Embodiments of an online credit application system are described. The
online credit application system displays a solicitation page requesting
user credit score information and a selection of desired loan products.
The user credit score information comprises a user's characterization of
their own credit score. The system can be configured to obtaining the
credit score for the user if the user does not provide the credit score
in response to the solicitation. In response to the user's inquiry and
information, the system displays a list of available loans based on the
credit score and the selection of desired loan products. The user then
selects a loan from the selection of desired loan products, after which
the system requests user identification information to verify user
qualification for the selected loan. Upon provisional qualification of
the user for the loan product, the system obtains an actual credit score
for the user based on detailed personal information of the user. It then
transmits the user information to a lender and provides a transaction
reference number to the user.