Consumer lending around the LOS you already trust
Borrowers who wait, walk. CLA gives your members a connected, mobile-first experience from offer through application, stipulations, membership and follow-up—while underwriting, pricing, decisioning, booking and funding stay in your LOS.
Proof: Red River Credit Union
Red River CU ($1.6B assets, 123K members) unified branch and online lending on a single Cotribute workflow atop Corelation KeyStone — moving 11 consumer loan products off a traditional loan origination system.
Vehicle loans, unsecured personal loans, credit cards, lines of credit, credit builder, savings-secured, home improvement, RV, and seasonal loans — one application experience, one back office, branch and online. Read the full story →
What CLA does
Instant pre-qualification
Payment calculators and instant pre-qual give applicants a real answer in minutes — not a "we will call you" that sends them to the next lender.
Income verification
Integrated income verification confirms ability to repay inside the flow, replacing pay-stub emails and follow-up calls.
Connected LOS decisions
The completed application and supporting data flow to your LOS by API. Cotribute consumes the decision and status response, then triggers the appropriate next digital step.
Documents & e-signatures
Automated document generation, collection, and e-signature routing take a loan from approval to signed closing package without printing anything.
Fraud & OFAC checks
FraudGuard+ identity fraud scoring and OFAC screening run automatically on every application, so fraud is stopped before funding — not investigated after.
Core & any open LOS
Send application and supporting data to any open LOS, then consume its decisions and statuses. Underwriting, pricing, decisioning, booking and funding stay in the LOS.
Seven digital stages in Cotribute. Two credit and funding stages in your LOS.
Cotribute runs 7 of the 9 steps
The credit decision never leaves the LOS. Cotribute sends application data in, consumes decisions and statuses back, and drives the next digital step.
Any open LOS works. Cotribute also connects directly to LOS capabilities that are part of Corelation. For another open LOS, provide usable API documentation and a test environment, and Cotribute will build a new connection in three weeks at no additional cost. See the complete integration model →
One platform for every consumer credit product
CLA draws on 90+ configurable financial product templates — auto and vehicle, personal and lines of credit, credit cards, home equity and HELOC, credit builder, and more. Launch a new loan product by configuring a template, not by scoping a development project. Loan modules are typically live in 45–60 days depending on core.
“In my decades of leading credit unions, Cotribute is one of the best technology partners that I have experienced… best-in-class digital onboarding templates provide a 'Chime-like' experience.”
Frequently asked questions
LendingCan CLA unify branch and online lending?
Yes — that is exactly what Red River CU did. Online applications flow into the same workflow branch lenders use, with configurable lending rules standardizing eligibility, product selection, and required documentation across channels. The result: +28% monthly loan applications and an 83% completion rate on their highest-volume product.
OpsWhere do underwriting and decisioning happen?
In your LOS. Cotribute sends the completed application and supporting data by API, then consumes the LOS decision and status response to trigger stipulations, adverse-action notices, membership, or welcome steps.
ITDo we have to replace our LOS or core?
No. Cotribute connects to any open LOS with usable APIs, and integrates in real time with Jack Henry, Corelation KeyStone, and Fiserv cores. Keep your LOS for underwriting, pricing, decisioning, booking, and funding while Cotribute runs the seven surrounding digital stages.
RiskWhat fraud controls run on loan applications?
FraudGuard+ runs automatically: identity and synthetic fraud scoring, device and velocity signals, ID verification with liveness, and OFAC screening. Suspect applications are stopped or routed for review before any funds move.
CEOHow long until we are live?
Loan modules are typically live in 45–60 days depending on your core. Implementation includes a dedicated project manager, weekly calls, and configuration of your loan products from Cotribute's template library.
See a loan go from application to e-sign
Walk through live lending demos, or scope your products and core with our team.