Abstract: Disclosed is an approach for dynamic loan origination that separates objectively easy-to-approve loan applicants suitable for automated, streamlined, and fast-tracked loan origination for real-time loan approval (which comprise the majority of loan applications) from applicants that may be declined or may require special consideration for approval or decline (for which traditional non-real-time loan origination processes are better suited). In operation, the separation of the objectively easy approvals from the possible disapproval may be performed by a third-party non-lending pre-origination provider that is distinct and separate from a lender.

Abstract: Systems and methods are disclosed for purchasing an item that typically requires financing, such as an automobile, online. The methods and systems integrate various online purchasing aspects to provide consumers with a single, one-stop solution for completing an online purchase. In one implementation, the methods and systems provide an online buying application that allows a consumer to apply for a loan online and to have a lender fulfill the loan substantially in real time online. The online buying application then allows the user to research and select a product online, and to find and contact a participating dealer of the product online. The participating dealer may then interact with the lender directly online to complete the purchase of the product. The online buying application may also automatically process any documents connected to the purchase as well as apply any business rules to the purchase.