Indirect Lending for Credit Unions

Indirect lending vendors connect credit unions to loans originated at the point of sale, most commonly through auto dealers but increasingly through home-improvement, retail, and other merchant networks. These platforms manage dealer relationships, route applications, automate decisioning, and help fund and book loans at scale. For credit unions, indirect channels drive loan and membership growth beyond walk-in traffic, though they require careful pricing, underwriting, and concentration management. When evaluating providers, look at dealer reach, decisioning speed and automation, integration with your loan origination and core systems, risk and portfolio analytics, funding workflow, and tools for managing dealer performance and reserves.

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