Debt consolidation

Purpose of loan:
Consolidate credit card and credit union debt.

My financial situation:
I am a good candidate for this loan because I have previously paid a Prosper loan in full. I have a high credit score, a high-paying professional job, a very low debt-to-income ratio, and good bankcard utilization, I save more than $1000/month in my 401K and have savings I could tap in an emergency.

d.pymt on partnership offering

Purpose of loan:
This loan will be used to?make a 20%?down payment on a $30,000 partnership offering of my firm. The firm finances the rest.?

My financial situation:
I am a good candidate for this loan because??I have a good income and have never missed a payment of any kind.

Monthly net income: $
9500
Monthly expenses: $
??Housing: $?1400
??Insurance: $ 500????
??Car expenses: $ 500
??Utilities: $250
??Phone, cable, internet: $ 250????
??Food, entertainment: $ 1000
??Clothing, household expenses $ 1000
??Credit cards and other loans: $ 3500
??Other expenses: $ 350

Strategy Stock Trading Algorithm

Purpose of loan:
These funds will be used for funds to purchase stock using a new strategy stock trading algorithm. My company has partnered with one of the largest online brokers and they are providing direct access to their trade servers. Over the past year we have been developing an algorithm that monitors stock trades at a rate you can only imagine. The algorithm is programmed for small wins and stop losses, so that the money will never be lost. We have ran the algorithm on live data simulating trades to predict profit and have an average gain of $4,000/mo on $25k investment. We have also tested this against historical data and have also seen a profit. We are now ready to invest money into this proven business.

My financial situation:
I am a great candidate for this loan because I am well qualified and have the income to back the investment on my own. I have been programming computers for over 14 years for major corporations. I also have a Bachelors? of Science in Business Administration. I also have passed my Series 6 and Series 63 licensing exams for trading. I believe in multiple streams of income so I also hold my life insurance and real estate license.

My full-time job I am the Mobile Platform Architect at the third largest social network in the world. It is a very stable position where I control all mobile development for this company. I make $16,000 a month, and I also own a software company that makes me $5,000 profit a month.

Monthly net income: $ 15000

Monthly expenses: $ 4280
??Housing: $ 1500
??Insurance: $ 80
??Car expenses: $ 300
??Utilities: $ 300
??Phone, cable, internet: $ 500
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 500

Q: Your monthly net income after expenses is almost $10,000. Why would you need this loan and pay 20% interest when you could use your own money? - social-turtle4

A: That is a great question, I am using my own money. The more money you invested into a strategy the more return you can get. To give you an example if the strategy moves 1000 shares at only $0.02 profit per share then I make $20, which if paying $10 per trade you break even. So if I move 2000 shares for a $0.02 profit then I make $40 - $20 fee = $20 profit. Basically the more money you move the more you make. Also, you never want to invest in low cost stocks because they are too volatile. (Dec-07-2010)

BBQ Man Buying Commerical Smoker

Purpose of loan:
This loan will be used to purchase a Lang 84 (www.pigroast.com) commercial smoker.? I currently own a Yoder smoker "Cheyenne"? (www.yodersmokers.com).? I have been working on my own personal BBQ recipes and have catered many parties with all positive results.? I need a bigger smoker to be able to cater large parties.

My financial situation:
I am a good candidate for this loan because I have been paying all of my financial obligations since my divorce (reason for public record).? Good credit is very important to me and this is a low risk loan.?? I have been a lender on Prosper since 2008 and would still be lending if it wasn't frozen in my state.? I plan on using this loan and paying it back in 1 year to not only start a business but to also see how the other half of Prosper works.? I am only borrowing part of the money for this smoker as I have the rest in cash.? My bankcard utilization is much lower than shown as my credit limit has been increased in the last two weeks and my actual utilization is approximately 56%.? I would rather purchase this smoker with a loan thru here than to pay high interest on it for the year.?

Monthly net income: $ 3600
Monthly expenses: $ 2635
??Housing: $ 860
??Insurance: $ 140
??Car expenses: $?590
??Utilities: $ 145
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 300
??Other expenses: $

Q: Your annual income is stated as $75,000 to $99,999 but your monthly income is only $3,600, which is only $43,200 annualized. Can you explain the reason for the difference? - orange-impartial-asset

A: I pay child support ($1441/month). The numbers listed in my profile as take home pay is after paying child support. (Dec-15-2010)

Paying off Credit Cards

Purpose of loan:
This loan will be used to?? This loan will be used to pay off my credit card debt and that of my wife?s.By consolidating my debt I will be reducing my monthly expense and save on interest.My financial situation:
I am a good candidate for this loan because? I have steady employment and good credit history.?

Monthly net income: $?$4724 plus commission checks every other month.? Oct Commission was $8,600 net and December Commission was $6,000 net.
??Housing: $ 1423
??Insurance: $ 100
??Car expenses: $ 355
??Utilities: $ 350
??Phone, cable, internet: $ 95
??Food, entertainment: $ 1000
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 500
??Other expenses: $

Q: I am interested in funding your loan. Please list the outstanding balance, APR, monthly payment, and the amount of time you have been paying off the debts you are looking to consolidate. Thank you. - newest-funds-powerplant

A: The debt was acquired when I was self Employed a few years ago. Just recently I took over the bills from my spouse and really started digging in. The credit cards debt is spread over six credit cards with various balances. The total is $17,500 or so however one of those credit cards has a low interest rate. The others range from 17% to 31%. My laptop with my budget spreadsheet is in the shop after my son dropped it so I can?t provide exact numbers, however I do know my highest credit card i (Dec-15-2010)

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?
Great job
Monthly net income: $
1000
Monthly expenses: $
??Housing: $ 0
??Insurance: $
??Car expenses: 0$
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 120
??Other expenses: $ 0

Q: I would love to bid can you explain this? Amount delinquent:$496 - MrVegas

A: I saw that I am looking into it. I believe it is a mistake (Dec-20-2010)

payoffcreditcarddebt/homerepair

Purpose of loan:
This loan will be used to?payoffcreditdebtdebt/homerepair

My financial situation:
I am a good candidate for this loan because?i pay my bills and am a responsible person?

Monthly net income: $ 2800

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

Q: Can you please provide: 1. The total mortgage balance (including 2nd/heloc) on you home 2. The market value of your home (use zillow.com if unsure) - kindness-launcher

A: mortgage balance 152,000 market value 180,000 could be more (Dec-21-2010)

Paying for vehicle repairs.

Purpose of loan: I need to pay for a new (to me, anyway) engine to be installed into my 2001 Dodge Caravan.
This loan will be used to pay for the purchase and installation of a new engine. It recently developed some serious problems that resulted in our needing a new engine. Purchase of a new engine, along with labor and installation costs, totaled $1200.00. I was able to provide the garage with a $200.00 good faith payment, but I simply do not have the financial capability to pay for the remainder of the bill. I need this vehicle to get to and from work on a daily basis, as do most of you, and without it I can't do my job.

My financial situation is reasonably good. I am current on all of my financial obligations save one, and the one delinquency I have is due to a billing dispute that I am actively involved in trying to clear up. That should be corrected and paid off within the next 1 to 2 months. Other than this, though, I am current on all of my bills. My wife stays home with our 3 children, so I am the only wage-earner in our household. We do not normally have problems making ends meet, but this winter has been especially difficult for us. I work in the automobile sales field, and this has not been a good year for anyone in this field, so this additional $1200.00 has financially crippled us, especially since we have used what little savings we had to purchase gifts for our children during the holiday season (for some reason the proofreader won't let me use the proper title.)

I am a good candidate for this loan because I have a stable work history (5 years with the same employer) and can easily afford the $45-60 per month this loan would obligate me to. Additionally, I plan on paying off the balance of the loan in its entirety with my federal tax refund in February. This will be the dictionary definition of "short-term loan."

Monthly net income: $2500.00

Monthly expenses: Approximately $2200.00, broken down as follows:
??Housing: $800.00
??Insurance: $85.00
??Car expenses: $280.00
??Utilities: $200.00
??Phone, cable, internet: $150.00
??Food, entertainment: $500.00
??Clothing, household expenses $200.00
??Credit cards and other loans: N/A
??Other expenses: N/A

Q: Your HR credit is a concern, but I am bidding on YOU. I think you deserve a chance! All I ask is that you make sure this prosper loan gets paid. I am NOT a bank, I am a REAL person putting faith in you, So please don?t let me down! - I-Believe-In-You

A: I sincerely appreciate your faith in me and your willingness to help my family. This isn't going unnoticed on my end. As I mentioned, the remainder of the loan will be paid off in its entirety with the proceeds from my income tax returns in February. Thanks again! (Dec-21-2010)

Q: Why are you currently delinquent $655 ? - nfx

A: The $655.00 is a payment owed to a prior creditor. I had mailed a check to pay the balance in full, but it was misrouted in the mail. I was able to provide the company with evidence that I had, indeed, mailed the check and they are currently in the process of clearing the error up. I was told by their A/R representative that once the issue was cleared up that they would correct the information on my credit report. (Dec-22-2010)

Home Improvement and Personal

Purpose of loan:
This loan will be used to purchase a new A/C and furnace for my home and also help my sister get a divorce. I am more than capable or repaying the loan and might not even need it for the full 36 months. I plan to repay early if that is allowed.

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

Monthly net income: $

Monthly expenses: $
??Housing: $941
??Insurance: $165
??Car expenses: $200
??Utilities: $50
??Phone, cable, internet: $100
??Food, entertainment: $150
??Clothing, household expenses $
??Credit cards and other loans: $75
??Other expenses: $79

Q: Can you please provide: 1. The total mortgage balance (including 2nd/heloc) on you home 2. The market value of your home (use zillow.com if unsure) - kindness-launcher

A: Total Mortgage balance is 143,961, Market value is 145,000 (Dec-20-2010)

Q: why do you have 10 recent inquiries? - p2ploan-sensation211

A: I had tried a service online that said it guaranteed a home improvement loan. After I discovered that it just sent my info out to several services I have been in the process of getting those inquiries taken off because they are hurting my credit score. (Dec-23-2010)

Q: What exactly is your occupation? Thanks - RecoveryLender

A: I am an Audiovisual Teleconferencing Specialist for a career tech. (Dec-24-2010)

paying down my credit cards

i plan on paying down my credit cards and having less payments a month so i can have this money in a fund to use as needed for home repairs and upkeep of vehicles and any taxes, insurance and other items that become payable during the year. i have steady employment and worked here for over 6 years but my first job lasted 32 and half years till the plant closed so i am a stable worker and do not move around i just want to get my finances in order and be able to have money as needed for day to day expenses and any unforeseen problems

Cost of Living Adjustments

Purpose of loan:
This loan will be used to adjust cost of livng & business.

My financial situation:
I am a good candidate for this loan because the adjustments will be for profit of prepared production ready for market indtroduction.

Monthly net income: $ 870

Monthly expenses: $ 722
??Housing: $ 0
??Insurance: $ 65
??Car expenses: $ 0
??Utilities: $ 140
??Phone, cable, internet: $ 66
??Food, entertainment: $ 150
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $ 1

Paying Bills

Purpose of loan:
This loan will be used to?consolidate and pay bills so that the payment will be smaller.? My financial situation: I am a good candidate for this loan because?I have good credit, pay timely and have never missed a payment. Monthly net income: $3300 Monthly expenses: $ Housing: $1585 including taxes and insurance ??Insurance: $86?car insurance?Car expenses: $363?Utilities: $300??Phone, cable, internet: $225 ?Food, entertainment: $300 Clothing, household expenses $ ?Credit cards and other loans: $200 ??Other expenses: $