Marketing Solutions for Financial Institutions

Interest Rates Have Increased We've all noticed that interest rates have risen over the past several months. The Fed isn’t done with rate increases, and this limits the number of prospects that qualify to refinance their vehicles. In some markets, available prospects...

We have the solutions to getting your auto loans processed in a timely manner. Vehicle values have risen substantially in recent years, leading to more opportunities to refinance your automobile. These increased opportunities have led to a rise in auto loan...

Rate Increases Got Your Loan Volume Down? As interest rates increase and the mortgage market slows, many financial institutions are seeing a decrease in loan volume.  Our Stellar Auto Loan Recapture Program continues to perform extremely well for our clients. Since...

Credit Union Members are Vulnerable A comprehensive growth strategy requires both an offensive and defensive approach. Member retention is essential to the financial growth and success of any credit union. Obtaining new members requires a lot of time, money, and...

Member Retention is Essential to Growth Think about how much it costs to secure a new member. Now think about how little time and money you dedicate to retaining them long-term.  With the Stellar Financial Group's auto recapture program, an integral part of the...

Stellar Lead Exclusivity Unlike many of our competitors, The Stellar Financial Group offers both member and prospective member lead exclusivity. There is NO data overlap between clients.   Each client’s confidential information is secured in separate silos. All...

A Stellar Pricing Solution Let’s be honest, everything in business always comes down to the money. The difference here at The Stellar Financial Group is we don’t let money get in the way of a viable solution for our clients. Our success-based fee structure has a...

Our Multi-Channel Marketing Strategy One of the Stellar Financial Group's strategic differences is our 7-Touch marketing approach to auto refinancing. While most companies mail a letter and wait for a response, we build your brand in multiple different ways. And by...

The 2nd Stellar Difference is Marketing & Branding. Unlike many of our competitors, all marketing support used in Stellar's Auto Loan Recapture Program is completely branded to your Financial Institution! Your institution can benefit from thousands of dollars in...

If you think all Auto Loan Recapture Programs are the same, we'd love to show you the Stellar Difference! In this video series, we'll show you what key aspects of our Auto Loan Recapture Program make it a Stellar Solution for any financial institution. Watch Stellar's...

Today there are over 3 million loans (totaling over 90 billion) that qualify to be refinanced. This is your alternative solution to combat the reduction in mortgage applications. Turbo-Charge Direct Lending Stellar’s Auto Loan Recapture Program offers a turn-key...

Browse Our Product Solutions at Your Convenience We are very excited to launch The Stellar Market Analysis Portal. This virtual marketing site allows potential clients the ability to browse our product solutions, pull auto refi counts applicable to their market, and...

How Much of Your Portfolio is "Indirect"? According to the NCUA, credit unions have acquired a significant portion of their auto loan portfolio from indirect loans. There’s over $1.3 trillion dollars worth of auto loans borrowed by consumers across the country, with...

The country is reopening in ways many of us have been eagerly waiting for since the spring of 2020. Many credit unions are realizing the elusive return to “normal” is nothing more than a fantasy. The tangible impact of the pandemic is forcing most to reevaluate their...

We have all seen the news.  The pandemic has disrupted the supply chains for many lines of business this past year. One such line of business is new automobile manufacturing. Today’s new vehicles use many of the same semiconductor chips that are used in other...

Most credit unions have made changes to their field of membership in recent years, to help consumers in their market financially. Many have been approved to expand their footprint through community charters, to help serve the underserved, or have developed association...

Over the past 20 years of working with community banks and credit unions, we have witnessed first-hand how high-performing institutions adapt to improve their marketing efforts. The #1 trait these institutions have is a persistency and commitment to executing...

What you need to know about the Stellar Auto Loan Recapture Program Over the years, we've had many people ask us: “How does Stellar's Auto Loan Recapture Program work?” For this article, we have compiled a list of questions and answers about our direct auto loan...

NEVER Turn Off Demand!Many credit unions are struggling to achieve a 50% loan to share ratio. Some of those have used indirect or purchased loan participations to enhance their loan/share ratio. Then there’s the credit union which has found a strong loan demand…even...

Auto Participations are HOT, HOT, HOT!!!Why? Well, several reasons. One has to do with the demand that is being driven by the high liquidity of most financial institutions and the hunt for low-risk assets that yield a decent premium. Auto loans have been a great...

The case for a more balanced auto loan approach. STELLAR AUTO LOANS SUCCESS FEE-BASED AUTO REFINANCING PROGRAM PROVIDES REAL MEMBERSHIP GROWTH THAT IS EXTREMELY PROFITABLE TO THE CREDIT UNION.New Member Growth Strategies Most credit unions are typically looking for...

THE QUESTION WE HAD TO ANSWER EARLY ON WAS “HOW CAN WE BECOME FASTER, BETTER, AND MORE EFFICIENT, WHILE PROVIDING A BETTER CUSTOMER EXPERIENCE?”Gravity Lending set out to offer a vast array of consumer lending products, connecting consumers to lenders for the lowest...

The last few quarters of the 2020 pandemic have changed consumer behavior. Businesses have had to cope with many barriers to business as usual, with closures, social distancing, reduced foot traffic, etc. Consumers are faced with both family health and financial...

We have all seen the studies. Most consumers are living from paycheck to paycheck. Since the Great Recession, the median income has fallen by 13% from 2004 levels, while expenditures have increased by nearly 14%. In another recent study, it was determined that nearly...

Overview Most institutions understand the need to grow organically and provide a stable membership base. Members that use a credit union as their Primary Financial Institution (PFI) generate dependable assets and deposits for planned future growth. Typically, the more...

Credit Unions have been helping members finance vehicles since they were first established. Over many decades CUs have grown their indirect auto loan portfolio with aggressive rates and technological upgrades through dealership financing relationships. Unfortunately,...

Indirect Auto Loans Have Created a Direct Dilemma   The indirect auto loan source has historically been a dilemma for bankers of financial institutions. The good news is that it provides a relatively steady source of loans. They increase the assets of an institution...

Credit Unions have been helping members finance vehicles ever since they were first established. Over many decades, CU’s have grown their indirect auto loan portfolio with aggressive rates and technology upgrades through dealership financing relationships....

Every credit union understands the need to keep more assets on the balance sheets. Profitable loans are the lifeblood for all banking institutions. All asset managers understand the principle of generating interest income. But it is not as simple as monitoring the...

Credit Unions have helped members finance vehicles since the first credit union was established. Over many decades, CU’s have grown their indirect auto loan portfolio by leaps and bounds, with aggressive rates and technology upgrades through dealership financing...

How great would it be to have a crystal ball that accurately predicts the future? What might it foresee when it comes to strategic planning and budgeting for auto lending in 2020? Available on the market are a myriad of “future analytic” programs that predict...

SALrefi.com is an innovative, consumer-facing web platform. This free online service helps consumers find the best auto refinance option in their market.   We're off and running with our new online auto-refi lead source - SALrefi.com. We initially wondered how...

The brutal reality to the question above is: "It depends on the cost of acquisition, and any lost opportunities." Auto loans are the "lifeblood" for most credit unions needing assets. When credit unions were first formed, most were SEG based, trying to help members of...

Auto lending has increasingly become a profit center for the credit union industry over the years. Most credit unions offer some type of auto loan financing whether directly to their members or through auto dealerships and other relationships. In this article, I will...

One question I hear frequently from financial executives this time of year is the following: Why spend marketing dollars on new or used auto loans in the summer since these are the peak months for auto loans anyway? This question is a good one, especially considering...

We have all seen the studies. Most consumers are living from paycheck to paycheck. Since the Great Recession, median income has fallen by 13% from 2004 levels, while expenditures have increased by nearly 14%. 1 In another recent study, it was determined that almost...