Abstract: Methods, systems, and apparatuses, including computer programs encoded on computer-readable media are disclosed for processing microloans. A network-enabled microloan computing system receives microloan applications that include identifying customer information and a desired loan amount. Information relating to the risks of issuing a microloan to a subject customer is collected and used to generate at least one microloan option containing a set of microloan terms. The customer can select among available microloan options and provide debit card information to the microloan computing system, at which point the microloan computing system can authorize the selected microloan to issue.

Abstract: Methods, systems, and apparatuses, including computer programs encoded on computer-readable media are disclosed for processing microloans. A network-enabled microloan computing system receives microloan applications that include identifying customer information and a desired loan amount. Information relating to the risks of issuing a microloan to a subject customer is collected and used to generate at least one microloan option containing a set of microloan terms. The customer can select among available microloan options and provide debit card information to the microloan computing system, at which point the microloan computing system can authorize the selected microloan to issue.