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Due to a lack of personal finance education and exposure to poor financing skills growing up, I was easy prey for credit predators. I am devoted to becoming debt-free and can assure my lenders that I will pay on-time every time. I have never missed a payment during the last 16 years that I have had credit.

Looking to sure up a few debts for consolidation, this will close out a couple credit card debts. Not looking for a ton of money, just got a raise in my current fulltime job, to help pay.

Just want to pay off the last bit of credit card debt at a better rate.

I need to payoff my highest rate credit card debt with a lower interest loan. I want to payoff as much as possible and then close the CC accounts. I know that closing the CC accounts may hurt my FICO a little in the short run, but I want to close them nevertheless. Purpose of loan: Payoff highest-rate credit card debt, which is currently 28-31.5%. Getting another loan with a lower interest rate will improve my monthly cashflow. My progress: Today I have 14 credit lines with a revolving credit balance of 150K and utilization of 99% (result of recently paying down 2 CC accounts anc closing them). My financial situation: I have accumulated too much credit card debt and continue to work to pay it all off. I have a perfect payback history: no missed payments or delinquent accounts. My payback history in my credit files is perfect, but I have let some credit card rates get too high by some inattention on my part. I opened some credit cards with low introductory rates on balance transfers but because I was late on a couple of the payments by literally 1-3 days, the credit card companies jacked up the rates. Those initial low interest rate offers (e.g., 0 to 3.99% for 12 months) for balance transfers were tempting, but came back to haunt me. My credit rating/score looks poor becasue of my high percent of borrowing vs. limit. I've always paid back and will continue to. I have no delinquencies or negatives on my credit reports and I'm committed to it staying that way. Any form of negative mark on my credit report is not an option for me. If my loan is funded, I will immediately pay down my highest interest debt . I'm fortunate to be in a situation where I'm earning a good income, but need to get my high-rate credit card debt eliminated in the short term, and continue to work to be free of all credit card debt in the next 3-4 years. Respectfully requesting your help. Monthly net income: $ 9,500.00 Monthly expenses: $ Housing: $ 4000 Insurance: $ 200 Car expenses: $ 1000 Utilities: $ 200 Phone, cable, internet: $ 200 Food, entertainment: $ 400 Clothing, household expenses $ 150 Credit cards and other loans: $ 2500 Other expenses: $ 350

If funded, I would use this loan consolidate two loans with interest rates of 15 and 16 percent respectively. I have no mortgage. One car is paid for and the other I bought from my sister. I pay her $200 / month. I owe her about $1000. The biggest monthly expense we have is tuition for two kids going to Catholic School, ($600 / month). I have been on the same job since 1990, with a salary of $54,000. My husband has been on the same job since 1995, with a salary of $30,000. My monthy expenses run about $2750. Borrower added on 03/11/10 > We have really worked hard to clean up our credit during the past five years. We are really wanting to use this loan to continue that by paying off higher interest loans with this loan.

I currently have a personal loan with Citifinancial that I have a high interest rate on I need 7000 to pay this off. I also have 3 other creidit cards I would like to pay off with this loan to get this into one easy payment. 139635 added on 11/04/09 > Having one monthly payment will be a lot easier instead of making multiple payments to different companies. I have paid all of my bills on time

Hi : Thanks for stopping by. I've accrued close to $30,000 expenses while finishing masters degree in computer science. Now i've a very good job and paying off one card by another. I want to consolidate all the debt at low APR and get rid of all the high APR cards. Thanks -N

I am seeking to refinance a credit account which I closed with a balance when I rejected the new terms of the cardmember agreement. This closed account is adversely affecting my credit utilization percentage and I would prefer to move it to a fixed-rate loan. I am a software developer who has been in a stable position with the same company since 2004. I am up-to-date on all payments and am seeking only to reduce the interest rate of this debt. Thank you for your consideration.

I am searching for a lower rate. I am very trustworthy and pay my bills on time but my debt ratio has been a little high over the years and my credit card rate has gone wild! I would rather see the common man get my money than the banking industry so here I am. Borrower added on 02/06/10 > I will have all credit card debt eliminated in under two years.

This loan is for the purpose of gaining legal custody and visitation rights for my daughter. I want to hire an attorney of quality that will help me obtain my goal. My daughter lives in another state and I just want what is my mine legally and naturally as her father. I love her very much, she is 5 years old and also loves me very much.

I am organizing my finances for 2009 and I would like to consolidate all my credit card debt at a better rate than what I am currently paying

I'm in a similar position to many people. In this tight credit market I find it difficult to qualify for a traditional consolidation loan. I make a decent wage ($75K) and have a good DTI ratio. I have been in the USA for 10 years now and my credit history is not extensive enough according to most lenders. I also have 1 negative item on my credit file that is preventing me from qualifying for more traditional financing. I take great pride in paying all my debt obligations on time. Thanks in advance for your consideration.

About me: I'm a young, ambitious, and excited student, father and future husband. The most important things in the world to me are my fiancee and her daughter, whose second birthday party I just had the pleasure of attending last month. I have a good job that I enjoy. I love to travel, speak foreign languages, and play the piano, and I'm a proud math/computer geek. Purpose of loan: I'm finishing school! Since graduating high school in 03, I was a full-time student for two years, a half-time student in Germany for one semester, and part-time or no-time for the rest. Part of the reason is financial, part of it is personal, but all of it is behind me and I'm ready to commit to a non-stop trip to Diploma Town. And I want you to come with me! I don't want this to be an impersonal "you give me money, I say thanks and make payments" kind of thing. I want you to get to know me, and see what your money is doing! Through a blog I promise to update regularly, you'll get to see the positive impact you're having on me and my family, and I'll also be happy to share news of my academic performance so you can see you're not throwing the money away on some loser. Maybe we could even turn this from just an investment into a friendship. By funding this loan, you are saving me from working 80 hours a week, giving me time to focus equally on my job and education, with plenty left over for my family. I have just been accepted as a transfer student to the University of Illinois at Springfield, to pursue a B.A. in Mathematical Sciences. I will need 49 credit hours to finish. By my calculation, the total cost will be approximately $12,500 including books and fees, of which I am seeking 30% with this loan. I will be beginning in June with a scheduled completion in May 2010. My goal is to break into the actuarial profession. If you're unfamiliar with it, actuaries are basically paid very well (often six figures) to predict the future--that is, calculate risk, particularly associated with insurance. It's a very important, but reportedly very low-stress profession. The latter is critical to me, because I want to spend as much time as possible with my family. My financial situation: My fiancee and I both work full-time. I have a well-paying job as an entry-level manager for a construction company, and she's a barista (caffeine dealer). Our expenses are low for our area--we live in a duplex and both of our cars were pretty used when we got them. She takes care of most of the cost of food as well as diapers and such. I pay the bills, as you'll see below, except for rent, which is split between us. Although money from both sources will be probably be used to pay back this loan, and some cuts will be made from the budget listed below, I have listed only my own income and itemized my spending as of now. My relatively weak credit score is a reflection of my high debt-to-income ratio, caused by a Stafford loan and a couple of credit cards to which my medical equipment and a trip to visit family in Philadelphia were recently charged, as well as a signature loan we used to fund our recent move and a mass of doctor?s bills and auto repairs from last year. All of that is now resolved and we are paying everything down, and I?ve never missed a payment on anything.

Hello, I am being slammed by many monthly payments. I do not have trouble paying them however the balance does not seem to do down. I would like one loan with one payment to make life easier and pay this debt down forever.

We currently have one car that is 19 years old and one that is 8 years old. The 19 year old car, which is the car my husband drives to his job at a local university, was just given about a month to live by our mechanic. We've gotten an amazing amount of use out of it but we will need to be sure to get a reliable vehicle before that one gives out. We hope to be able to donate it with some life left in it to a local non-profit. That is what we have done in the past with our old cars. Our mechanic will help us find a used car in great shape for around $10,000. We have saved about half of that but we really need to make a purchase soon. It would be fabulous to get a loan for a lower percentage rate than what our credit union offers. Currently that is probably about 11% for older vehicles. Thanks for considering us.

I would like to consolidate a WAMU card that I have chopped up into little pieces to get a better rate so that it will not take so long to pay off. I was just notified that as of June 1st the APR will be going up to 33% from 11.99%. I dont understand why. I have never been late with it and never gone over credit limit. Always pay more than the minimum. Im trying to lower my rate so that I dont have to pay for 5 more years and double the amount back. Thanks for considering me!!

This money would be used to finish a remodeling kitchen project.

Consolidate credit card debt. We are not in dire straights, but I'm taking steps to make sure we stay that way. The reduced payment will allow us to throw a little more at the emergency fund. We recently refinanced our home (fixed 6.25%) and this is the next step in managing our cash flow while paying off debts. Thank you for your time and consideration.

I would like one low monthly interest payment to get rid of debts occurred during years after college. I now have student loans and car paid off and want to focus on this.

I would like to pay off all credit cards and revolving account

I am asking for this loan to consolidate some of my debt and to start a unique website geared to the disabled community. Borrower added on 07/29/10 > I am a disabled father of one boy. We both live with my parents and with my monthly disability check ,I will easily be able to pay this loan back.

I am a 33yr old married man with a wonderful wife, 2 beautiful children and a good job. My wife makes sure all bills are always paid on time. I am originally from India and came to US when I was 17. I built my American dream through hard work, education and careful planning. Over the last 3 years however, while trying to support my brother and parents during their financial distress, I over extended my own family finances to the point where we are unable to save for our kid's future. I am wanting to consolidate my very high interest credit cards that I pay on time into some lower interest loans. We have over 36 accounts on our credit history in great standing and no negative credit. I just want to get some help with consolidating our credit card debt so we can just get back to normal and save money for our kid's future. We really need a total of $22,000 to consolidate all liquid debt. I welcome all inquiries and willing to pay a good interest rate in return.

Minor home improvements, medical bills.

I have a current balance on my Advanta account. My interest rate is 7.99%. If anyone can beat that rate, I am interested in a loan. 252415 added on 10/18/09 > Above account is paid in full. Using this loan to payoff Schwab account balance.

I'm seeking capital for my investment business. I make 3-4%/month return on my assets (since July '08). I'm seeking more capital so that I may reach my goals sooner. This loan will be paid back as soon as possible, probably within one year. I am a good candidate for this loan because I'm wise with money. I know how to use money to build money. I have a day job as a computer programmer as backup to pay back the debt should something happen with my investments. I have borrowed from p2p sites before and paid back the loans. I believe in this way of helping people out. On top of that I have excellent credit. Thank you very much for your support.

Long story short, the end of college and the few months that followed left me using my credit card a little more frequently than I would have liked. I am looking to shed the cards high interest rate so more of my hard earned cash can go towards principal. ... and now for the long version... Due to the way the units fell I had to pay for the final semester of college out of pocket. I was going to a private school and the cost per credit was quite high. After graduation I was searching for a job for about a month or so before I had found one. The job I found required me to relocate from California to Texas. The company was supposed to reimburse me for moving expenses however it didn't quite work out that way. After I got there I realized that the company wasn't for me. I also felt that there were too many things left behind back in California that were important to me so I returned home. I've been working a "transitional" job for the last few months while searching for another job in my industry. I've recently found a few promising leads and hope they work out the way I think they will.

I want to be able to pay off all my credit cards, as quickly as possible with one payment.

Want to buy a Harley Davidson Motorcycle

I need a loan to cover moving expenses such as buying new furniture, deposit on the apt etc.

Taking advantage of excellent credit to pay off credit card

I am looking to consolidate high interest credit cards.

Purchasing land for mining purposes in Africa. Land contains precious metal which would be a good investment. Land surveyed and is verified to contain mineral. Need money to complete purchase.

Looking to pay bills with a lower rate and try a new type of lending. Please note my perfect credit history and ability to pay the account. Many Thanks Heather

I would like to pay off higher rate credit card

I made some mistakes with high interest credit cards and I am now trying to fix the problem I put myself in.

Make good money but I would like to pay off and get rid of the high interest credit cards and that evil dell account. Borrower added on 05/15/10 > No Delinquencies. Have never missed a car payment. Borrower added on 05/15/10 > Length of Employment: Almost 4 years Borrower added on 05/28/10 > I am an IT Manager. I am the only IT Manager at the site so my job is very secure. Thank you =)

Would like to pay off debt from home renovations that i made.

We have owned and operated a year round greenhouse/nursery, organic food processing operation in the the central Michigan area since 1990. Last season we had the opportunity to purchase 12,000 square foot of 4 year old greenhouse space, and we are seeking "investors" who would be willing to help us with reconstruction costs, so we will have the added greenhouse space for organic, sustainable, local food production. We also intend to make equipment upgrades to our commercial processing kitchen.

Hello friends, I am trying to pay off couple of credit cards which has raised the APR recently, increasing my monthly payments Thanks Sunny

Purpose of loan: This loan will be utilized to pay down existing high interest credit as we work to establish equity. I have NEVER been delinquent in paying any of my debt. My credit score is due to a high DTI ratio which I am working to turn around. My financial situation: I am currently an Area Director of Sales & Marketing in New Orleans, LA. Two years ago I accrued significant debt while traveling the world and generally "being single." Over the past year I have settled with my fiance, now wife, and have been in "repayment mode" since October 2006. I have wisely consolidated most of my debt with my employers federal credit union and am making progress so we may purchase our first home in 2008. I am financially stable with a solid employment record. Monthly net income: $6,000 Monthly expenses: Housing: $400 - Wife (also employeed and earning $100,000+) currently manages the rent and most household expenditures so I may payoff our debt. Car expenses: $500 Utilities: $150 Phone, cable, internet: $75 Food, entertainment: $400 Credit cards and other loans: $2600

I have two credit cards with high rates that I would like to refinance at a lower rate. One card is with Citibank the other with American Express. Borrower added on 02/13/10 > I have one credit card with a high rate I want to refinance to a lower rate with American Express.

$3,900 of this loan is to pay for my daughters eye surgery. Insurance will not cover it and she is ready to have the procedure done. The balance is to pay for dental bills. I would love to say its for vacation and having a great time but, i can only wish that for now!! I sincerely appreciate everyones help ! Thank you.

i am looking to combined all my credit cards, and outstanding debt to one monthly payment

I would like a loan to consolidate 4 credit cards, and make only one lump-sum payment a month.

I need to make several improvements around the house - fix garage, fix back fencing, and misc other.

Hi, I'm buying a used car. Anybody on facebook wants to finance me? Thanks

I owe $4,350 in medical bills not covered by my health insurance. I charged it to my credit card and would like to refinance it at a lower rate.

I need to pay $2,100 for fixing my Volvo :) Any help appreciated!

I will be moving to Florida next month. This loan will help me pay for moving expenses. Thank you for funding me!

Thank you for viewing my loan request. I am asking for this loan to pay off 2 credit card balances. One has 700 on it and the other is about 1,600. I also would like to do some home improvements. I have owned my home for the last 1 1/2 years. I just found out that a need a new drainfield so that will be first on the list. I also want to paint the whole interior of the house in neutral colors. My last project is to replace the kitchen countertops with granite as the old ones are beginning to show wear. I have been self-employed for the last 9 years in a service business. My business has continued to grow and has great clients. I have no late payments or deliquencies on my credit report. I have paid my bills on time and take pride in that. Again thanks for viewing my loan request and know I will work hard to pay this loan back as I have with my other bills in the past.