Various embodiments are directed to systems and methods for facilitating a rent-to-own transaction. A computer system may receive from a computer device input data describing a consumer and, based on the input data, determine a spending limit for the consumer. The computer system may also receive from the computer device an indication of a good selected by the consumer. Based on data describing the good, the computer system may determine whether the good is transaction eligible. When the good is transaction eligible, the computer system may transmit to the computer device an indication of terms of the rent-to-own transaction, such as a periodic payment due under the rent-to-own transaction. When the terms are accepted by the consumer, the computer system may instruct a fulfillment computer to direct the good to the consumer.