Abstract: A method that includes a child application forwarding a transaction amount to a server, displaying a selectable user input to an end user, receiving a selection of the user input, and forwarding the selection to the server. The selection indicates the end user has an interest in applying for transactional financing. The child application receives, from the server, a credit application for transactional financing, which has a duration and a fixed interest rate. The child application submits the credit application, which identifies a payment method, to the server. The server determines whether to approve the credit application, establishes an account when the credit application has been approved, pays the transaction amount from the account, and automatically pays a loan amount to the account using the payment method after the duration. The loan amount is equal to a sum of the transaction amount and the fixed interest rate.