CUDL Alternative for Car Dealerships

Keep the credit union lending network your finance office relies on, and give every credit union member a faster path from first question to signed deal.

CUDL, operated by Origence, is known as a lending network that connects dealerships with credit unions for indirect auto loans. A finance office uses it to send an application to participating credit unions, receive decisions, and work the deal through contracting and funding with the credit union that approves it. For stores in markets where credit unions hold a large share of auto lending, it is one of the main doors to those lenders, and many credit union members arrive at a dealership already expecting to finance through their credit union.

Participating credit unions, network features, fees and dealer requirements change over time and differ by region, so confirm current pricing and terms with the vendor directly. This page leaves lending network comparisons to that conversation. It covers what surrounds the network: finding members and other shoppers, getting a complete application out of them, desking a number that matches the rate they were promised, and closing the deal in a way the member remembers.

A lending network does its job once an application exists. Everything before that moment, and most of what the member experiences after it, happens somewhere else. The member has to find your store, get a fast answer, complete an application on a phone, see a payment that matches the rate their credit union mentioned, and sign without a second trip. Those are the jobs LeadLocate was built for.

So keep CUDL for the credit union submissions, decisions, contracting and funding your finance office runs today, and add LeadLocate for the customer side. Your lender channels stay exactly as they are, no DMS integration is required to operate, and the finance manager keeps the screens they already know. What changes is how many complete, well prepared applications reach them, and how quickly each member moves from interest to a signed deal.

For stores that run a formal program with one or more credit unions, the credit union auto buying program page shows how LeadLocate gives each credit union its own lead feed, tracking number and branded apply link, with reporting clean enough to share at the program review.

Leave your number and a lead specialist calls you back to answer your questions about pricing, coverage, and setup. Mon - Sat, 9:00 AM - 6:00 PM Pacific.

Prefer to talk right now? Call or text 844-376-2274.

Credit union business starts long before a finance office sees an application. LeadLocate lead plans deliver exclusive local buyer leads: every lead in your zone is delivered to you and only you, prescreened at capture with the questions you choose, and backed by a replacement review, so a bad lead costs you nothing. In Leads Manager you draw the zone, choose the campaign type, set the prescreening questions and pick the offers, and our team builds and runs the campaigns on the webXintel Ads Network. Financing campaigns run under fair lending rules, so no audience is narrowed by age, gender, income, marital status, household size, education, language or ZIP.

Referrals from a credit union get the same care as paid leads. Lead Feeds Manager gives each credit union its own custom source feed, and tracking phone numbers per source show which relationship a call came from. Lead Pages, the landing page builder in the Website menu, produces a co-branded page each credit union can link to, with per page URL settings so each program has a clean address. The Referral Program, with referral campaigns, a shared code and gift card style payouts, turns a satisfied member into the next member.

A credit union member usually arrives trusting the credit union and expecting a calm, straightforward experience. The first response sets that tone. Automated Templates send the first text per lead feed as the lead arrives, so the message can reference the credit union by name, and Follow Up Processes carry the multi step drip for the member who is months away from a decision.

The rep works the conversation from a two way texting inbox with pictures, delivery status on every bubble and RCS with automatic SMS fallback, and the vehicle insert button attaches a unit with photos and price. Calls run through the VoIP softphone with click to call, caller ID name lookup, recording and transcription, so the conversation about the member's rate and budget is on the record for the finance manager. Every call, text, email and voicemail sits on one timeline on the lead record, and round robin assignment and lead routing rules decide who works each member. The texting inbox page shows the conversation view in detail.

The quality of what goes to a lender starts with the quality of what comes in from the customer. SecureWebX puts a branded credit application on the member's phone through an apply link the rep texts from the CRM. It runs in five steps, personal, residence, employment, income and review, with co-applicant support for the joint application that is common among credit union members, ITIN accepted alongside SSN, a down payment field and a trade-in section. The member signs electronically and consents against versioned terms. Applications that stop halfway feed back to the CRM so the rep can follow up.

Inside the SecureWebX console each application sits in an inbox and pipeline with status, assignee, amount and notes. Stipulations are requested and fulfilled by upload, supporting documents attach to the file, OFAC screening runs on every application, and adverse action notices are generated from the application record. Where a lender or your DMS wants the application as a file, SecureWebX exports it in the format it expects, including STAR XML, fixed width, CSV or JSON. For a credit union the store works with directly, Send to Lender creates a code gated, expiring, revocable and watermarked share with a lender response portal that returns the decision to the record. The Send to Lender page covers how the share works.

A member who walks in with a credit union rate wants to see the payment at that rate, on the unit they picked, with their trade and their down payment in the structure. EZ Desking builds cash, finance and lease pencils with a multi pencil grid, goal seek bays, a 50 state tax matrix, semimonthly payment frequency and trade credit caps. SecureWebX worksheets run at parity with that engine, and a worksheet pushed from CRM desking attaches to the application so everyone works from the same structure.

The member reviews the numbers on a DealTracker deal page, brand skinned to your store and opened with a PIN, with every revision visible and a deal chat thread for the question that arrives after hours. The member signs with an e-signature. The Deal Jacket holds the license scan, the insurance card and the approval letter, uploaded from a phone through QR intake, and the Road to Sale checklist shows the desk what is still missing before funding.

The table shows where each system does its work. Stores that add LeadLocate keep their lender channels.

Features and pricing change on both sides. Confirm anything decision critical with each vendor before you sign.

Because the lending side keeps running untouched, the rollout is about the sales floor and the application. In the first week your account is set up with you: users and roles, tracking numbers per source, the Forward Calls To ring list, and a branded apply link with your disclosures and custom fields. In the second week, create a feed for each credit union relationship, connect your website forms so every submission becomes a lead with its first text ready, and load Follow Up Processes. In the third week, add Send to Lender contacts for the credit unions you work with directly and start issuing adverse action notices from the record.

Measure time to first response, applications started versus completed, and deals funded by source. Training is included with every plan. Plans are month to month with no long term contract, CRM Only from $199 a month and lead programs from $799 with the full CRM included. We cannot guarantee approvals, lead counts or results, because the outcome depends on your market, your lenders and your team. Current plans are on the pricing page, and the demo shows the whole path running.

Can LeadLocate replace CUDL?

LeadLocate runs beside CUDL. Keep CUDL for credit union submissions, decisions, contracting and funding, and add LeadLocate for exclusive local leads, the texting and calling CRM, SecureWebX applications, desking and DealTracker deal pages.

How does LeadLocate help with credit union members?

Each credit union can have its own lead feed, tracking number, co-branded Lead Page and branded apply link, so every member is tagged to the relationship that sent them and reporting by source is ready for the program review.

How does an application reach a credit union?

Through the lender channels your finance office already uses, including CUDL. For a credit union the store works with directly, Send to Lender creates a secure, expiring, revocable share with a response portal, and SecureWebX can export the application in the format a lender expects.

Can we desk at the rate the member was offered?

Yes. EZ Desking and SecureWebX worksheets build cash, finance and lease pencils at any rate you enter, with a 50 state tax matrix and trade credit caps, and the member reviews and signs the result on a DealTracker deal page.

Are the leads exclusive?

Yes. Every lead in your zone is delivered to you and only you, prescreened at capture with the questions you choose, and backed by a replacement review. Every lead plan includes the full CRM.

Is there a long term contract?

No. Plans are month to month with no long term contract. CRM Only starts at $199 a month and lead programs start at $799, and current figures are on the pricing page.

We will build a feed and a branded apply link for one of your credit union relationships and walk an application from text to signed deal page, beside the lender channels you already use. Month to month, no long term contract.

Prefer to talk right now? Call or text 844-376-2274.