Eric's Credit Community

Hello, and thank you for looking at this listing.

Please NOTE:  I actually earn $60,000+ per year, but I can only prove my previous job's salary because I haven?t received my first W2 from my new job yet.  I had to put $40,000 as my income, though it is actually much higher.

Purpose of loan:

I?m refinancing debts, not seeking money for a new purchase. Quite simply, I?m planning to refinance a couple debts at a lower interest rate to save money!

Remember, I don?t need this loan!  I already pay all my bills without a problem!  This is a VERY SAFE investment for you!

 
My financial situation:
The most promising reason I will be able to pay back this loan is that I have been using my budget with great success for a year now.  With my current job, I have been steadily paying down my debts without missing a beat, all the while building a savings account.

I am not having any trouble paying my expenses, and I am enjoying the personal connection offered by Prosper, so I?m coming back to request a loan that will lower my interest rates and help me pay debts faster.
 I will be auto-debiting my checking account to pay the loan, and in February, another installment loan will be completely paid off, so I?ll have extra money ($350 / month) to put toward this loan or other expenses.

Monthly net income: $3800.  I have paystubs coming in at $1900 every two weeks to prove it.

Monthly expenses: $ 3400
  Housing: $ 1200
  Insurance: $ 150
  Car expenses: $ 350
  Utilities: $ 100
  Phone, cable, internet: $ 100
  Food, entertainment: $ 150
  Clothing, household expenses $ 200 -- Moved into a new place.  This is for furnishings.
  Credit cards and other loans: $ 850
  Savings: $ 300

I would be more than happy to answer any questions about my financial situation, income, debt, history, etc., I just ran out of space!

Happy bidding!

Questions?  Let me know!