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  • Please - Help Endorse My Listing

    Hi,

    I've applied for a loan on Prosper, and your endorsement will help me get it funded. Giving an endorsement is free and will only take a minute.

    You can help even more by bidding as little as $50 on my listing. If you sign up as a lender and bid on my loan, you'll earn a $25 sign-up bonus.

    Thanks,
    Andy




  • #2
    Quote[/b] ]http://www.prosper.com/lend/listing.aspx?listingID=258969
    I couldn't click on the link without my browser freezing! Was it just me or did anyone else have that problem?
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    • #3
      funny you say that steve my norton freaked out when i clicked it.

      Comment


      • #4
        Weird, I could email it to you, it suppost to be directed to a specific email, so that may be why this happened. If you give me your email, I will send you the specific link directed to you.

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        • #5
          Email me here.
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          • #6
            Can't you just pretend to be my long time friend, and give a little story about how reliable and trushworthy I am? LOL



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            • #7
              Andy,

              Any updates on this? Were you able to raise any money? What's your view of using this site so far?
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              • #8
                Yes, I was able to get my loan 100% funded:

                http://www.prosper.com/lend/listing....stingID=258969

                I think this site is great when people need money or want to earn a higher rate than a bank. I don't have good credit so my rate was alot higher than I wanted, but I always get a large tax refund, so I'll pay this loan off quick. If I had went to a bank they would have laughed at me. But if you look at some of the listings, you can see, people with good credit can get great rates, even for a car or for whatever reason. The only thing I dis-like about this site is all loans are 3 year term, so if you were to borrow 25k or something higher like that, you would have very large payments.

                You should all check it out, it might be worth something.

                ANDY

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                • #9
                  WOW This is awesome! Ok so give us the low down, how do you pay this back?

                  How does this compare to say, taking a cash advance from a credit card? What the difference in the % rate?

                  Also who picked that interest rate? Did you? Or how does that work?
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                  • #10
                    Also I checked out your listings and it seems like you tried this a couple of times with different figures.

                    Did you find that asking for less money was an easier way to get the money you were looking for?

                    http://www.prosper.com/lend/listing....stingID=258969
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                    • #11
                      yeah, I figured I shouldn't ask for more than I really need, so I lowered the amount to have a better chance. The interest rate was high just based on my credit, and I could of made it lower but I wanted to make sure I got the loan. Now what happens is I make $56 a month payments to the prosper website and then they divide that up into the persons accounts who bid and gave me the money, for 3 years, unless I pay it off quicker which I'm sure I will.

                      I couldn't qualify for a credit card this high of a limit, so this was why I used this method. I'm sure as time passes and My credit gets built up again, I'll have a better chance next time should I need a little loan for something.

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                      • #12
                        Now what happens that my loan is 100% funded and I have half a day left, is people want to get great returns on their money, so they start bidding down my interest rate that I'll have to pay, it started at 35% and its down to 30%, so when it ends, I hope to see that % drop even more.

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                        • #13
                          This is fascinating!

                          Did you have total control over what you set the interest rate too? Or was there some sort of credit check that this site ran on you to create a baseline interest rate?
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                          • #14
                            Yes, they pulled my credit report, and my score was what determined my credit grade, this place is basically a lender like a bank, they also report my this loan on my credit report.

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                            • #15
                              Can you choose the length of time you want to repay the loan? Also is there any penalty for early payment?
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