My personal loan

Purpose of loan:
Pay off current Prosper loan, Pay off kids teeth, pay for shcool cloths and supplies and build a fence

My financial situation:
Stedily improving since a bad year (2004).

Monthly net income: $
54,000 bring home

Monthly expenses: $
??Housing: $ 1,500
??Insurance: $ 100
??Car expenses: $ 545
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ see above reason for loan
??Credit cards and other loans: $ 200
??Other expenses: $

Q: Hi there, Prosper has a linear model to predict defaults. The reason why you have such a poor Prosper rating (HR) is most likely due to the high number of open credit lines (65). You might want to close the ones you don't need for better rating. - green-rapid-openness

A: This loan will close 2 open credit lines, and help close 4 more in the next 6 months. (Sep-03-2010)

Paying off Credit Card Debt

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: 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 will most likely be paying the loan off within 90 days. If it isn't paid in the first 90 Days it will most likely have to go the entire 36 months. (Aug-18-2010)

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: $

Credit Card Elimination

Purpose of loan:
This loan will be used to eliminate my credit card balances and get onto a fixed schedule.

My previous Prosper loan was paid off on time and without issues. The only "late" payment was due to a change in bank accounts (I closed the account that was set up for automatic payments and forgot to update my Prosper account to the new one) and the issue was resolved immediately.

Obviously Prosper has had SERIOUS issues with charge offs which now puts me as a "D" grade. However, my past payment history on this site shows that I'm NOT a deadbeat borrower!

The facts are that I have a good credit score and my debt-to-income will be reduced by this loan since this loan will replace my revolving credit. The economy is in the tank right now and credit might be difficult to extend. However, this loan will guarantee quality returns; likely higher than you're you going to get in traditional investments at this point.

The discrepancy between the loan amount and revolving credit balance is due to some recent payments and a scheduled payment that will reduce the revolving balance to right under 10k.
My financial situation:
I am a good candidate for this loan because?

Monthly net income: $3800 (just my income, spousal income bumps up monthly income to $5800)

Monthly expenses: $2379
??Housing: $800
??Insurance: $200
??Car expenses: $200
??Utilities: $100
??Phone, cable, internet: $100
??Food, entertainment: $300
??Clothing, household expenses $170
??Credit cards and other loans: $400 (replace cc with this loan, it will stay about the same)
Roth IRA: $300
??Other expenses: $200

Q: I didn't bid on your last listing because you said you would not accept the loan if it was above 20%. Have you changed your mind on that? What are the interest rates on the debt you're trying to consolidate? - dynrep

A: I'd probably take the loan if it were in the 20-27% range. I have these debts spread across 3 cards, but most of it is on one account with a rate of 26.99%. Lowest card is 21% with a 4.5k limit and about 3.7k free on it. I'd prefer to get all balances off revolving credit though, so I'd be willing to pay a premium for that which is why I'd take a slightly higher rate. (Aug-26-2010)

Emergency Dental Care

Purpose of loan:
This loan will be used topay for?emergency dental work.? I have gone through a terrible 7 months of tooth problems and 4 oral surgeries and ultimately lost the teeth.? I?now have no other alternative to replace these teeth but?with dental implants,?which is very costly.? Unfortunately, my dental insurance will not cover the implant cost so most of this will be out of pocket.? I recently very suddenly lost my younger brother and had to incur his funeral costs since he had no insurance.? This depleted my savings completely.? It is very important that I have this surgery done as soon as possible and do not want to put this on a credit card due to the outrageous finance charges.My financial situation:?I am a good candidate for this loan because I am a proven Prosper borrower with a current loan in good standing.? I have never been a day late on any of my accounts and take my financial obligations very seriously.? I am an owner of two homes and have been working for Citigroup for over 30 years.? I am a solid person with a proven track record of credit and borrowing.? I totally appreciate your consideration for this loan. My financial situation:This listing just ended at 94% funded!!? Please fund this loan for me, Thank you so much!
I am a good candidate for this loan because:
I am a proven Prosper borrower with a current loan in good standing.? I have never been a day late on any of my accounts and take my financial obligations very seriously.? I am an owner of two homes and have been working for Citigroup for over 30 years.? I am a solid person with a proven track record of credit and borrowing.? I totally appreciate your consideration for this loan and hoping for a quick funding since last try fell short by 6%.? Thank you everyone!

I have good credit!

Purpose of loan:
This loan will be used to? Car repair and for health and fitness uses.

My financial situation:
I am a good candidate for this loan because? My credit score is good and I have an excellent work history.

Monthly net income: $ 2,240

Monthly expenses: $
??Housing: $ 200
??Insurance: $ 55
??Car expenses: $ 180
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 50
??Other expenses: $ 200

paying off creditcard

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: $ 689.00
??Insurance: $ 200.00
??Car expenses: $ 303.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 230.00
??Food, entertainment: $ 100.00
??Clothing, household expenses $ none
??Credit cards and other loans: $ 500.00
??Other expenses: $

Real Estate Investment

Purpose of loan:
This loan will be used to buy new appliances and furniture for a property that I have purchased as a rental to expatriates in a foreign country.?
My financial situation:
I am a good candidate for this loan because I am a long time member of Prosper and as you will see, I have already had a substandial loan before and paid it off with no late payments.? In order to purchase the property, I had to pay 40% of the total value, so I have already invested $100,000 plus in liquid assets that I had available.? The property is located in a very prestigious area and will generate 4 to 5 times what the note will be over the next?36 months.?I already have a two year signed contract for the property that starts in September?2010 and with the current exchange rate the contract pays?about $2300 per month.???Even with the down economy, the value of this property has increased $8K to $10K per year since it was initially purchased 4 years ago.?
Credit score is still excellent but has dropped slightly, not due to late payments but because I purchased a vehicle for my youngest son and my debt ratio went up slightly.? That will go away pretty soon because I have been paying that note at an accelerated rate and will have the 5 year loan payed off in 2 years. I have not been late or missed a payment in many, many years.

Sasscie has bid a total of $56.94 in winning bids.