RouteOne: One Electronic Route To Multiple Lenders

A credit application submits electronically through RouteOne rather than as a paper form, part of DealerClick's lender integrations alongside DealerTrack and CUDL, with automated credit application routing and multi-lender comparison tools built around that submission. Finance and credit integrations built into DealerClick's own site connect the same way, routing an application through RouteOne for multi-lender credit applications rather than a single-lender form.

The same electronic route applies past a standard car deal: marine dealers connect through RouteOne for lending alongside DealerTrack for credit applications and contracting, and RV dealers submit a credit application through RouteOne on loan terms that run 10 to 20 years on some motorhome and travel-trailer deals, submitted the same electronic way a shorter car loan already is.

Automated credit application routing and multi-lender comparison tools sit on top of that RouteOne submission, so results come back organized across lenders rather than as one offer to evaluate at a time. DealerClick lists RouteOne alongside CUDL and DealerTrack as part of the same lender-integration set, not a single-lender tool bolted onto the DMS.

DealerClick's lender integrations include RouteOne, CUDL, and DealerTrack. Which lenders actually see a submitted application depends on the dealership's own lender connections rather than a setting inside the DMS.

A credit application submits electronically through RouteOne to multiple lenders. Separately, DealerClick's LoanOffer flow reaches up to 800 lenders; the full sequence, from pre-qualification through e-signature, lives on DealerClick's lenders page rather than being repeated here.

A buyer can fill out a credit application on the dealership's own site or through the LoanOffer widget. LoanOffer calculates a pre-qualification result and lets the buyer know whether they qualify for financing without affecting their credit score, before an application is ever routed through RouteOne to a lender.

Once pre-qualified, DealerClick automatically creates a new deal and worksheet and notifies the dealership by text and email. From there, the application goes out electronically to up to 800 lenders, or to a dealership's own preferred lenders, reaching several of them at once instead of one at a time.

LoanOffer's decision engine compares the submitted application against each lender's requirements and returns filterable results, so approvals come back organized by profit, APR, or payment instead of one offer at a time.

Once an approval is accepted, DealerClick generates the deal documents and sends them to the borrower for e-signature by text or email. After the signed documents come back, delivery of the vehicle is handled from the same DealerClick screen.