Abstract: A method and system for efficiently providing loans based on the repayment capacity of a customer for providing a customer with one or more repayment options for a loan that satisfy a repayment capacity for the customer. The method and system for efficiently providing loans based on the repayment capacity of a customer generally includes calculating a repayment capacity for a customer, providing the customer with a payment card, selecting an item for purchase by the customer from a merchant, requesting a loan from the issuer by the customer, determining if the customer has sufficient repayment capacity, providing the customer one or more repayment options that satisfy the repayment capacity, selecting a repayment option by the customer and transferring funds from the issuer to the merchant for the purchase amount.