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Integrated payment protection, powered by TruStage

Today’s members expect convenience, clarity and control. TruStage™ delivers without the friction.

Our integrated payment protection solution empowers members to explore and express interest in coverage directly in the digital loan application — no paper, no pressure and no extra work for staff. It’s protection that fits the way people borrow today.

A family enjoys breakfast after the parents select TruStage payment protection.

What’s new: The member purchase journey

You can now integrate dynamic payment protection options directly into your loan application system. This provides members with real-time eligibility checks, helpful on-screen education and the ability to make their selection within the application itself.

Start to finish, integrated payment protection eliminates friction by embedding protection choices directly where members need them the most — in the application. Simple, fast and seamless — this is a game-changer for digital lending.

An LGBT couple considers debt protection during their digital loan application.

Benefits of our integrated experience:

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On-screen education

Helpful, easy-to-understand content appears at key moments — no digging, no confusion.

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Real-time eligibility check

Members automatically see only the payment protection options they qualify for.

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In-app selection

Members make their protection decisions during the loan application, not after.

Why digital education matters:

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Protection elections rise

When clear content is added, elections rise by 13%¹ and over 80% would elect protection again if offered clearly.³

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More interest

82% of consumers are interested in protection (up from 64%).¹

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Clear, contextual options

24% of digital users choose protection when options are clear and contextual.²

A proven solution for credit unions nationwide

In today's competitive lending environment, credit unions need proven, easy-to-implement solutions that meet member expectations without adding complexity for staff. TruStage delivers a scalable, integrated payment protection experience designed to fit effortlessly into any lending workflow.

  • 650+ credit unions nationwide served.¹

Our commitment to the credit union movement is reflected in the trust placed in us by our partners nationwide. This widespread adoption and high satisfaction demonstrate our ability to help institutions reduce risk and create satisfied members.

  • 97% recommendation rate among credit unions.²

Built for lending teams, not more work

Instant document integration: Member selections flow directly into loan docs. No rekeying. No extra steps.

No custom coding required: Designed to fit your tech stack without complex integrations or constant updates.

Supports all major protection products:

  • Debt Protection
  • Credit Insurance
  • GAP

Compatible with leading loan origination system (LOS) and lending platforms.

We work with credit unions of all sizes to keep lending simple, smart and scalable.

Smarter protection, seamlessly delivered.

Turn member interest into action — without manual work or missed opportunities.

The TruStage purchase journey brings payment protection directly into the digital loan process. See how it simplifies the experience for your members and your team.

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Outdated lending processes are failing to connect credit union members with payment protection.

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A record 82% of borrowers are interested in protection products, yet 55% don't remember being offered protection.¹

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The TruStage integrated payment protection solution delivers an effective,

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multi-channel experience that connects members to payment protection offers during the loan application.

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Our API integration delivers benefits to everyone. Members get the clear, relevant

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information they need to choose protection with confidence, creating a more informed, empowering experience.

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Seamless eligibility confirmation shows members personalized options and pricing.

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If interested, they can add protection to their application without interruption.

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Behind the scenes, member selections instantly feed into your loan origination system for finalization,

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creating efficiencies for your staff. Hundreds of credit unions already trust

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our integrated payment protection solutions to serve millions of members.

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Discover more about delivering lending experiences members expect and the efficiencies your team needs today.

¹TruStage. 2025 Consumer Lending Preferences Study. March 2025.

Ready to integrate payment protection?

Lending should be simple, trusted and beneficial to both staff and members. TruStage makes that possible today.

Get in touch

A TruStage rep responds to a credit union inquiry on her phone.