Buying a Vehicle Through Private Seller
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,000.00 | Status: | Expired |
| Grade: | HR | DTI: | 27% |
| Lender Rate: | 24% | Borrower: | Millerx80 |
| Finished | State: | IL | |
| Funded: | 0% | Group: | University of Illinois at Urbana-Champaign |
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I am taking out this loan to consolidate 3 smaller balance credit cards into one payment. At first glance, I probably don't seem like a strong candidate to fund because of my credit rating. To give you a brief history of my credit, I was always very responsible and timely with my payments before I went away to school at the University of Illinois at the age of 23. During my two years there, I ran into troubles when my student loans expired. I rang up 2 of my credit cards very high, and being only able to work one day a week, I got a quick lesson on how you can get into trouble. Rather then dropping out of school, I chose to finish school, but this certainly did not help my credit. **** I Have been with prosper for 2 years. I have taken out 2 previous loans, one of which I fully paid off. I have never missed or have been late on a prosper payment, a good portion of my credit rating was due to poor lack of organization, not lack of money. Prosper Payments are taken out automatically, I will have no problems whatsoever continuing to make these payments. I recently began working as a personal banker with JP Morgan chase. Due to a long traing program, I have been making a few hundred dollars less per week for the past 2.5 mos, lending me unable to attavk my credit cards until my monthly bonuses kick in. I am still working a second job at Wildfire, a local restaurant. With that being said, I am currently making approx. 800$ a week, and when my bonuses kick in at the end of January, it should average out somewhere in the $1000-1200 range with chances of going higher every month. .My monthly budget: Mortgage/rent: $ 0.00...Live with Family Insurance: $100$ every 3 months Car expenses: $365 a mo.....Car is fully paid off Utilities: $0.00...covered Phone, cable, internet: $up to 100.00 for cell phone Food, entertainment: $500 approx .Clothing, household expenses $under 100$ Credit cards : If I include this loan, will come out to approx 300-325 a mo. Student Loans: Approx 200 a month As stated above, I have been with prosper for awhile now. Anyone who has funded me in the past can attest they have had no problems whatsoever lending to me. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 39270 | Credit Cards Credit cards Credit cards | E | $4,000 @ 20% | Sep 13, 2006 | Loan created |
| 123088 | Buying a Vehicle Through Private Seller | D | $10,000 @ 19% | Apr 13, 2007 | Loan created |
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