Abstract: A machine-implemented method for generating financing offers to a customer is disclosed. A plurality of original loan variables, including an original periodic payment amount, an original loan remaining duration, an original loan balance, and an original loan interest rate for an open loan account associated with the customer is received. A proposed interest rate is derived at least partially from prevailing market rates, and a proposed remaining loan duration is received. A plurality of proposed loan variables, including a proposed periodic payment amount and a proposed payoff amount is generated from the original loan balance and at least one of the proposed interest rate and the proposed remaining loan duration. Proposed difference values are generated based upon a comparison of the proposed loan variables and the original loan variables.