $ 200

Q: Humans, this is an excellent investment, let's lend to this one! I know Prosper allows the borrower to pay in full up to 36 months. Will you go the distance or will you pay this loan off sooner? If so, in how many months? PS: Please answer publicly. - hektek22

A: I would like to pay it off early, this depends on the success of the business. (Aug-23-2010)

Have some dental work done

Purpose of loan:
This loan will be used to? to have some dental work done and to payoff a small loan.

My financial situation:
I am a good candidate for this loan because? I have a improved my credit score by more than 40 pts. since last loan.? All of they bills are paid on time and my financial obligations are decreasing as the months go by.? I have been retired for one year now and have been in full time ministry (Pastor) since retirement.?

Monthly net income: $ 5,611

Monthly expenses: $
??Housing: $? 300.00
??Insurance: $ 74.00?
??Car expenses: $ 100.00
??Utilities: $ 210.00
??Phone, cable, internet: $ 75.00
??Food, entertainment: $ 120.00
??Clothing, household expenses $?50.00
??Credit cards and other loans: $ 240.00
??Other expenses: $ none

Q: Hi- I was just checking that as a pastor, you are currently making 50,000-75,000? Thanks for the clarifications- Josh - diversification-maple1

A: Hello, No, as a Pastor the yearly salary is currently $18,000 and $37,000+ annually from retirement income. (Aug-23-2010)

Paying off car

Purpose of loan:
This loan will be used to? Pay off car loan.? If? I am able to pay off the loan early the prosper loan will save me money in the long run.
My financial situation:
I am a good candidate for this loan because? I am a teacher, and will have the income.? I am not late with my bills and paid off my last loan early.? I don't carry too much debt. I am not sure why my prosper rating is a D.

Monthly net income: $ 1920

Monthly expenses: $
??Housing: $ 350
??Insurance: $ 135
??Car expenses: $ 270 which will be gone if?I am able to pay off the car
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $ 25
??Clothing, household expenses $ 20
??Credit cards and other loans: $?120
??Other expenses: $

Q: I think you?re a great candidate to pledge / bid for!!.What's your share of the monthly rent (or mortgage) and what's your significant others? - SmartConsolidation

A: I pay all of it. (Aug-25-2010)

Q: Do you have an IRA, 401k, or 403b? If so, what?s a rough estimate of the value? Unlike a Pension fund, these have cash value and can be partially withdrawn. ONLY do this if behind on payments to save your credit. Penalties to cash in are STEEP! - SmartConsolidation

A: No, I am not that much in debt. I just want to pay off this car. (Aug-25-2010)

Q: You'll be debt free faster and save a lot of money if you use Dave Ramsey's plan instead. http://www.daveramsey.com/new/baby-steps/ Good luck, Tom - capitalistpiglet

A: Thanks (Aug-25-2010)

Q: Hi, What subject do you teach? If you don't work in summer, do you still have earnings? You have not repaid the previous loan, why do you want to borrow more? Thanks, - p2ploan-sensation211

A: I teach third grade. I am paid over 12 months, and in the past I have taught summer school. This year, because of budget cuts there was not summer school. I have a car loan that I would like to pay off. (Aug-25-2010)

Q: Do you anticipate any major life events over the next 12 months? This would include large purchases (home/car scale), marriage, divorce, birth of a child, declaring bankruptcy, etc. Thanks and good luck. - CaribbeanBanker

A: My son is a senior in high school, and our plan is for him to attend college. We have two options worked out, and he is already applying for scholarships. (Aug-29-2010)

Rebuild my credit score

Purpose of loan:
The purpose of this?loan is to rebuild my credit score. My wife lost her job and I got a pay cut back in May of 2009 so we fell behind on our mortgage payments and eventually lost our?home. We?various times to?work with the bank to modify our loan but it is nearly impossible to?actually get a?modification out of any bank. I will?pay this loan back in less than a year for sure.??Let me know if you have any questions and I will answer promptly. Thanks.

My financial situation:
I am a good candidate for this loan because my wife has finally found another job and I received half of my pay cut back. I had a great score for 16yrs and paid back every single debt that I owed so please take that into consideration. I know that this loan is expensive in terms of financing but I believe that it is the price that I have to pay since my credit score has declined. It is weird to?know that I have bad credit because I always paid all debts but sometimes things happen in life that are out of your control. I guess this is my second chance to prove myself.

Monthly net income: $ 4199 (not including my wife's income)

Monthly expenses: $
??Housing: $ 1750
??Insurance: $20?renter's ins.
??Car expenses: $ 92.50
??Utilities: $ wife takes care of
??Phone, cable, internet: $ wife takes care of
??Food, entertainment: $ 100
??Clothing, household expenses $65
??Credit cards and other loans: $349 (auto)?
??Other expenses: $ 0

Q: Good luck with your listing. Do you anticipate any major life events within the next 12 months? This would include a change in employment or employment status, declaring bankruptcy, major purchase (house/car, etc.), birth of a child, etc. Thanks. - CaribbeanBanker

A: Hello CaribbeanBanker, I consider myself a stable person in most aspects of my life. I went to college and lived in one place only during my whole stay at SDSU. I then moved back to the SF Bay Area and lived in Concord for almost six years in the condo that we owned. I have had two jobs since then within the last 10yrs in the same industry. I had to file for bankruptcy because we took out a 2nd loan to fix our home. Let me know if you have any other questions. Thank you. (Aug-24-2010)

Credit Card Elimination

Purpose of loan: Pay off a high interest credit card My financial situation:Income vs ExpensesMonthly Net Income$2750Monthly Expenses$2450Monthly ExpensesHousing$750Food & Entertainment$400Auto$220Clothing & Household$200Phones & Internet$150Student Loans$150Savings$100Utilities$80Other$400Total:$2450

Pay off high interest credit card

Purpose of loan:
This loan will be used to pay off my emergency high interest credit card.
My financial situation:
I am a good candidate for this loan because I have a small amount of debt and a very secure job working as an Engineer for a large food & beverage company

Monthly net income: $ 3750 dollars

Monthly expenses: $
??Housing: $ 900
??Insurance: $ 130
??Car expenses: $ 400
??Utilities: $ 100
??Phone, cable, internet: $ 185
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200

Q: you clear more than you want to borrow, why borrow? See my page. thank you - Tono

A: A unexpected expense this has left me in need for the $1000 this month. Once I pay this bill that my finances will return to normal in September. It is out of necessity that I am asking for this loan. (Aug-23-2010)

Q: You'll be debt free faster and save a lot of money if you use Dave Ramsey's 7 step plan instead, including the Debt Snowball. http://www.daveramsey.com/new/baby-steps/ Good luck, Tom - capitalistpiglet

A: Thank you Tom. As I stated in another question from a lender, A emergency I had this month required me to use my high interest emergency credit card. I expect all my bills to be back to normal next month but it safer for me at this time to take the $1000 loan. thank to all who have helped me so far, I appreciate the help it a hard time for me and mine. (Aug-24-2010)

Q: Very good! You'll be fully funded in no time! Dave Ramsey's plan would be perfect for you because his 1st step is to save up a $1000 emergency fund...that would have prevented your needing this loan! http://www.daveramsey.com/new/baby-step-1/ - capitalistpiglet

A: Thank you! I hope I get funded very soon, any contributions are helpful and thanks again to everyone who is or will be lending (Aug-24-2010)

Desperately in Need of a New Roof

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: $

Q: Any reason you did not other to complete, 'purpose of loan and I am a good candidate becuase'?????? - cclady

A: I tried for over 2 hours to get my answers & picture to post, but it just wouldn't work. The purpose is to replace the bad roof, which has now started leaking. I just don't think it will make it through another winter. I feel I am a good candidate because I will always pay my way. I might need a little help to get through it, but I pay. I have high values. Also, although I have been on my curr job only 1 1/2 yrs, I have been with the gov 15 yrs. I am so appreciate of the help! (Aug-25-2010)

My personal loan for my business

The previous listing that was 100% funded and had to withdrawn. The reason being that I had selected "employed" when I should have selected "self Employed". Despite that I was able to submit the 2009 1040 to verify income I was told to re-list as self employed. I am self employed and do have the means to make each and every payment as my credit report reflects.

Oddly, when employed my Prosper Score was AA with a estimated loss of 1.3%. Now listing as self employed is a B rating with an estimated loss of 4.95%. As you can see I owe very little on my credit cards and never have been late. I do not understand Prospers rating system.

I want to personally thank each and every person that placed a bid on the previous fully funded listing but withdrawn and invite you to place a bid again. I was given the direct phone line to the rep in funding and was instructed to call her as she will expedite the completion upon being fully funded.

I also want to send a personal thank you to everyone that places a bid.? ?

Thank you ?

Purpose of loan:?Hello and thank you for taking the time to look at my loan listing. The purpose of this loan is to pay of current prosper loan of 1963.00 and the balance to pay the Federal 2009 Income taxes as a result of an increase in business in 2009. What?my company does is build custom built computer systems for gamers as well as pre built systems for business and home use. Business has been great. My website is www.utopiacomputers.com. I have paid off 1 Prosper loan and was only late once when changing of banks did not get updated in Prosper in time.

I owe very little on my credit cards and plan to pay the remaining balances off this month ( approx 1200.00)


Monthly income: $ 4,916.00
Monthly expenses: $ 2,280.00 ? Housing: $ 0 (home has no mortgage and is fully paid for by partner)
Insurance: $ 400.00 (home, auto, real estate taxes)
Car expenses: $ 400.00
Utilities: $ 400.00
Phone, cable, internet: $ 300.00
Food, entertainment: $ 500.00
Clothing, household expenses $ 100.00
Credit cards and other loans: $ 180.00??
Monthly Balance for repayment of Prosper Loan = 2636.00

You have my personal guarantee that every payment to Prosper will be made promptly and on time each and every month !