1. A method for offering credit, the method comprising: determining with a prospective borrower locator a prospective borrower location of a prospective borrower; determining consumer information with a purchase module corresponding to the prospective borrower; determining a credit worthiness with a credit module of the prospective borrower; determining with a location module a relative proximity of the prospective borrower location to one or more available goods or services by accessing an inventory list to determine products and services offered at the prospective borrower location; and extending an offer of credit to the prospective borrower with a credit offering device at the determined prospective borrower location based upon the relative proximity the prospective borrower location to the one or more available goods and services; wherein the extending the offer of credit to the prospective borrower comprises extending an offer to purchase at least one of the one or more available goods and services disposed at the prospective borrower location.