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DIGITAL CONTRACTING

eContracting for CUDL®

Increase contract accuracy for greater efficiency and faster funding.
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Meet the demands of today’s modern dealerships and make more loans.

Dealerships are demanding a fully digital financing solution. With eContracting for CUDL®, you can rise to the challenge and enable the experience, speed, and accuracy needed to win in today’s fast-paced world of indirect lending.

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Build dealer loyalty and get more deals
Deliver faster funding and position your credit union to capture more business.
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Optimize workflow to drive down costs
Reduce expenses associated with manual errors, workflow disruptions, and delays.
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Save time with accurate funding packages
Minimize errors and contract rework with real-time validation before dealer submission.
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Boost productivity and operational performance
Digitally transform your funding process and manage higher loan volumes with ease.
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Surpass your members’ digital expectations

Allow members to review and sign final documents at the dealership or remotely.

Easily integrate eContracting with existing workflows
Adopt and implement eContracting using existing digital workflows for a seamless transition.
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Explainer video

See how eContracting for CUDL® works

Reduce errors, cut delays, and turn faster funding into stronger dealer relationships, more business, and happier members.

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Transform your indirect lending with powerful eContracting features.

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Real-time validation
Enable dealers to validate data, resolve errors, and secure missing signatures before submitting contracts. Contract data can be validated in real time against your credit union’s lending rules.
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LOS integration

Initiate fast funding with entire funding package data automatically flowing into Origence arc OS™.

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Flexible signing
Offer a truly digital borrower experience by allowing dealers to provide e-signing of final documents anywhere, anytime.
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Securely store contracts digitally, establishing a chain of custody with audit trails, and maintain easy access to the legal, authoritative contract.

Frequently asked questions

What are the benefits of eContracting?

eContracting reduces data errors with real-time validation, expedites funding by reducing contracts in transit, and adds efficiencies for managing higher loan volumes. This digital contracting solution enhances the car-buying and financing experience for members with seamless transactions and e-signing, leading to cost savings, better loan retention, streamlined communications, and stronger dealer relationships.

Will eContracting be available to all credit unions?

Yes! Our solution will be available to all CUDL® credit unions.

Is SmartFund® and loan document processing automation (DPA) being replaced with eContracting?
No, eContracting is an evolution of the digital document experience, and SmartFund® is still available. Both solutions offer different ways for dealers to submit funding packages.
What’s the difference between eContracting and SmartFund®?

SmartFund® digitizes documents for electronic submission, focusing on digital submission without managing the contract lifecycle. In contrast, eContracting digitalizes the entire contract process, ensuring accuracy and reducing errors or missing data that might require reworking contracts later.

Are DPA and Origence Lending Services loan stacking and package order available?

Currently, eContracting for CUDL® is not integrated with DPA or Origence Lending Services. However, we are currently planning future enhancements, including support for document stacking and package creation.

What is the estimated implementation time frame for a credit union lender?

Although each credit union is different, the implementation and training of eContracting for CUDL® is simple and can usually be done in 2-3 weeks. With imaging integrations, a 30-day period for complete lender onboarding can be expected. We will work with credit unions to determine specific timeframes based on scheduling, availability, and complexity.

What loan types are supported?

eContracting supports auto retail lending (purchase) for new and used vehicles.

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