Platform as a service (PAAS) and software as a service (SAAS) for enabling the financing of consumer transactions; Platform as a service (PAAS) and software as a service (SAAS) for promoting financing options to consumers; providing on-line non-downloadable computer software for facilitating the financing of consumer transactions; providing on-line non-downloadable computer software for facilitating the financing of purchases at the point of sale; providing on-line non-downloadable computer software for promoting financing options to consumers.