Abstract: A computer system includes a processor, memory and one or more inputs. The computer system is programmed to carry out the following process. Data identifying a user applying for an on-line loan is received. A trust rating is determined as a function of the data identifying the user. Data is provided to a user device to present to the user a graphical control having a lower level, an upper level and a pointer moveable between the lower level and the upper level. The computer system selects the upper level as a function of the trust rating. Data is received specifying one or more selections made by the user on the graphical control including the final position of the pointer. A determination is made whether to provide a loan as a function of the data specifying the selections made by the user.

Abstract: There is provided, in accordance with an embodiment of the present invention, an apparatus, system, and method to provide substantially in real time personalized and/or customized consumer credit from multiple money sources into substantially any shopping basket or facility on the Internet or on a mobile network. In one embodiment, a consumer credit provider may provide supplementary or complimentary credit to enable an online purchase, in combination with existing credit sources, in a substantially transparent way, such that the user feels that only one transaction is taking place.

Abstract: There is provided, in accordance with an embodiment of the present invention, an apparatus, system, and method for generating a personalized online loan, including: a set of interactive product sliders being operable by a remote user using a GUI; a slider calculation system; and a slider calculation database including user credit data, wherein the database supplies user data to the slider calculation system to enable generation of personalized interactive product sliders.

Abstract: An apparatus, system, and method to provide substantially in real time personalized and/or customized consumer credit from a Credit Provider into substantially any shopping basket or facility on the Internet or on a mobile network. In one embodiment, a consumer credit plug-in is provided to facilitate consumer credit provision to a consumer at a destination Website, including a credit service system including a memory having stored thereon consumer credit provision related instructions and consumer credit related data, and a processor to execute credit provision requests or instructions; wherein the consumer credit plug-in includes a file with instructions to execute commands to enable said remote credit service system to provide credit product provision to consumers, substantially in real time.