Lending without
applications.
Union Credit turns "apply" into "you're already approved." We put firm, pre-approved credit-union offers in front of tens of millions of consumers — exactly where their borrowing decisions happen.
We meet consumers wherever a lending decision begins
Three distribution channels, one white-labeled enterprise platform — pick a lane to dive in.
CreditKind™
The new front door to lending — instant eligibility on your own channels, with zero credit impact.
Explore →Embedded Marketplace
Firm, pre-approved offers inside the apps consumers already trust — Experian, LendingTree and more.
Explore →Merchant Financing
Financing at the moment of purchase — giving customers a way to say yes at checkout.
Explore →Instead of asking consumers to apply, we ask them to say yes
Credit unions are losing ground to fintech disruptors
While the average credit-union member is 55, the average U.S. consumer is 37. Fintechs like SoFi are winning the next generation of borrowers at the moment of intent. Union Credit puts credit unions back in that moment.
The team behind CuneXus
Union Credit is led by the entrepreneurs who pioneered perpetual, pre-approved lending — technology now used by 250+ financial institutions.
20+ years leading fintech and credit-union innovation, and the pioneer of always-on pre-approval.
20+ years in lending and fintech across three successful startups, leading revenue and partnerships.
Replace "apply"
with instant clarity.
CreditKind™ shows consumers real, underwritten offers before they commit to anything — a soft pull, no obligation, no guessing. Clarity comes first, on your channels and under your brand.
If it doesn't appear, make sure the Figma link is shared, or open it in Figma ↗
Borrowers are researching, comparing, and checking their options first.
They are not starting with an application. They are starting with questions about rates, eligibility, payments, and approval.
Consumers will not commit when they still do not know what they qualify for.
A full application, hard credit pull, or membership requirement creates friction before the consumer has enough information to move forward confidently.
Let consumers explore real offers before making a decision.
Consumers check their eligibility
Soft pull. No obligation. No guessing.
Your credit union returns real offers
Personalized using your underwriting criteria, subscriber codes, and membership requirements.
Qualified borrowers choose to continue
They move forward with greater confidence, stronger intent, and fewer surprises.
Put answers wherever borrowing decisions begin.
CreditKind can live across your website, digital banking, marketing, branches, call centers, merchant experiences, and more.
Deliver a fintech-level experience without becoming a fintech.
CreditKind is fully white-labeled, keeping your credit union at the center of the experience from the first question through the final application.
Ready to give your members instant clarity?
The first and only embedded lending marketplace.
Present firm, pre-approved offers to tens of millions of consumers — fully integrated into the platforms people already use. Credit unions gain digital reach at fintech scale, without losing brand or trust.
If it doesn't appear, make sure the Figma link is shared, or open it in Figma ↗
One hub, three ways to reach the borrower
Union Credit sits at the center — distributing your firm offers across every lane consumers travel.
You define the box. We fill it.
We only deliver consumers who meet your prescreen criteria and your membership eligibility. Configure the exact box you want to lend in — field of membership, rates, and volume — and we handle the rest.
Membership · Rates · Volume
Adjust to the market on your own terms
Market conditions
Manage the platform monthly and respond as rates and demand move.
Credit policy
Credit-union-specific underwriting criteria and pricing. Configure the exact tiers and rules you lend on.
Strategy
Opt into monthly campaigns with no minimum commitments. Set volume, product mix, and geography. Pause anytime.
However you want the leads, we deliver
Once a consumer accepts a pre-approved offer, their information reaches the lender via the route you choose.
LOS Integration
Direct integration to Movemint, MeridianLink, Origence, Sync1 & Temenos and many other LOSs — covering 80% of the CU market.
Direct API
A leads API posts redeemed offers to Salesforce, HubSpot, your LOS, and more.
Leads Portal
No integration required — retrieve consumer information via our leads portal.
Reach borrowers at fintech scale — as yourself.
Giving customers a way to say yes.
When financing shows up at checkout, lenders reach borrowers exactly when demand is highest. Union Credit lets credit unions win these purchase-driven moments — historically dominated by large fintechs.
If it doesn't appear, make sure the Figma link is shared, or open it in Figma ↗
of consumers say financing availability influences where they shop.
Source: PYMNTS Consumer Lending & Embedded Finance Research
Reach borrowers when intent is highest
Introduced at the point of purchase, financing turns browsers into buyers — and puts your credit union in front of consumers precisely when they've decided to spend. Union Credit embeds firm, pre-approved offers directly into the merchant checkout.
On the shelf, the counter, and the catalog
Set funding limits by asset class
Commit only what you want in each lane. Set a ceiling per asset class and we never exceed it — dial it up or down as the market moves.
Auto refi
Up to $10M committed
Unsecured
Up to $5M committed
Every other class
Credit cards, HELOC, and more — each with its own cap you set and control.
From cart to funded, without leaving checkout
Consumer checks out
Firm, pre-approved offers appear right in the merchant flow.
Instant approval
Qualified consumers see terms immediately — no application, no wait.
You fund the loan
The lead routes to you, and a new member relationship begins.
Meet borrowers at the moment they say yes.
Proven at scale.
Award-winning technology, a growing lender network, and the kind of members Union Credit brings through the door.