Abstract: A system for aggregating a plurality of credit providers to provide credit to at least one consumer comprising a consumer device comprising an identifier associated with the at least one consumer; a central facilitator arranged to receive a request for credit from the consumer device; the request comprises the identifier associated with the at least one consumer; a whitelist database arranged in data communication with the central facilitator, the whitelist database further arranged to receive whitelist information from at least one of the plurality of credit providers; wherein upon receipt of a request for credit, the central facilitator instructs the whitelist database to compare the identifier with the whitelist information to determine if the at least one consumer is whitelisted, such that: if the at least one consumer is whitelisted, the at least one consumer is provided with a first electronic interface to complete an application for credit; if the at least one consumer is not whitelisted, the at least