Abstract: Methods of providing a loan are presented. Short term loans (e.g., payday loans) can not be rolled over automatically. Still, a roll over of a short term loan can be simulated. A lender server can be configured to provide a new loan application to a borrower. The borrower can submit the new loan application along with an electronic signature representing an authorization for one or more electronic fund transfers to payback the initial loan or to deposit new funds, less possible applicable fees, into an account of the borrower. Furthermore, the initial loan can be paid back by coordinating a payroll deduction with the employer of the borrower.

Abstract: Systems and methods of providing loans are presented. A borrower can obtain a loan where the loan is deposited into an account accessible through an account card. The borrower can participate in a transaction fee reimbursement program where transaction fees incurred through the use of the account card can be reimbursed, possibly by the lender of the loan.