Case Study: Gather Federal Credit Union achieves rapid digital loan growth through seamless prequalification with Experian

How Experian collaborated with Gather Federal Credit Union to implement a frictionless digital prequalification solution that led to bookings of over $600,000 in new personal loans and credit cards in just 3 weeks

Gather Federal Credit Union, the largest neighbor‑island credit union in Hawaii with more than 35,000 members, needed a digital prequalification capability as members moved away from branches and competition from fintechs increased. Prior to partnering with Experian and Rate Reset, Gather had no way for members to opt in and see prequalified offers without affecting their credit score.

Experian’s PowerCurve decisioning combined with Rate Reset’s The Button delivered a turnkey, consumer‑initiated prequalification flow that verifies identity and shows real‑time prequalified offers without a score impact. Within three weeks Gather booked over $600,000 in new personal loans and credit cards and saw a 54% acceptance rate among applicants who passed prequalification, boosting take‑up, improving loan quality, and accelerating digital growth.

Gather Federal Credit Union

Justin Ganaden

Executive Vice President