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.
The #1 credit union indirect lending network
Retain more member loans
Lower indirect origination costs
Maintain complete control
From dealer selection to underwriting strategy and decisioning, you set the rules.
Tap into today’s technology
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
Origence Indirect Lending in action
Origence Indirect Lending in action
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
Powerful deposit account opening
Open new membership accounts online, in less than 6 minutes for a streamlined experience.
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.
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.
Indirect lending success
Centris Credit Union
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
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®
Smart tools for indirect lending success
Smart Approval®
SmartFund
We're here to help.
Learn more about growing and modernizing your lending operations.
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