Distributed system for custom financing

A system comprising:

• one or more processors configured by executable instructions to perform operations comprising:
• providing, by the one or more processors, financing to a user associated with a user account, wherein a predefined time period for repayment of the financing is associated with the financing;
• evaluating, by the one or more processors, transactions processed via a user computing device of the user to determine, based at least on the evaluating, that the user is either ahead of schedule or behind schedule to repay the financing according to the predefined time period for repayment;
• based at least on the evaluating and determining that the user is either ahead of schedule or behind schedule, dynamically adjusting, by the one or more processors, a rate of repayment for the financing so that the user is on track for repaying the financing according to the predefined time period for repayment;
• and
• sending, by the one or more processors, a communication to the user computing device to cause, at least in part, an application executing on the user computing device to present a user interface including at least one interactive element for at least one of accepting or changing the dynamically adjusted rate.

A non-transitory computer-readable medium storing instructions which, when executed by one or more processors, configure the one or more processors to perform operations comprising:

• providing, by the one or more processors, financing to a user associated with a user account, wherein a predefined time period for repayment of the financing is associated with the financing;
• evaluating, by the one or more processors, transactions processed via a user computing device of the user to determine, based at least on the evaluating, that the user is either ahead of schedule or behind schedule to repay the financing according to the predefined time period for repayment;
• based at least on the evaluating and determining that the user is either ahead of schedule or behind schedule, dynamically adjusting, by the one or more processors, a rate of repayment for the financing so that the user is on track for repaying the financing according to the predefined time period for repayment;
• and
• sending, by the one or more processors, a communication to the user computing device to cause, at least in part, an application executing on the user computing device to present a user interface including at least one interactive element for at least one of accepting or changing the dynamically adjusted rate.