A method of processing a customer transaction may include receiving an estimated purchase amount and merchant identity information defining a future purchase from a customer, providing loan terms associated with one or more financing options corresponding to the defined future purchase, responsive to the customer agreeing to terms on a selected financing option, storing the financing option in association with the estimated purchase amount and the merchant identity information, responsive to receiving an indication of a transaction between the customer and a merchant, determining whether the transaction maps to the defined future purchase, and originating a loan to finance the transaction in accordance with the selected financing option in response to the transaction mapping to the defined future purchase.