1-Click Loans – Run it Together

$1,950.00 / one time fee

Pricing starting at $1,950

The 1-Click product is free for credit unions to utilize on their own as part of CU*BASE. This offering brings together the expertise and resources of Lender*VP, Xtend and Asterisk Intelligence to complete the work on behalf of the credit union. Our teams will work with the proper credit union staff to identify members, make offers, follow up with members and present statistical analysis of overall campaign efforts as a wrap up. If your credit union does not have the time or resources to accomplish this marketing effort, hire the experts to do it for you!

Lender*VP will provide the default parameter query and run it for you. We will also work with you for the content of the offer. Lender*VP will launch the offer for you. Xtend will provide the marketing which include 3 emails, 3 online banking messages and up to 300 out bound phone calls to members who have not accepted the offers.


  1. Must have an online credit card portfolio
  2. Must be a CU*Answers CU*BASE client
  3. Must have enhanced online vault
Billing Code: N/A Category:

How it Works:

  1. Lender*VP will work with the Credit Union to define a list of pre-approved memberships, using soft-pull credit scores and / or our default query.  Details of parameters below.
  2. Lender*VP will use CU*BASE tools to flood loan offers into the lending queue and It’s Me 247 for all accounts.
  3. When a member logs in to online or mobile banking, an offer will be presented in a way that makes it clear the loan is theirs for the taking, and that a simple click will open the account so they can immediately withdraw all or part of the available funds. Credit unions have the option for defined sales text will explain the account and terms to the member as part of making the offer (including links to a web page, PDF terms & conditions document, etc.).
    • If the member says “no thanks” to the offer, then the application will simply be deleted from the queue, with no further action.
  4. If the member clicks to accept the loan, the CU*BASE account is immediately opened. The member will be directed either to the transfer wizard to make their first withdrawal, or to the account summary showing the new loan in their list of accounts.
  5. The app record status will be changed in the queue, showing which accounts need follow-up by credit union employees, printing forms, ordering the cards, etc.). Employees can use the electronic checklist as usual; when all tasks are complete the employee uses a “Mark Completed” command to remove the record from the special area and show it in the regular list of booked loans.
  6. Xtend will then market to member who have not accepted the initial offer after an agreed upon amount of time.

Marketing effort consist of the following:

      • Three email campaigns
      • Three online banking messages
      • One round of up to 300 outbound phone calls

Asterisk Intelligence will present a deep dive analysis of overall campaign efforts and results to assist in measurement of ROI 60 days after campaign launches.


Lender*VP will assist you in activating 1-Click Loans and utilizing the new tool kit to qualify members for 1-Click Loan Offers.

1-Click Loans Brochure

1-Click Offers Video

Default Parameters

  • Age 18 or older – age determined by CU
  • Their membership has been open 180 days or longer  –  length of membership determined by CU
  • We have a credit score available on the member, and their score is in a range or greater then X
  • Exclude Members with Invalid Mailing Address
  • Exclude memberships code as MO (organizational accounts)
  • Exclude all members with a currently delinquent loan
  • Exclude all members with a current or historical WO/CO loan
  • Exclude deceased members
  • Exclude members who are below $5.00 par in their 000, or any negative balance share – dollar value determined by CU
  • Exclude members who already have an ONLINE credit card
  • 1 per SSN


MLA grants a number of protections for active duty service people and imposes specific requirements on the credit union in granting credit. At the heart of the matter is the calculation of the Military Annual Rate (MAPR) and the disclosures required prior to or at the time of extension of credit. The act requires that a unique APR be calculated incorporating things such as fees and credit life or disability. The MAPR may not exceed 36%. CU*Answers published a document in November of 2016 outlining the nuances of this calculation along with a flow chart for lenders to use when granting credit to active duty personnel. Also, for credit cards there are additional statement disclosures including the calculation of MAPR in the event credit life and disability would increase the rate above 36%. CU*Answers does not support this disclosure and in 2016 recommended credit unions not include the sale of credit insurance products to active duty military personnel. One click credit cards does not allow the member to elect credit insurance products and it is not recommended that any type of application fee be assessed that may drive the MAPR above 36%.

The act also requires certain disclosures including the following. “Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.” This rate must include, as applicable to the credit transaction or account: The costs associated with credit including fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Oral disclosures are also required which can be done in person or by providing a toll free number where the disclosure is recorded. Such disclosures can be included either in the configuration of the sales messages or providing the member with a link where the disclosure and 1-800 number can be found. The member may not complete the offer without agreeing that such disclosures have been read.

In the event the credit union feels it may violate any of the above it is recommended that one click offers be offered only to those not in active duty. The active duty data element can be pulled with the consumers soft pull credit report and can be used to create the population of members you wish to make the offer too while excluding any individuals with a positive active military status on their credit report.

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