Abstract: A method of processing a customer transaction may include receiving an estimated purchase amount and merchant identity information defining a future purchase from a customer, providing loan terms associated with one or more financing options corresponding to the defined future purchase, responsive to the customer agreeing to terms on a selected financing option, storing the financing option in association with the estimated purchase amount and the merchant identity information, responsive to receiving an indication of a transaction between the customer and a merchant, determining whether the transaction maps to the defined future purchase, and originating a loan to finance the transaction in accordance with the selected financing option in response to the transaction mapping to the defined future purchase.

Abstract: A method for providing an interface to a user in relation to extension of a loan to the user may include receiving user information associated with the user and transaction information associated with a transaction of the user with respect to a product or service offered by a vendor. The method may further include, responsive to a credit extension decision with respect to a financing option based on the user information and the transaction information, generating one or more credit offers to present to the user, and, responsive to user selection of a selected credit offer, generating a composite disclosure comprising a first section including payment details for pay back of a loan associated with the selected credit offer and a second section including legal or required disclosure materials associated with the selected credit offer.

Abstract: A method of processing a customer transaction may include receiving an indication of a transaction between a customer and a vendor, checking an account status of a primary account of the customer at a customer bank, and determining, within a predetermined time of the indication, whether to accept or decline the transaction based on the account status. The method may further include, if the transaction is accepted, authorizing a transfer of funds to the vendor and communicating with the customer to determine whether to settle the transaction or handle the transaction as an installment loan to the customer.