2025 RESEARCH REPORT
Growth, access, and risk are no longer separate conversations. Connect the dots with this comprehensive market research report from Origence. Discover how credit unions can align indirect lending, AI-driven decisioning, and operational efficiency to better support younger members and underserved communities.
How CUSO alignment and dealer relationships reduce friction across the lending journey.
How technology compresses time to decision and funding while improving pull-through.
How AI expands approvals in underserved and next-gen segments—without increasing risk—through strong governance.
Regional insights including Florida, Georgia, Alabama, Tennessee, and Mississippi.
Next steps for implementing your credit union’s action plan.
of all auto lending happens at the dealership.
of shoppers prefer to start the car-buying process online.
of Gen Z auto buyers are open to buying entirely online.
AT A GLANCE
The Southeast is buzzing with opportunity for credit unions. Younger consumers are entering the market, dealer networks are thriving, and growing communities need access to affordable credit. As more consumers begin their financial journeys at the dealership and online, indirect auto lending has emerged as a powerful way to connect with next-generation members at the moment they need financing most.
Expand dealer reach to connect with members at the point of sale.
Streamline lending experiences that meet digital expectations.
Leverage policy-controlled AI for smarter, responsible underwriting.
Collaborate through CUSOs to scale efficiently and share best practices.
Strengthen governance and risk oversight while innovating responsibly.
Build lasting member relationships beyond a single transaction.
Drawing on regional and state-level insights, this report provides a practical roadmap for piloting, governing, and scaling indirect lending strategies across the Southeast. Explore innovative ways credit unions can responsibly expand access, compete effectively in high-growth markets, and build lasting relationships that extend well beyond a single transaction.
