Abstract: This invention relates to a system and method for approving, depositing and disbursing a credit in a fast and agile manner. The method in this invention comprises a stage i) of receiving at a first server a request data generated on a computing device connected to the first server when a user enters a selection command associated with a type of credit. Moreover, the method may include a stage ii) of obtaining at the computing device a user identification data provided by the user and a sub-stage ii-a) of transmitting the user identification data to the first server. Furthermore, the method may further comprise a stage iii) of obtaining via a second server a scoring data packet comprising a user history and profiling data, wherein the second server is configured to extract the user history and profiling data from one or more databases.