Systems and methods for streamlined purchasing are described herein. The method may include receiving application to finance an item, approving the application and providing a financial document to the customer which requires no further interaction between the customer and the lending institution. The method may alternately include receiving a pre-approved financial instrument from a merchant, and processing the instrument, where the instrument was presented to the merchant by a customer and executed at the time of purchase without further interaction between the customer and the lending institution.