Abstract: Intelligently determining terms of conditional finance offers is described. In an example, a computing device can generate, at a first time, a finance offer for purchase of an item from a merchant, wherein the finance offer is conditional on satisfaction of a term of the finance offer. At a second time, the computing device can determine whether to modify the term of the finance offer. The computing device can determine whether the term or the modified term of the finance offer is satisfied and can finalize the finance offer after the term or the modified term of the finance offer is satisfied, wherein finalizing the finance offer enables a buyer to purchase the item from the merchant using funds associated with the finance offer.

Abstract: Some examples include providing an application for installation on a user device of a user of a payment service, and receiving transaction data associated with transactions of the user. A request to finance a transaction for the user is received via a user interface of the application. Based on the received transaction data, terms for financing the transaction are determined, with one term including a down payment to be satisfied prior to the user receiving the financing. The financed funds are accessible via a payment instrument that is initially associated with a locked state. After the down payment has been satisfied, the payment instrument is unlocked and becomes usable in the unlocked state. A payment request associated with the transaction includes payment data associated with the payment instrument. Based on receiving the payment request, the financing is issued and a repayment schedule is generated based on the terms.

Abstract: Techniques described herein are directed to lending products with different repayment mechanisms. In an example, indication(s) of purchase(s) made using a payment instrument associated with a first lending product can be associated with a first data structure, wherein the first data structure is associated with a balance determined based at least in part on the indication(s). Based at least in part on determining that the balance exceeds a predetermined threshold, a portion of the balance can be associated with a second data structure associated with a second lending product, wherein the first lending product and the second lending product are independently associated with different repayment mechanisms. The portion of the balance can therefore be repaid via a repayment mechanism associated with the second lending product.

Abstract: Some examples include providing an application for installation on a user device of a user of a payment service, and receiving transaction data associated with transactions of the user. A request to finance a transaction for the user is received via a user interface of the application. Based on the received transaction data, terms for financing the transaction are determined, with one term including a down payment to be satisfied prior to the user receiving the financing. The financed funds are accessible via a payment instrument that is initially associated with a locked state. After the down payment has been satisfied, the payment instrument is unlocked and becomes usable in the unlocked state. A payment request associated with the transaction includes payment data associated with the payment instrument. Based on receiving the payment request, the financing is issued and a repayment schedule is generated based on the terms.

Abstract: Intelligent bundling of multiple loans is described. In an example, server computing device(s) can receive a request for a first loan to enable a buyer to purchase a first item from a first merchant and can generate the first loan based at least in part on determining that the buyer purchased the first item. The first loan can be associated with a balance based on an actual purchase price of the first item. The server computing device(s) can determine to bundle repayment of the first loan with at least a second loan, and based on determining to bundle repayment of the first loan and at least the second loan, the server computing device(s) can repay at least a portion of the first loan and at least a portion of the second loan via a single payment from an account of the buyer.

Abstract: Using a source of funds for multiple events associated with a finance offer and subsequently issued loan is described. In an example, a computing device can generate a finance offer for purchase of an item from a merchant, wherein the finance offer is conditional on satisfaction of a down payment term of the finance offer. The computing device can receive, from a buyer, payment information associated with a source of funds for satisfying the down payment term of the finance offer and based at least in part on a determination that the down payment term has been satisfied the finance offer can be satisfied. In an example, the payment information, and the source of funds, can be involved with at least one other event associated with the finance offer or a loan generated responsive to finalizing the finance offer.

Abstract: Intelligently determining terms of conditional finance offers is described. In an example, a computing device can generate, at a first time, a finance offer for purchase of an item from a merchant, wherein the finance offer is conditional on satisfaction of a term of the finance offer. At a second time, the computing device can determine whether to modify the term of the finance offer. The computing device can determine whether the term or the modified term of the finance offer is satisfied and can finalize the finance offer after the term or the modified term of the finance offer is satisfied, wherein finalizing the finance offer enables a buyer to purchase the item from the merchant using funds associated with the finance offer.