Abstract: A method and system for processing an application for a financing product for a user in an electronic financing system, by a) authenticating the user by verifying identification and validation responses presented by the user at a computing device; b) transmitting a passcode to the authenticated user; c) providing a digital agreement document associated with the financing product for display to the authenticated user at the computing device; d) verifying a passcode entered by the user to electronically sign the digital agreement document, against the transmitted passcode; and e) if the entered passcode is verified, registering an approved financing product for the user in the electronic financing system.