Systems, methods and articles for online computerized methods and systems for facilitating a loan between a borrower and a lender in a financial services system having a loan processing application integrated with a tax return preparation application, in which a lender's tax refund is used to fund the loan. Tax returns are prepared for borrowers and for lenders using the tax return preparation application. The borrowers submits loan request to the system. The system asks lenders having a tax refund if they would like to loan the tax refund to other people and the system presents loan options to the lenders. If a lender likes a loan request, the lender instructs the system to enter into a loan for the request for a specified amount on agreed to loan terms, and the loan amount is then transferred to the borrower, funded by the tax refund.