Abstract: A method provides a cash rebate in a loan program of a financial institution using a computer having a memory device. The method includes maintaining, in the memory device of the computer, for a borrower, a borrower information file, including a contractual loan payback schedule based on an interest rate calculated in accordance with a current credit score of the borrower, a principal amount, a initial interest amount, and a loan term. The payback transaction data is stored in the memory device of the computer during the loan term. The transaction data is compiled as a payback record at the end of the term. A final credit score is calculated in accordance with the quality of the payback record as related to the payback schedule. A new interest amount is calculated based on the final credit score. A cash rebate is issued to the borrower as the difference between the initial interest amount and the final interest amount.