Systems and methods of completing purchase transactions that include a loan are disclosed. A system includes an account database configured to retrievably store information relating to at least one account associated with at least one customer and a network logic configured to enable the system to exchange information over a network. The system further includes a transaction processing logic, which is configured receive a loan application, generate a plurality of loan terms for the loan application, receive a related transaction package, tender a purchase price according to the transaction package, and set up a corresponding loan in an account database.