Systems and methods for making installment based credit purchase. A consumer may access a network interface to see how a contemplated purchase will affect their existing obligations on the account under a variety of repayment options. When approving a purchase request from a retailer, the system will determine if the purchase qualifies for installment repayment based on price and type of product/service. If the purchase qualifies and if the consumer's account will support the purchase, the user will be presented with a variety of repayment options. The purchase will be authorized at the selected repayment option.