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Cooperative Credit System


Lenders and businesses cooperating to make fair, affordable financing accessible to customers


The current state of the banking and financial services industries has made unsecured financing inaccessible to most consumers wishing to buy the things they want or need. Businesses like yours are experiencing lower sales due to the lack of effective financing solutions available to your customers. Banks and conventional lenders can only service the needs of highly prime borrowers which represents less than 20% of the total market.
Cooperative Credit Systems is not a bank and does not represent banks. Cooperative Credit Systems is a national network of major, aggressive private lenders striving to make credit accessible to consumers under fair, understandable and simple terms.
Unlike banks or bank backed lenders, CCS can loan on an unsecured basis to consumers with a broad range of credit profiles from sub-prime, credit challenged individuals to high credit score borrowers. This is possible since, with the CCS approach, businesses requiring financing for their customers and the lenders providing the financing share in the cost of the credit. With this unique approach, the business, consumer and lender all benefit equally from the process.

The CCS Consumer Financing Program is ideal for:

Interest rates to the borrower vary between 14.5% and 17.9% based upon the borrower’s credit score. Rates are simple interest and fixed for the full term of the loan. There are no fluctuating or escalating rates and no hidden or additional fees. Any loan can be paid off early at any time without penalty or additional cost.
There is absolutely no recourse liability to the business offering the financing
The cost to the business offering the financing is a “Discount” or “Buy Down” factor which is a percentage of the loan amount. This factor is based upon the credit profile of a specific applying ¬†¬†consumer-borrower.
Loan applications can be submitted by phone, online or by fax. Approvals take approximately 20 minutes during normal operating hours.
Each participating business receives a private and secure online loan management system as well as online application form which can be posted on their website.