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Platform as a service (PAAS) featuring computer software platforms for enabling the financing of consumer transactions; Platform as a service (PAAS) featuring computer software platforms for promoting financing options to consumers; Platform as a service (PAAS) featuring computer software platforms for use by merchants, banks, and lending institutions for providing consumer loans; Providing temporary use of on-line non-downloadable software for facilitating financing of purchases at point-of-sale; Providing temporary use of on-line non-downloadable software for consumer and merchant use to enable the financing of consumer transactions; Software as a service (SAAS) services featuring software for enabling the financing of consumer transactions; Software as a service (SAAS) services featuring software for promoting financing options to consumers; Software as a service (SAAS) services featuring software for use by merchants, banks, and lending institutions for providing consumer loans