Blog & News

Indirect lending programs generate a tremendous amount of data. The challenge isn't necessarily having access to information—it's knowing which measures provide the clearest picture of what is happening today and where the program may be headed tomorrow. Traditional measures such as loan volume and delinquency remain important. But because they are largely trailing indicators, they often tell the story after a trend has already developed. A more performance-focused approach c

In today’s highly competitive financial landscape, credit unions have built a strong reputation for their member-first philosophy and personalized service. To continue growing and attracting new members, however, credit unions must go beyond traditional strategies. A balanced approach that combines both direct and indirect lending has become essential for expanding auto loan portfolios and sustaining long-term success. While direct lending plays a critical role in fostering s

In indirect lending, dealers control the flow of business. Every day, they choose which lenders receive applications—and increasingly, those decisions come down to speed. Captive finance companies have spent years refining processes that deliver instant decisions, real-time updates, and seamless funding. Credit unions that can’t keep up are often excluded before the deal even begins. The encouraging reality is that credit unions don’t need to reinvent themselves. They need to

As credit unions move further into 2026, one trend is clearly reshaping the auto finance landscape: the emergence of the next-generation borrower.

Long before they ever step onto a lot, members are online—researching vehicles, comparing payments, and shaping their expectations around financing.

As we move into 2026 auto lenders continue to face a challenging environment. Credit unions are navigating a convergence of rising auto loan delinquencies, ongoing vehicle affordability challenges, and aggressive competition from banks, captives, and fintechs that often prioritize volume over sound risk management. While some macroeconomic easing may emerge, core risks—especially negative equity—are likely to persist. For credit union leaders, the mandate is clear: uphold fi

Auto lending is evolving at record speed. Consumer expectations are rising, captives are competing fiercely, and instant decisioning is...

Flexibility: The Cornerstone of Indirect Lending Success In the fast-paced world of indirect lending, flexibility isn’t just important,...

Indirect lending can be a powerful tool for expanding your auto loan portfolio, reaching new members, and strengthening dealer...

Measuring Success: Key Performance Indicators for Indirect Lending As credit unions increasingly adopt indirect lending programs to...

Leveraging Technology to Optimize Indirect Lending for Credit Unions In today’s dynamic financial services landscape, credit unions are...

Harnessing Data and Reporting Tools for Indirect Lending Success In today’s fast-paced financial landscape, leveraging real-time data and...

As credit unions seek innovative ways to expand their loan portfolios and better serve members, indirect lending has emerged as a key...

By: Robert Brant Finding the ideal lending solution is complex, especially in the rapidly evolving landscape of credit unions....

Do you ever wonder why it sometimes can take weeks for loan documents to arrive at your credit union after a deal was contracted? Many of...

The Covid-19 pandemic has led to supply chain shortages across the globe, and the automotive industry is no exception. Vehicle demand has...

Member loyalty has been steadily decreasing over the years as borrowers are able to conveniently shop rates online before making a...

The coronavirus pandemic has caused many Americans to evaluate their finances and spending habits. Credit unions are seeing a surge in...