Borrowing

Pre-approved. Instant in most cases.

A simple way to access pre-approved borrowing, demonstrate affordability, sign and receive funds — all through one digital experience.

Pre-approved lending  ·  Instant decisions  ·  Digital signatures  ·  Faster funds

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Apply in minutes. Decide in moments.

Digital from the first step.

Applying for a loan shouldn't mean lengthy forms, paperwork and unnecessary waiting. Murmuration creates a simple digital application journey members can complete wherever they are.

Real-time income and expenditure information helps reduce form filling and gives your lending team a clearer picture from the outset.

01

Simple application

Guide members through a straightforward digital journey with only the information you need.

02

Real-time income & expenditure

Build a clearer, more current picture of affordability as part of the application.

03

Open Banking

Members can securely share financial information to support their application.

Understand affordability, not just a credit score

Responsible lending starts with understanding what a member can realistically afford.

With Open Banking, members can securely share financial information to support their application — helping your credit union build a more accurate and up-to-date picture.

From instant decision to funds.

Keep the experience moving once approved.

Digital agreements and signatures remove the need for paperwork and make it easier for members to complete the final steps wherever they are.

Digital agreements

No printing. No posting. No unnecessary delays.

Connected records

Signed documents stay connected to the member and their application.

Funds available

Approved funds can be made available without unnecessary manual handoffs.

One connected journey from application to funds.

Make it easier for existing members to borrow again

Less starting over. More joined-up lending.

The relationship doesn't end when the first loan is made. Eligible members can apply to top up their existing borrowing through the same familiar digital experience.

Because Murmuration already connects the member, their accounts and their lending relationship, the journey can start with more context and less repetition.

Faster doesn't mean less responsible

Technology makes the journey faster. Your credit union stays in control.

A better borrowing experience is about removing the delays that cause friction and member queries, while giving your credit union better information for the decisions that need judgement.

Open Banking affordability, real-time income and expenditure information and connected member data help your team understand each application in context. Your lending policies and decision-making remain yours.

For members

A simpler application, clearer progress, digital signatures and faster access to approved funds.

For your lending team

Better affordability information, less manual administration and a connected view from beginning to end.

For your credit union

A modern lending experience built around responsible decisions and stronger member relationships.

Make borrowing feel easier

Fewer barriers. Better decisions. Stronger member outcomes.

From the first application to the final drawdown, give members a borrowing journey that’s simple, transparent and built around them — and give your credit union the insight and control to lend with confidence.

A better borrowing experience for members. Better decisions for you.

Enquire NowExplore Credit Union Lending