Abstract: The invention provides an automated system and method for providing a loan to a consumer. A loan request is received from a borrower. In response to receiving the loan request, non loan revenue associated with the borrower is determined. At least one loan term for a loan for the borrower is determined, based, at least in part, upon the non loan revenue. The method is carried out by analyzing information related to consumer purchases associated with the borrower. An amount of non loan revenue to be associated with the borrower is based, at least in part, on the information about consumer purchases.