Indirect lending that moves everyone forward—faster.
Origence CUDL
CUDL connects 1,100 credit unions and 20,000 dealers through a single platform that funds more loans, faster.
Together, dealers close more deals, credit unions lend more efficiently, and shoppers enjoy a streamlined car-buying experience.
Select your business type to see how CUDL fuels your success.
What we offer
Proven solutions that convert test drives into closed deals.
Credit application
Fast decisions. Streamlined financing.
Drive deals with the credit application solution built to make credit union financing faster.
Digital contracting
Fewer delays. Less hassle.
Go digital to optimize your contracting efficiency, improve accuracy, and get funded faster.
Auto media
Greater visibility. More sales.
Showcase your inventory directly to preapproved, in-market credit union car shoppers.
DMS integration
Drive revenue. Eliminate redundancy.
Spend less time entering data and more time with customers—while keeping every deal moving.
Success Stories
Dealerships are funding faster with CUDL.
“CUDL has opened up so many doors for us to develop relationships with credit unions. It allows us a quick way to satisfy our customers, and in the world of car buying, speed is the key.”
Heston Young |
Finance Director
Young Automotive Group
“CUDL has helped us in a lot of ways, but performance-wise, the consumer being in the showroom for a shorter amount of time—that’s critical in our customer satisfaction index.”
Jason Carson |
General Manager
Toyota Knoxville
“As a finance manager, your PVR is going to soar using CUDL. We have multiple platforms, but CUDL is by far our go-to—and it will be in the future.”
Rob Whetter |
Finance Manager
Fox Grand Traverse Ford
“It used to take three to four days for a customer to go and get a check from their credit union. Now, we can do it in three to four minutes.”
Marcus Marelli |
Finance Manager
Young Volkswagen of Layton
Access the financing solution built to help you move inventory faster, build stronger lender relationships, and connect with more shoppers.
- Access a nationwide network of credit unions through one platform.
- Move inventory faster with streamlined financing tools.
- Reach more in-market shoppers.
- Simplify the funding process from start to finish.
- Deliver a better car-buying experience.
Not a dealership? Explore CUDL for credit unions
What we offer
Modern solutions for modern lending.
Dealer network
Connect coast to coast with 20,000 dealers.
Expand your lending reach with the nation’s largest dealer network.
Digital contracting
Increase contract accuracy.
Go from approval to booked loan in fewer steps.
Document processing automation (DPA)
Accelerate indirect loan processing.
Leverage machine learning and AI for lightning-fast document processing.
Success Stories
Credit unions are growing with CUDL.
“One of the things that we noticed when we converted into the CUDL and Origence space was an amazing increase in look-to-book. We were averaging probably about 22% look-to-book in the normal marketplace. We instantly actually accelerated up past 40%.”
Tim Kosak |
VP of Consumer Lending and Analytics
Consumers CU
“Since 2017, when the [indirect lending] program really started to take off, we've tripled our origination volume. At the end of 2024, we originated $650M in loans and leases, and we've grown from one state to now eight.”
Chris Walsh |
VP, Consumer Lending & Product Management
FourLeaf FCU
“We've more than doubled the number of dealer partners that we have, with access to many more. Since our go-live in 2019, we've more than tripled our loan volume on an annual basis.”
Dustin Nehls |
VP of Consumer Lending
Honor CU
“We’ve become the number one auto lender in the state of Kansas for many years in a row—and I don’t see it stopping. One of the big reasons we got there is through Origence expertise.”
Gary Hull |
AVP Consumer Lending
Credit Union of America
Scale efficiently, strengthen dealer relationships, and keep the member experience front and center—all without sacrificing control over policy, pricing, or credit decisions.
- Maintain complete control of your underwriting and decisioning.
- Connect with dealers nationwide—no individual agreements required.
- Select the dealers that align with your strategy.
- Pay only for the loans you fund.
- Get local support to strengthen dealer relationships.
Not a credit union? Explore CUDL for dealers
Stronger together
Connected coast to coast.
Nationwide coverage. Seamless technology. Real-time connectivity.
CUDL connects 1,100 credit unions and 20,000 dealerships in one powerful lending network — so every buyer, lender, and dealer moves faster together.
1,100
Credit unions
20,000
Auto dealers
66M
Members represented
$523B
Total indirect funding as of 2024