Consumer lending from application to funding — on one workflow
Borrowers who wait, walk. CLA gives your members instant pre-qualification, automated decisioning, and e-signatures in a single mobile-first flow — while your lenders work every channel from one queue, connected to your core in real time.
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'll 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.
Automated decisioning
DecisionIntelligence+ applies your credit policy through 70+ configurable rules. Credit is pulled automatically during the application — clean approvals go through instantly, exceptions route to a lender.
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 & LOS integration
Real-time integrations handle member lookups, decisioning, document generation, and booking on your core — with LOS integrations for institutions that keep an existing loan origination system in the stack.
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.
OpsHow much of decisioning is automated?
Your credit policy runs through 70+ configurable decisioning rules. At Nutmeg State FCU, 89.5% of applications are decisioned instantly and 97.6% of manual origination steps are automated — lenders spend their time on exceptions and member conversations.
ITDo we have to replace our LOS or core?
No. CLA integrates in real time with Jack Henry, Corelation KeyStone, and Fiserv cores (36+ direct API integrations) and connects to existing loan origination systems where you want to keep them. Red River replaced a traditional LOS workflow; other institutions run Cotribute in front of theirs.
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're 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.