Abstract: A system and method for providing a financial product using customer product criteria are provided. The method provides for providing a financial product to a customer. The method includes receiving a customer profile associated with a customer. The customer profile has customer preferences and customer personal information. The method also includes obtaining customer credit information using the customer personal information. The method further includes generating customer product criteria using the customer profile. The method additionally includes providing the customer credit information and the customer profile to one or more financial institutions. The method also includes receiving one or more financial products from the one or more financial institutions. The method further includes matching the customer with one or more financial products by comparing the one or more financial products to the customer product criteria.

Abstract: A system and method for providing credit to a customer based on preliminary use of an account indicating that the customer is a good credit risk by providing to a customer an offer for a preliminary account associated with an action, facilitating a loan transaction between the customer and another party, receiving value from another party to initially fund the customer's preliminary account, providing the preliminary account to the customer, monitoring the preliminary account for the at least one predetermined action, repaying the another party the value received to initially fund the customer's preliminary account, and providing a credit account to the customer based on performance of the action.