LendingClubStats.com

refinancing

I opened a one year, no interst furniture charge for my brother as a wedding present. The year is up and I am looking to refinance it before he gets hit with back interest. Thanks for your help.

Thank you for taking the time to view our request. My wife and I were married Valentines day this year. We recently closed on our first home on 8/31/07. We have four beautiful children. With the new mortgage (and all the other bills that come with our home), we have found ourselves over our head in debt. We are in dire need of assistance to maintain the life we have been steadily building for our family. Our income and debt are as follows: I have been an auto tech for nearly 3 years with the same employer. This year, I was promoted to manager, which, helped us realize our dream of homeownership. My wife works part time as a CSR at the same company. I earn 60k/annually My wife $17k Average Net monthly income: $4500 Our monthly debts: Mortage $1120.00 Vehichle:$639.00 Credit Card: $100.00 Credit Card: $ 89.00 Short term Personal Loan: $150.00 Short term Personal Loan: $190.00 Car insurance: $125.00 Utilities: $300.00 Cell Phones: $80.00 Gas: $300.00 Food:$600.00 (with tons of coupons) Daycare: $120/wk With this loan we intend to pay off the two personal loans. This will give clear at least $340 a month! This is a big deal to us. This will be our first step in a series towards reducing our debt. All of our bills have ALWAYS been paid on time and remain current. My credit profile is being penalized because I have never had much credit. We are honest, loving, and giving people. We take nothing and no person for granted. We thank you for any contribution you make. Please feel free to ask us any questions. Thank you! Russell

WE NEED MONEY TO COVER EXPENSES, MEDICAL BILLS, PAY OF CREDIT CARDS, BASICALLY GET OUT OF DEBT. PLEASE HELP US, ITS URGENT WE NEED MONEY FOR MY FUTURE CANCER SURGERY AND WE NEED TO BE FREE OF THESE DEBTS, TOO WE DONT WANT TO BE LATE IN OUR PAYMENTS. PLEASE CONTACT ME, BY E-MAIL FOR THIS IS MY BEST WAY OF COMMUNICATION DUE TO A TONGUE CANCER. CBGONZALEZ1@MSN.COM. SINCERELY, Carla Baez-Gonzalez

I am trying to consolidate some high interest (21%-34%) credit cards. I have closed the accounts but can't seem seem to get the principle knocked down.

We just got married and we would like to pay off our wedding costs including our credit cards. We would like to do this so we can get back in the black.

I've got a few high intrest rate credit cards and I'm tired of making the banks rich. I'm looking to consolidate my debt and give some individuals a good investment.

Pay off two credit cards.

I would like to have more money for a home renovation project currently in progress on my personal home. I currently have another home for sale that was an investment property. I have a lot of money coming from the investment property when it sells, but everywhere I have applied for a loan wants to refinance the first trust deed as opposed to placing a second trust deed on the property. Because I only need $20,000 more for this project, I don't want to pay the fee's involved with refinancing either of my properties. To refinance the whole loan on either home would cost me thousands in fee's.

I Need money to have in reserve for when clients get more than two months behind. I am taking on bigger jobs and need to pay for expenses before I get payed. I have been using credit cards but I have found that this is hurting my credit when they stay maxed out. Preventing me from getting better rates and increasing my limits. My goal is to use this loan to have the money on hand instead of using credit cards. I also need to fix a couple trucks.

I NEED MONEY TO FINISH REPAIRS ON AN INVESTMENT PROPERTY SO I CAN PUT IT ON THE MARKET.

I am a 63 year old professional business owner who is self employed for the past ten years. While my credit card debt is on the high side, I pride myself in rarely being late on payments for anything, and that includes mortgage, car loan, or credit cards. My FICO score last month was 690. I would like to payoff a couple of credit cards and reduce the interest rates currently being charged by a couple of major banks. I would like to borrow between $20,000 and $25,000 to payoff 3 cards and do that in 36 months or less. Thank you for the consideration.

I own my own business. We are a contract packaging company in California. I read the article in the L.A. times last Sunday regarding your rates verses a standard bank so I thought that I would give it a try before I bring this to my bank. The money will be used for working business capital only. We care in a growth stage but could use the capital for the expenses that we foresee.

I would like to borrow to cosolidate my car loan, a personal loan and credit card loans.

I am looking to pay down some of my debt to a more manageable level. I have no lates on my credit report. I am currently close to being maxed out on my cards due to the current real esate market which put a damper on my plans to sell a second home I own.

Looking for a loan to consolidate high interest debt.

To complete a backyard project of a paver patio and walkway with fence and landscaping around my pool.

in coming spring and summer i like to expand my construction company. i need a van and some money to buy construction equipments.

I just got promoted and would like to impact my debt.

I retired from the military just over a year ago and had to pay for some very expensive helicopter flight training in order to qualify for my current employment. I also incurred some unexpected dental and educational expenses for my wife and daughter. I am currently paying 24.98% interest on a line of credit with Bank of America that originally began as a 0% interest credit line with MBNA. I would like to see if I can get a loan at a lower interest rate to pay off this balance.

Have some credit cards with higher than 20% rate and regardless of my timely payments they never come down on interest. I guess they really need to get down. I am very responsible payee.

I will pay off smaller loans with higher rates that will allow me more living income for growing costs in electricity, gas and food. I need to get the budget under control. Right now too much of it is going out. I make good money, but have gotten myself over extended. Planning to have surgery in April and I hope to have finances under budget so that will be one less worry.

I would like to consolidate debt and pay taxes

I am consolidating my credit cards to get out of debt

Good day, I would like to consolidate credit card debt at a lower interest rate. I WILL be debt free in 2 years.

I am buying a house that needs to be fixed up before I rent it out. The house is 20K including taxes and fees. It needs windows, a new roof, floors, paint and some yard work which might be another 10K as my brother is licensed to do the labor and does not charge me much. I have 20K set aside for this which should be more then enough to get it ready to be rented out. I have been running ads for renters and seem to have lots of good ones willing to pay at least $1000 a month and similar houses are renting for $1300. Very similar houses on the same street are selling for over 100K where after fix up I should be able to mortgage the house being appraised well over this loan and at lower rates to pay you back with. If I can't mortgage it, sell it or rent it out I will just have to sell some of my stocks to pay off this loan either way your money will be returned soon.

I have a home in Boynton Beach Fla., 33436, which is currently occupied by our tenants. They have been in the house for 1.5 years and have expressed an interest in buying the home, but due to the South Florida Real Estate market, and the huge amount of forclosures taking place they are having trouble securing a loan. Although we have nearly 100 K in equity, even at today's reduced property values. When we attempted to obtain a home equity line of credit, we were refused because our debt ratio's were too high. Our hope is to obtain a home equity type loan through the Lending Club, which we can use to address some maintenence issues (roof) with the house and prepare it for appraisal and sale. The value of the property will easily serve as collateral for the loan. Thank You

I am requesting a loan to pay off two outstanding debts, one medical, and one with an interest rate/APR in excess of 25%.

Getting married this Fall and need extra funds for the budget. Groom is in grad school currently and can't really assist.

My wife has just started a small but instantly profitable venture to bridge the gap in our finances. I have been struggling to take care of some short-term cash outlays, so I am looking for a small loan to cover those outlays and also finance my wife. She is alreay making money and we will be much more solid within the next 60 days to a point where I can pay down debt dramatically. I appreciate your assistance.

I need to consolidate some high-interest credit credit card debt.

I would use this money to pay off high rate card cards. Card #1 - Bal = $1,273 Int = 28.99% Card #2 - Bal = $1,933 Int = 28.99% Card #3 - Bal = $1,470 Int = 19.99%

I'm trying to eliminate a few cards that are in the high 20% interest rate. The cards were originally used at a low rate when a friend and I were rehabbing a house, however some unexpected expenses came up during the rehab (as they always do), and with that my balances went up, along with my rates.

I would like to go back, and update my office skills so I can get a better paying job.

The purpose of this loan will be to consolidate home improvements that were purchased on a credit card

consolidation credit card,medical expenses and personal payday loans into one loan.

Need to make car improvements.

In need of a small business loan to purchase some more equipment for my seamstress business. My credit is very good and the loan will be paid off sooner then the loan term.

I have been a practising attorney in New York City since 1984, with a practice that focuses on mergers and acquisitions, corporate finance and corporate, commercial and regulatory representation in the communications and media sectors. After twenty-four years of practice in a large law firm environment, I decided to form my own law firm. My recent historical client billings have averaged between $2.4 million and $3.2 million per year. Given the economic downturn, I am making a very conservative annual legal practice business model assumption of $1.5 million - $2.0 million in revenues and no more than $300,000 of overhead. I typically work only on retainer, and thereby avoid realization and collection problems. The loan would be used for cash flow balancing. Thank you for your consideration and attention.

Hi, I'm Matthew. I am 21 years old and I recently graduated with a bachelors degree. I am currently interested in purchasing a condo for myself and having it for long term investment. I think it is crucial for me right now to start thinking about life down the line instead of waiting. I have my eyes on a really inexpensive unit that is $50k but I would need some money towards a 20% down payment and making some improvements. Thanks Matt

This is a degree program at Eastern Michigan University.

Loan needed for a short term of 12 months to cover expansion and growth of new business.

Our current business name is Premier Pets and has been in business for 4 years. I purchased the business in Feb 2009 because it was doing around $500k per year in gross sales and decent cashflow. I knew I could increase sales and the overall client base if only I had the right image and location. Thus, rebanding the name to Hollywood Premier Pets and expaning the current location from 1800 sq ft to 2500 sq ft. The new location will have a 1920's Hollywood art deco look and feel. However in the middle of construction and fixture development, our lender backed out of the loan/lease. Feel Free to check out our website www.hollywoodpremierpets.com or call me with any questions. Looking forward to your help.

Hi -- reinstating my loan request. Our accountants had not yet finished our personal taxes (we filed extensions) at the time of my last loan request, so despite the number of people interested we couldn't move forward. This is now completed, thankfully. So here's the story: My girlfriend and I run a small but growing fashion company. We want to keep growing, and are soliciting investors. At the same time, we'd like to put some more money into the business as well, and increase the equity. You can help us increase our equity by lending to me. Our business has been around for four years here in Brooklyn, and has been profitable for the past three years. We operate two store locations in Manhattan and Brooklyn, and sell on our website. We offer a wide range of products, from handbags and clothing to shoes and accessories. We look forward to 20-30% growth this year, and the money we receive will help us toward that goal. Thank you for your time.

555238 added on 10/12/09 > I am retired from my first career with a pension, and have started a second career. My wife had been one of the fatalities of the recession and has been unemployed for a number of months so we thought rather than look for a job at a fraction of the last wages paid, we would put our efforts into starting an ecommerce store. She has been putting this together the last few months and we would like to have a small business loan to continue optimizing the site and advertising it in the various media to promote web traffic to it. My pension does not end, and my current job is secure, so repayment will not be a problem.

560782 added on 10/21/09 > Thanks for lending

567538 added on 11/04/09 > I would really like to pay off debt with this money and be debt free in three years. This payment will free up money so that we can pay for my sons college expenses without using credit cards. 567538 added on 11/04/09 > I have run some numbers and have figured that this money will save me approximately $500.00/month. Please take into consideration that we have never been delinquent on payments.

568592 added on 11/04/09 > The purpose of this loan is to increase and maintain our business operations at the family business which has been operating for over 20 years. The loan proceeds will be use to purchase inventory which will be used to make final finished products for our long established customers. The business is a small manufacturing company. We currently need additional funds in order to continue operations without having to turn away customers who rely on our quality products. This loan is safe and sound because I currently do not owe more than $450.00 to any company or person combined. This will be the only major loan that will be on my name. I am responsible and able to solely repay the loan back in its entirety. I have a brokerage account with an average amount of $12,000.00. My monthly expenses are below my salary income. I have a checking account with an average balance of $4,000.00. I continue to live a lifestyle below my financial means and will continue to do so.

573933 added on 11/13/09 > I plan to use these funds to start up by business. Equipment, supplies, and initial payroll. My business will stabilize after the first few months once residual income kicks in. I have a solid credit history, no late pays in the last 3 -5 years. My monthly budget is $13K of gross income, which puts me in a good position to payback, however, startup expeses are high, therefore I am needing capital. Job is stable. I've been working for a leading insurance company for over 8 years, and recently decided to become an agent/broker for the same insurance carrier. I am willing to provide income documentation. I am a serious borrower, low-risk. Appreciate your consideration in this loan investment. I am more than happy to answer any specific questions.

584314 added on 12/03/09 > I own Metalcraft Fabrication and we specialize in high architectural fabrication and stainless steel tank fabrication for small breweries. This year has been slow for architectural prompting us to start building beer tanks. In our first year as tank builders (2009) we have built tanks for 6 of the 32 breweries in Portland. Breweries are growing and so is our business. Our gross revenue is close to being triple that of last year. The $20k borrowed would help with cash flow issues we are experiencing toward the end of large projects.