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Indirect Lending

Indirect lending

Your underwriting.
Fast funding.
Instant decisions.
Local support.

0 +
credit union partners
0 +
auto dealer partners
0 M
loans funded
through 2022
$ 0 B
total funding in 2022


Discover how our auto lending solution can help drive your business with:

Better pull-through rates with pre-approval solutions

Access to a network of dealers

Access to a network of over 19,000 auto dealers

No per-app fees

No per-app fees; pay only for the loans you fund

Increased loan quality

Increased loan quality with complete control over underwriting guidelines

Faster funding with Smart Approval

Faster funding with our SMART Approval® software, which enables online pre-approval applications through your website

Instant decisions

Instant decisions with our sophisticated decision engine or integrate an external one

High level of service and responsiveness with teams of local client support to manage dealer-lender relationship

Document sag

CUDL's SmartFund technology provides digital copies of all loan docs, delivering faster funding of approved loan packages

Tap into the CUDL network

Indirect lending success

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.
IDL success Keith-S video thumb
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.

Drive more indirect loans your way with CUDL

CUDL is the fully-customizable auto lending solution proven to streamline and enhance indirect origination. Providing you access to a network of over 15,000 auto dealers and complete control over underwriting guidelines, CUDL will bring you more loans and new members to position your credit union for success.

Powerful partner integrations for
indirect lending success

AI-automated underwriting with Zest Auto

Access powerful AI-automated underwriting technology for credit union automotive lenders, available exclusively from Origence and Zest AI. Zest Auto is a smart, inclusive, and efficient automotive loan underwriting solution based on the popular Zest AI machine learning (AI) underwriting technology. With Zest and Origence, lenders can make faster, more accurate decisions, while confidently approving more loans.

Drive operational efficiency

Auto-decision 50%+ of all applications

Accelerate loan growth

Up to 20% increase in auto loan approvals

Serve more members

Establish equitable lending opportunities for your members

Results are based on a Zest AI sampled population meant to be a representation of customers borrower population. Actual results may vary based on customer lending practices and population composition.

Document Processing Automation powered by Informed.IQ

Instantly verify automotive loan applications faster and with more accuracy. Our document process automation integration for indirect lending leverages machine learning and AI—all powered by Informed.IQ. With Origence and Informed.IQ, lenders can increase staff efficiency, decrease manual errors, speed dealer funding, and enhance dealer relationships through modernized verification.

of all U.S. auto loans

are processed through Informed.IQ’s APIs

have been originated

with Informed.IQ’s automation

auto lenders

trust Informed.IQ’s technology

Ready to boost your indirect lending?

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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.


Origence®… a new brand for the future of lending

For 25 years CU Direct has helped deliver a better digital lending experience, increase efficiencies, and fuel growth. With a vision to create the ultimate origination experience, we introduced a new brand for financial institution technology and solutions—Origence. Our new Origence website is where the journey begins…

Continue to Origence

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