Loan For Responsible Borrower With Investments
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,500.00 | Status: | Loan created |
| Grade: | D | DTI: | 16% |
| Lender Rate: | 18% | Borrower: | skm123 |
| Finished | State: | MO | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2008-08-06 | EricsCC ROI: | 17% |
| Status History | |
|---|---|
| Aug 06, 2008 | Current |
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Purpose of loan: This loan will be used to? Purchase a second means of transportation with better gas mileage, possibly a scooter. (I own a Tahoe but plan to keep it) This loan if funded will also build my credit even further for when I'm ready to purchase my first home in approx. 3 years after this loan is paid in full. Please let me proove myself on this wonderful site as I have already done so with my credit. Prosper has me rated as a "D", I have no idea unless my FICO score is low based on fairly new credit but over a year old now. My financial situation: I am a good candidate for this loan because? I live at home with parents, and my expenses are low, I'm very responsible with my money. I intend to pay this loan off in 2 years, I will remain with parents during this time frame to avoid any additional expenses. I fully invest with employer stock and 401K plans, I'm on my way to a nice nest egg for retirement already and plan to purchase a home in approx. 2 to 3 years with my down payment coming from stock. I have been with my employer 4+ years, it's the big-box store and will be in business years to come. I only have 2 credit cards with low balances that could be paid off easily, these were obtained to establish credit a little over a year ago, never a late payment. I use my debit card and don't rely on credit cards whatsoever. I will have automatic payments withdrawn for this loan if funded to ensure lenders they will receive on time monthly payments until paid in full. Monthly income: $1800 (Gross) $1300 (Net) Monthly expenses: $710 Rent: $150.00 Insurance: $80.00 Car expenses: $290.00 Utilities: $0 Phone, cable, internet: $0 Clothing, food, entertainment: $100 Credit cards: $50 Stock & 401K: $400 Savings: $100 Misc. (Gas) $90 Leaves $240 per month for this loan. Thank You! |
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