MeridianLinkSM partners with to provide “second-look loans” for credit union members and MeridianLink team up to enable auto lenders to serve consumers declined for auto loans, without credit or operational risk

COSTA MESA, CA (March 8, 2016), a new direct-to-consumer auto loan platform, today announced a partnership with MeridianLink, developer of the industry’s first multi-channel account opening and loan origination platform, to provide its credit union clients with additional opportunities to fund members’ auto loans. has developed a technology solution that provides a direct auto loan platform, so credit unions can offer financing to members with credit below typical prime borrower policies, without assuming additional credit or operational risk.

The platform delivers an online loan experience that is fast, friendly, convenient and transparent – putting consumers in control of their auto financing process.

“Our platform enables MeridianLink clients to better meet the needs of today’s auto loan applicants, who don’t meet regulatory or stated loan policy restrictions of a credit union,” said CEO Jim Landy. “Consumers, especially those with less than perfect credit, are extremely dissatisfied with the opaque and frustrating car-financing process, and our platform gives financial institutions the ability to better serve these members.”

The new partnership seamlessly integrates MeridianLink and’s platforms, eliminating duplicate member declinations and hard inquiries on consumer bureaus, which have traditionally plagued second look programs.

“Approximately one-third of the US auto market’s applications for credit fall outside of most credit unions’ buying parameters,” said Landy. “This new platform and process enables credit unions to provide a ‘best of’ loan product and experience to members that are being declined today, creating a win-win for the credit union and the consumer.”

“We’re pleased to partner with to securely and easily provide our credit unions with a ‘best-of-breed’ solution,” said Tim Nguyen of MeridianLink. “This will enable credit unions to serve members who have less than perfect credit with an exceptional and dignified auto buying experience.” also recently announced a strategic investment from CUNA Mutual Group, the leading provider of lending, insurance and wealth management products for credit unions.

Consumer Benefits
Instant email offer upon prime policy decline
Soft inquiry
Improved shopping and financing experience
Credit Union Benefits
Non-interest income
Protects member relationships by placing them with a friendly, non-competing, non-depository financial services company
Meets consumers’ expectations by providing recommendations and options

About MeridianLink

MeridianLink, Inc., developer of the industry’s first multichannel account opening and loan origination platform, is a leading provider of enterprise business solutions for financial service organizations. The company’s passion for excellence is reflected in its web-based credit reporting, lending and new account opening/deposit technologies, which all enjoy solid reputations as being cutting edge, reliable and affordable. Based in Costa Mesa, Calif., MeridianLink is committed to creating smart solutions that deliver real value. For more information, visit is a financial technology company, whose direct-to-consumer auto loan platform puts the consumer in the center of the loan process. Founded by industry veterans, and staffed with an experienced team of automotive finance experts and technologists, facilitates and educates consumers during the loan process, offering faster decisions, transparency, personalized loan terms and support resulting in a better consumer experience and outcome., consumers are in control as they refinance auto loans or finance and purchase new or used vehicles directly online or via their smartphone. Uniquely leveraging data and analytics, empowers consumers, while offering benefits to auto dealers, credit unions and other lenders.


Charlie Lee
714-957-6334 |

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