Why your most profitable lending product is walking out the door and how to stop it.
Member journey
Pre-approved with you
Your rate. Your underwriting.
Shops your marketplace
Thousands of vehicles, your brand
Loan stays with you
Dealer delivers the car. That's it.
The kicker
Not indirect lending. The opposite of indirect lending.
This is the silent erosion of your auto portfolio and why application volume can rise while funded balances do not.
They walk into the dealership with your rate locked in. You did the marketing, application, and underwriting.
The finance office pitches captive financing for a higher dealer commission than your CU rate generates.
You did the work. Captive financing booked the loan.
You grow applications, not balances. Marketing dollars fund someone else's interest income.
They came to you for trust. They leave feeling sold to in F&I.
Lose the auto loan and you risk losing primary financial relationship momentum.
Capture every approved loan you fund. The leakage stops at the marketplace door.
Approved → Funded, with you.
Members shop in your branded ecosystem instead of dealer-first financing funnels.
Shop. Compare. Buy. In your brand.
Pricing, underwriting, branding, and member relationship remain yours end to end.
You own the journey, not only funding.
Not indirect lending. The opposite of indirect lending.
Carscu returns the relationship to the institution your members already trust.
Loan Pipeline
Active Loans
128
Pending Deals
32
Funded Loans
85
Funded Volume
$2.15M
Avg Days
7.3
Stalled Deals
14
Members already shop online for everything else. Whoever owns digital car-buying owns the loan.
Captive financing keeps winning on dealer floors unless you change the structure.
Banks and fintechs gain share by controlling journey, not by having better rates.
No. It's the structural opposite. In indirect lending, the dealer controls F&I and can flip your member to captive financing. With Carscu, the member pre-approves with you first, shops in your branded marketplace, and dealers in the network cannot offer alternative financing.
Carscu delivers pre-approved buyers with financing already locked. Dealers trade F&I flip margin for better close rates, faster funding, and fewer financing-related cancellations.
Weeks, not quarters. Standard onboarding includes branded marketplace setup and staff workflow enablement while your underwriting and funding systems remain in place.
Yes. Carscu is built for California credit union lending teams as well as credit unions nationwide, and is fully white-labeled to your brand.
See a 15-minute walkthrough tailored to your portfolio. We will show exactly where leakage happens today and how it looks when it stops.
800.589.0520
Built for credit union CEOs and VPs of lending.