DIRECT FROM
THE SOURCE
CULS is a Credit Union Service Organization (CUSO) founded in Atlanta in 2004. Our mission is to help credit unions by augmenting their organic loan production through our unique loan participation program. CULS is a full-service originator and servicer of prime Indirect Auto Loans. Through our monthly flow program, we have provided over $13 billion in assets to 160 credit unions across ten states.
Program
Credit Union Loan Source offers a loan participation program with a 18-year track record that operates on a monthly subscription basis, creating a flow of loans onto your balance sheet each month. For more on how our unique program works, click on the video link below:
Benefits
The Credit Union Loan Source program delivers low-risk prime/super prime quality auto loan assets originated across our diverse 31-state footprint.
Unique
CULS is an auto loan participation flow program. The unique CULS model ensures participating financial institutions share risks and rewards equally.
Delivery
Since 2015 CULS monthly loan pools have yielded within 0.05% of original projections on average.
Timely
Because purchases are made within days of origination, yields and credit risks reflect today’s market conditions.
Turnkey
Our program is easy for participants – we handle the originations and servicing and provide a custom monthly reporting package.
Transparent
Each investor is provided access to all relevant policies and procedures and loan documentation. Loan-level reviews and portfolio reporting make portfolio monitoring simple.
Who can participate?
Since our launch in 2005 Credit Union Loan Source has worked with over 160 credit unions in ten states.
Banks and state-chartered credit unions are eligible to purchase CULS loans as long as your state’s loan participation laws allow you to buy non-memberized loans. Federal Credit Unions cannot participate at this time.
Not sure of your eligibility?
The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only.
What Else We Do
Our program was designed to offer credit unions an investment alternative that isn’t a drain on resources.
Loan Origination
Loan Servicing & Collections
Reporting
Dealer Management
Our Customers Say…
credit union confidence that we have made the right choice in partnering with CULS.”

Need more information?
If you’d like more information on how Credit Union Loan Source can help your credit union, email us at LearnMore@culoansource.com.