the present invention relates to a system implemented in a computer for providing financing via a communications network . the system includes : a computer comprising a processor ; a memory coupled with the processor and a network interface coupled with the processor and the memory and with the communications network ; user interface logic stored in the memory and executable by the processor to receive an identifier associated with the customer via the network interface ; status level tool logic stored in the memory and executable by the processor to determine , in conjunction with the user interface logic , a customer status level associated with the identifier ; credit amount tool logic stored in the memory and executable by the processor to determine , in conjunction with the user interface logic , a credit amount available to the customer for applying to a purchase of a good or service based on the customer status level ; and purchase tool logic stored in the memory and executable by the processor to permit , in conjunction with the user interface logic , the customer to apply the initial credit amount to a purchase of a good or service .