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Indirect Lending

Originate more indirect loans with CUDL® from Origence

Connect to the largest credit union dealer network, leverage integrated technology, and tap into results-based indirect lending.
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The #1 credit union indirect lending network

Experience indirect lending built for today’s modern credit union lenders. From AI-driven automation and intelligent decisioning, to best-in-class integrations and the reach of the CUDL dealer network, you’ll have everything you need for indirect lending success.
Retain more member loans
Provide fast pre-approvals and funding with an optimized journey at every touchpoint.
Lower indirect origination costs
With no per app fees, you only pay for the loans your credit union funds.
Maintain complete control

From dealer selection to underwriting strategy and decisioning, you set the rules.

Tap into today’s technology
Your modern lending starts here with smart automation, AI, and 100+ integrations.
CUDL dealer network

Expand your indirect lending with the CUDL Dealer Network

Partner with Origence—the home of CUDL—connecting credit unions and dealerships across the country for 30 years.

  • 20,000 dealers across the U.S.
  • You choose which dealers you want to work with
  • Individual dealer agreements not required
  • Dealer Scorecard shows performance of every dealer on your curated network
  • Easily expand and contract dealer network based on your indirect strategy
  • Local client support provided to help you nurture dealer relationships
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Origence Indirect Lending in action

1,100+
credit union partners

Origence Indirect Lending in action

2.1 M
loans funded through 2023
20,000+
auto dealers on the CUDL network
$50.1B
indirect funding in 2023

Originate indirect loans and accounts on a single platform

With Origence Indirect Lending, you’ll have access to the indirect lending module of our loan and account origination system, arc OS. Featuring many of the same capabilities, arc OS indirect is focused on providing credit unions with a powerful origination system for indirect lending and opening new member accounts. 

Automated loan decisioning

Maintain underwriting control with a built-in decision engine featuring 1,800 variables to create rules for your decisioning strategy.

Seamlessly integrate with your partners
Integrate with most major core processors as well as credit bureaus, ID verification providers, eSignature solutions, and more.
Powerful deposit account opening

Open new membership accounts online, in less than 6 minutes for a streamlined experience. 

Indirect lending man in office working in arc os withUI overlay

Unlock indirect lending capabilities with AI-driven automation

Powerful document processing automation

Reach new levels of efficiency with instant, automatic verifications of indirect lending applications with up to 99.8% accuracy. Document processing automation, powered by Informed.IQ, reduces friction in the lending process while decreasing expenses.

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AI-automated underwriting with Zest Auto

Zest Auto is a smart and efficient automotive loan underwriting solution based on the popular Zest AI machine learning  underwriting technology. Make faster, more accurate decisions, while confidently approving more loans. 

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Indirect lending success

Indirect lending testimonial snapshots video
Testimonial snapshots
From personalized customer service and hands-on support to nationwide access to local dealerships throughout the CUDL Network, our partners share what makes Origence integral to their indirect lending success.
Indirect lending testimonial video Kinecta Federal Credit Union
Kinecta Federal Credit Union
CEO of Kinecta Federal Credit Union, Keith Sultemeier, takes a moment to share organizational wins after switching to Origence Indirect Lending. Learn how Kinecta was able to better serve their dealership partners while enhancing the overall member experience.
“Origence makes Centris Federal Credit Union a better lender by tapping into the dealer network, ongoing training, and great strategic partnerships.”
Rick Seamann | VP Indirect Lending
Centris Credit Union
Services

Powerful resources to optimize your indirect lending.

Managed Lending Services

Discover flexible outsourced lending solutions to meet shifting demand, complement existing capabilities, and redirect resources to pursue new opportunities for indirect lending growth.

  • Full-service loan processing
  • Underwriting services
  • Digital document services
  • Call services for dealerships
  • Letter services
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Indirect Lending Consulting

Tap our team of seasoned experts for in-depth analysis, effective strategies, and performance monitoring to ensure your indirect lending thrives. Reports include:

  • Portfolio stratification
  • Stress testing
  • Predicted performance analysis
  • Dealer performance review
  • Competitive analysis

Credit Bureau Services

Gain an edge with faster indirect loan processing through access to top-tier credit reports and verifications, optimizing time and lowering costs.

  • Consumer credit reports
  • FICO® risk scores
  • Fraud product
  • VantageScore®
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Tools

Smart tools for indirect lending success

Smart Approval®
Online preapprovals available through your website.
SmartFund
Digital copies of loan docs for faster dealer funding.
AutoSMART®
White-labeled member auto shopping website.

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We're here to help.

Learn more about growing and modernizing your lending operations.

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Tap into the power of indirect lending with modern, industry-leading features​

Use this feature comparison guide to see what makes Origence the optimal solution for credit union lenders. From AI-driven automation and intelligent decisioning to best-in-class integrations and the reach of the CUDL dealer network featuring over 19,000 dealers across the country, you’ll be set to take indirect lending to the next level.
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