APIs > CUDL Connect API
One API for your entire lending partner ecosystem
Connect approved third-party partners to arc OS for loan submission, data export, document handling, and more — through a single, secure API.
The CUDL Connect API gives lenders and their partners the tools to submit applications, exchange documents, retrieve decisions, and export data — all within a unified integration that fits into your existing infrastructure without added complexity.
Loan submission
Submit loan applications from approved third-party partners swiftly and securely.
Data export
Export loan and application data to your preferred retention or analytics systems.
Versioning
Backward compatibility is maintained as the API evolves over time.
Security
Encryption, authentication, and access controls protect every transaction.
how it works
The CUDL Connect API brings together a myriad of services in a unified API enhancing simplicity and facilitating seamless integration.
■ Loan application submission
■ Loan comments
■ Document upload
■ Decision updates
■ Data retrieval
■ Document retrieval
■ Dealer data import
■ Loan payoff data upload
Use case
A partner management system needs to submit auto loan applications directly to a credit union's arc OS instance and receive real-time decision updates. Using the CUDL Connect API, the partner authenticates, submits the application with all required fields, attaches supporting documents, and listens for decision updates — without any manual handoff between systems. Loan comments and payoff data flow through the same integration, keeping both sides in sync throughout the loan lifecycle.
Lender benefits
Single integration point
Replace multiple point-to-point connections with one unified API, reducing integration complexity and maintenance overhead across your partner ecosystem.
Automation and efficiency
Loan submission, document exchange, and decision updates flow automatically between systems — eliminating manual handoffs and reducing processing time.
Real-time decision visibility
Partners receive decision updates as they happen, keeping borrowers informed faster and reducing back-and-forth between dealerships and lenders.
Flexible data export
Export loan and application data to the retention, compliance, or analytics platforms your team already uses — on your schedule.
Full loan lifecycle coverage
From initial application through payoff data upload, the API supports every stage of the loan lifecycle in a single integration — no gaps, no workarounds.
Enterprise-grade security
Every transaction is protected by encryption, token-based authentication, and granular access controls — meeting the security requirements of credit unions and their partners.
Ready to get started?
Contact your Credit Union Lender Client Representative today to learn more. We’re looking forward to answering your questions and assist you in getting started.
