RouteOne streamlines the credit application process

Credit Application System

The clear path to success begins here. Are You on the Right Route?®

There’s a reason 18,000 dealers are on RouteOne. We understand what it takes to succeed in the automotive business. RouteOne was born from four captive finance companies and has grown to become the web-based credit application management system dealers trust. RouteOne gives you speed to close deals faster, access to nearly 1,200 finance sources, and simplicity of use. But RouteOne is so much more! We’re a true partner that supports F&I managers with a suite of technology applications, training, and dedicated support.
We streamline your credit application process. In fact, we are constantly improving and refining our technology based on your needs. That’s right. We listen. We ask for input. We are designed by dealers, for dealers.  We make it easy for you to check leads and close deals, whether you are at work, at home with your family, or on the golf course; so you can move on to what’s important.
Choose the products that meet your needs.

Studies show that over 85 percent of auto financing happens at the dealership.  But you can’t provide auto financing and leasing unless you have the right systems and finance source relationships in place.  RouteOne offers a single point of entry for all your credit applications to both captive and non-captive finance sources. Our core credit application system is complimentary to dealers and will make your life a whole lot easier. You can choose from a suite of premium products that will give you everything you need to work efficiently and maximize your sales goals. 


  • Credit Applications
  • Reporting Suite
  • Compliance Dashboard
  • Credit Bureau integration
  • DSP/DMS integration
  • Mobile tools
  • And more…

Premium Services

  • eContracting
  • ID Verification
  • Vehicle Values
  • Electronic Document Storage
  • Consumer-facing web application


Access a large finance source network

Whether it is a local credit union, community bank, or large national finance source, we have you covered.  With the RouteOne credit application platform, you’ll get access to a large network of indirect finance sources to give you and your customers a wide range of auto financing  and leasing options.  We also provide exclusive access to Ford Motor Credit and Toyota Financial Services.

Count on RouteOne’s Compliance tools

RouteOne provides the tools you need to help protect your customers and help address the laws and regulations that may affect your dealership.  Our compliance tools include:

  • Compliance Dashboard to visually monitor and manage compliance at a glance
  • Risk-Based Pricing - Credit Score Disclosure Notices/Adverse Action Notices
  • Red Flags - Identity Verification
  • Electronic document storage
  • Free reports that track potentially questionable dealer and customer actions
  • Privacy/Security features such as IP blocking and employee permissions
  • Click here to see our complete compliance offering
Work the way you decide

Do you want to be forced into a pre-defined workflow track?   RouteOne doesn’t think you should.  That’s why our systems are designed to be flexible to your way of doing business.

Rely on RouteOne’s security and reliability

Security and reliability are RouteOne’s top priority. We are SSAE 16 certified, which comes from completing a rigorous audit performed by Plante & Moran.  It is one way we demonstrate our commitment to having systems in place that are reliable and properly protect your sensitive dealership and customer data.

Pull credit bureaus easily

Access virtually any credit bureau source through RouteOne by obtaining dealership account credentials from the credit bureau service provider. Enter the codes and pull reports immediately! Without added markup, enable your existing accounts at your negotiated pricing within the same system used to process your credit applications.

Use the DSPs that work best for you

RouteOne has developed a true dealer choice model, providing open access to multiple Dealership Service Providers (DSP), allowing you the option to select which service providers best meet the needs of your business.

Work a deal at lunch (or wherever you happen to be)

Work a deal where your customers are – start on the lot or the showroom floor and finish at your desk, or wherever the deal takes you!  Because it is web-based, not only does the RouteOne credit application system work on just about any computer with a browser, it also works on most mobile and tablet devices too.  We also have apps that you can install on your Apple, Android, Windows, or Blackberry devices.

Download the RouteOne app available for mobile devices by clicking the link below:

Contact RouteOne Support

Count on RouteOne to take care of your needs

Phone: 866.768.8301
Hours of Operation (Eastern)
     Monday - Friday 6:00 am - Midnight
     Saturday 9:00 am - 9:00 pm
Training Resources
Frequently Asked Questions

Get Started with RouteOne!

You can enroll with RouteOne by completing a few easy steps. Follow the step-by-step guide and fill out the Dealer Participation Agreement below to get started today!

Call Now

It is simple. Call 866.768.8301 today or complete the form listed to get started.