AVOIDING PAYDAY LOAN - PLEASE HELP
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,000.00 | Status: | Loan created |
| Grade: | HR | DTI: | 4% |
| Lender Rate: | 30% | Borrower: | the-wealth-seeker |
| Finished | State: | NJ | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2008-09-17 | EricsCC ROI: | 29% |
| Status History | |
|---|---|
| Sep 17, 2008 | Current |
|
Purpose of loan: This loan will be used to? Pay some bills for the next few weeks. Rough summer financially, but things are improving. Car broke down ($3250), Girlfriend was out of work (started new job this week), had to use credit cards to pay auto repair and float us on living expenses (her unemployment covered only a portion of what we needed). Took out a payday loan to cover the rest. I'm at the point where I need to get another one and I really want to avoid that if at all possible. Our financial house will be in order by the end of the month, but I need this amount now to avoid being late on any bills. $100.00 Prosper Fee $250.00 to Credit Cards (At least reduces balance slightly) $390.00 Payday Loan $160.00 Misc. Bills/Living Expenses My financial situation: I am a good candidate for this loan because? Although my credit score is not where I would like it to be, I have never missed a car payment, rent payment, utility payment, etc. I keep my expenses in check and am very aware of where every penny goes. Monthly net income: $ 3100.00 Monthly expenses: $ Housing: $ 1130.00 Insurance: $ 100.00 Car expenses: $ 300.00 Utilities: $ 100.00 Phone, cable, internet: $200.00 Food, entertainment: $ 250.00 Clothing, household expenses $ 40.00 Credit cards and other loans: $ 140.00 Other expenses: $ 40 Prosper Loan Payment: $50.00 I will be able to budget additional to pay towards loan. I have reduced the amount requested several times, this amount will give me what I need. I will be receiving my year-end bonus in December and tax refund in April, both of which will payoff any remaining credit card balances and paydown this loan. Ultimately, I can have this paid off and be totally debt free by December 2009. Thanks for your consideration. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 385814 | Consolidating Debt, Continuing Education, and Getting Ahead | HR | $18,000 @ 18% | Aug 20, 2008 | Withdrawn |
| 386727 | Improve Credit Score & Consolidate Bills | HR | $10,000 @ 21% | Aug 22, 2008 | Withdrawn |
| 388724 | Consolidate DEBT & Improve Credit Score | HR | $9,000 @ 35% | Aug 26, 2008 | Withdrawn |
| 389653 | Clean Slate | HR | $7,000 @ 35% | Aug 28, 2008 | Withdrawn |
| 389880 | Clean Slate | HR | $5,000 @ 35% | Aug 28, 2008 | Withdrawn |
| 390031 | Clean Slate | HR | $4,400 @ 35% | Aug 28, 2008 | Expired |
| 393354 | Relist - Clean Slate | HR | $3,200 @ 35% | Sep 05, 2008 | Withdrawn |
| 394785 | Breathing Room | HR | $2,200 @ 35% | Sep 08, 2008 | Withdrawn |
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