Why can’t I purchase credits anymore?

We’ve upgraded how you access Coop AI to make it simpler and more valuable.
Previously, you could purchase credits to ask questions in Coop AI guidelines search on a pay-as-you-go basis. We’ve now moved to an unlimited query model, which means you no longer need to buy individual credits. Instead, unlimited access to Coop AI is now included as part of your annual subscription to Coop+.


This change is designed to give you even more value. Your Coop+ subscription now not only includes unlimited Coop AI queries, but also access to:

  • 100+ Mortgage Masterclasses
  • All Online Federal and State CE Courses*
  • All Online State PE Courses
  • 50% off Live Events
  • All NMLS Banking Fees Paid
  • Exclusive resources and regulatory updates


*Late CE must be purchased separately

If you already have an active subscription, you can start using Coop AI without limits — no extra purchases required.


If you’re interested in subscribing or learning more about what’s included, [click here] to explore our subscription plan.


We hope this makes it easier (and more cost-effective) for you to get the information and training you need — all in one place.