Exhibit (a)(4)



                    OFFER BY CONSUMERS FINANCIAL CORPORATION
                   TO PURCHASE FOR CASH ALL OUTSTANDING SHARES
                     OF ITS 8 1/2% PREFERRED STOCK, SERIES A
                             AT $4.40 NET PER SHARE

================================================================================
 THE OFFER AND WITHDRAWAL RIGHTS WILL EXPIRE AT 12:00 MIDNIGHT, EASTERN DAYLIGHT
   TIME, ON FRIDAY, AUGUST 16, 2002 (THE "EXPIRATION DATE") UNLESS THE OFFER IS
                                    EXTENDED.
================================================================================

                                  July 19, 2002


To Brokers, Dealers, Commercial Banks, Trust Companies and Other Nominees:

     Consumers  Financial  Corporation,  a  Pennsylvania  corporation  (the
"Company"),  is  offering  to  purchase  for  cash all outstanding shares of its
8  1/2%  Preferred Stock, Series A (the "Shares") at a price of $4.40 per Share,
net to the seller in cash, plus accrued dividends on such Shares, upon the terms
and  subject  to  the  conditions  set forth in the Company's Offer to Purchase,
dated  July  19,  2002  (the  "Offer  to  Purchase"),  and the related Letter of
Transmittal  (which,  together  with  the  Offer  to  Purchase,  constitute  the
"Offer"),  which  are  enclosed  herewith. Please furnish copies of the enclosed
materials to those of your clients for whose accounts you hold Shares registered
in  your  name  or  in  the  name  of  your  nominee.

     Enclosed for your information and use are copies of the following
documents:

     1.   Offer  to  Purchase,  dated  July  19,  2002;

     2.   Letter of Transmittal to be used by holders of Shares in accepting the
          Offer  and  tendering  Shares;

     3.   Notice  of  Guaranteed  Delivery to be used to accept the Offer if the
          Shares  and all other required documents are not immediately available
          or  cannot  be  delivered  to  the  Company  by  the  Expiration Date;

     4.   A  letter  to  the  preferred  stockholders  from  the  Company;

     5.   A  letter that may be sent to your clients for whose accounts you hold
          Shares  registered  in  your name or in the name of your nominee, with
          space provided for obtaining such clients' instructions with regard to
          the  Offer;

     6.   Guidelines  for  Certification  of  Taxpayer  Identification Number on
          Substitute  Form  W-9;  and

     7.   Return  envelope  addressed  to  StockTrans,  Inc. ("StockTrans"), the
          depositary  for  the  Offer.

     WE  URGE  YOU  TO CONTACT YOUR CLIENTS AS PROMPTLY AS POSSIBLE. PLEASE NOTE
THAT  THE OFFER AND WITHDRAWAL RIGHTS EXPIRE AT 12:00 MIDNIGHT, EASTERN DAYLIGHT
TIME,  ON  AUGUST  16,  2002,  UNLESS  THE  OFFER  IS  EXTENDED.



     In all cases, payment for Shares accepted for payment pursuant to the Offer
will  be made only after timely receipt by StockTrans of certificates evidencing
such  Shares,  a Letter of Transmittal (or facsimile thereof) properly completed
and  duly  executed  and  any  other  required  documents.

     If  holders of Shares wish to tender, but cannot deliver their certificates
or  other  required  documents prior to the expiration of the Offer, a tender of
Shares  may be effected by following the guaranteed delivery procedure described
under  "The  Tender  Offer--Procedures  for  Accepting  the  Offer and Tendering
Shares"  in  the  Offer  to  Purchase.

     The  Company  will not pay any fees or commissions to any broker, dealer or
other  person  in connection with the solicitation of tenders of Shares pursuant
to the Offer.  However, the Company will reimburse you for customary mailing and
handling expenses incurred by you in forwarding any of the enclosed materials to
your  clients. The Company will pay or cause to be paid any stock transfer taxes
payable  with respect to the transfer of Shares, except as otherwise provided in
Instruction  6  of  the  Letter  of  Transmittal.

     Any  inquiries you may have with respect to the Offer should be directed to
StockTrans at the address and telephone numbers set forth on the back cover page
of  the  Offer to Purchase. Additional copies of the enclosed materials may also
be  obtained  by  contacting  StockTrans.

                                                 Very  truly  yours,

                                                 CONSUMERS FINANCIAL CORPORATION


                          =============================


     NOTHING  CONTAINED  HEREIN OR IN THE ENCLOSED DOCUMENTS SHALL RENDER YOU OR
ANY  OTHER PERSON THE AGENT OF THE COMPANY, OR AUTHORIZE YOU OR ANY OTHER PERSON
TO  USE  ANY  DOCUMENT  OR  TO  MAKE  ANY  STATEMENT ON BEHALF OF THE COMPANY IN
CONNECTION  WITH  THE  OFFER OTHER THAN THE ENCLOSED DOCUMENT AND THE STATEMENTS
CONTAINED  THEREIN.


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