Clutch and TruStage have joined forces to launch Protection Products: Plan Selection, a major upgrade designed to make the lending process more seamless and transparent for credit unions and their members. The new feature builds on Clutch’s existing digital application platform and eliminates the need for manual follow-ups by automating eligibility checks, plan filtering, and pricing for GAP and Debt Protection/Credit Insurance.
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With this enhancement, members applying for a personal loan, auto loan, or credit card through a credit union can now see accurate protection options in real time, thanks to TruStage’s Product API. The system instantly filters plans based on age, employment, and borrower profiles, ensuring applicants are only shown relevant offers. Coverage can even be selected during the same loan application session, allowing members to finalize their choices without waiting on a follow-up call.
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Corrin Maier, Vice President of Lending Payment Protection at TruStage, explained that this launch demonstrates their commitment to helping credit unions serve members with greater speed and confidence by embedding real-time product selection into Clutch’s lending flow. Tamanna Kottwani, Head of Product at Clutch, emphasized that removing the manual follow-up process eliminates a long-standing barrier to adoption, helping credit unions increase attach rates, accelerate funding, and reduce back-office workload.
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Beyond speed and convenience, the system also provides full audit-ready tracking, with disclosures logged and selections integrated directly into the loan origination system. According to Nicholas Hinrichsen, CEO and Co-Founder of Clutch, this release is another step toward their long-term vision of a fully self-serve, digital lending experience. By expanding their partnership, Clutch and TruStage are setting a new standard for digital lending, empowering credit unions to deliver greater value and efficiency to their members.
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