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Secured loans must either be used to purchase a high dollar item with significant value, such as a car, or they must be used to refinance a similar item. This is extremely important to the consumers and the referring realtor partners. Thousands of students from all over the country responded with overwhelming enthusiasm and we were impressed with the designs submitted for Christmas cards and All Occasion cards. For that reason, we provide "Seasoned Returns", defined as the Return for Notes aged 10 months or more. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. In September 2011, an independent accountant examined and attested to Prosper Marketplace, Inc.'s calculation methodologies for measuring historical investment returns. Local Car Loan, FinancingIf you have good credit, you're a perfect candidate for finding a personal loan through Prosper's loan market. Second, it makes it harder to repair her credit rating. 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