p2p lending at lending club
Refinance Wells Fargo Visa
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Listing Information
Amount: $1,500.00 Status: Expired
Grade: B DTI: 9%
Lender Rate: 8% Borrower: gardengirl
Time Left: Finished State: TX
Funded: 10% Group: (No Group)
Purpose of loan:
This loan will be used to refinance my Wells Fargo Visa account, which has been closed since 2003.  I have previously posted a listing for this same purpose - at that time, in November 2007, the balance on the account was $4080.  I have since sold my car and have used the savings from the lack of a car payment to pay it down to under $1600.

I have an existing Prosper loan which I have chosen not to pay off at this time.  I have made the decision to apply extra debt payments to more high-cost balances, which has worked out very well so far.

My financial situation:
I am a 28-year-old software developer in a stable position with an annual salary of $80,080.  The table below represents my averaged spending for the past 6 months.  The figure is net taxes and contributions to my retirement account.  "Discretionary" includes such monitor budget items as subscriptions, clothing, entertainment, gifts, etc.

Net Monthly Income4700


Mortgage780
Insurance130
Phone25
Gas35
Electricity110
Cell Phone100
Cable Modem60
Food and Grocery1220
Vechicle/Gas180
Student Loan130
WF Visa130
BOA Mastercard300
Prosper70
Emergency Savings150
Discretionary1250

Thank you for your consideration.  I do understand that my location in Texas keeps this listing from being as competitive as it could be but I would appreciate your bid.
Borrower's Other Listings
84677 Refinance Dell Preferred credit account B $2,110 @ 9% Jan 13, 2007 Loan created
226293 Refinance Wells Fargo Visa B $4,080 @ 8% Nov 05, 2007 Expired

 

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