RouteOne Alternative for Car Dealerships

RouteOne moves the finished deal to lenders. LeadLocate fills the finance office in the first place, with exclusive local leads, a full CRM and SecureWebX credit applications that arrive complete, consented and ready to submit.

RouteOne is one of the two credit networks most US finance managers use every day. It was formed by captive finance companies, and its core job is simple to describe: a desk enters a credit application once, sends it to the lenders the store works with, and reads the decisions back on one screen instead of logging into a separate site for every bank. Around that core the company has built contracting and digital retail tools for the business office, and many captive and bank lenders accept deals through it.

That network is the reason stores search for it by name. A finance manager who knows the screens can structure, submit and restructure a deal quickly, and the relationships with the lenders on the other end are what give the product its value. Nobody replaces that in a week, and there is no reason to try.

Packaging, fees and lender coverage change over time, so confirm current pricing and terms with the vendor directly and ask which of your lenders are live on it today. That list is the single most important fact about any credit network, and only the vendor can give it to you.

Most dealers who search for a RouteOne alternative are not unhappy with lender submission. They are unhappy with what happens before a deal ever reaches the finance office. Leads go cold on a salesperson's personal phone. A customer says they will fill out the credit application at home and never does. A co-buyer's paystubs arrive as blurry photos in a text thread. The deal gets to the desk late, incomplete, or not at all.

That is the part LeadLocate owns. RouteOne keeps doing what it does well, which is moving a finished application to lenders and bringing decisions back. LeadLocate supplies the customers, works them by text, phone and email until they are ready, collects a complete application with documents and consent attached, and gives the desk a worksheet that matches what the customer saw on their own phone.

Run that way, the two products never compete for the same job. Your finance manager keeps the network and the lender relationships exactly as they are, and every other part of the sale gets faster. If you want the wider picture of how intake and submission split, our guide to lender connections walks through it step by step.

Leave your number and a lead specialist calls you back to answer your questions about pricing, coverage, and setup. Mon - Sat, 9:00 AM - 6:00 PM Pacific.

Prefer to talk right now? Call or text 844-376-2274.

SecureWebX is the credit application system inside the LeadLocate platform, and it is built for the front half of the finance process. The customer completes a five step application covering personal details, residence, employment, income and a final review. It takes a co-applicant, accepts an ITIN as well as a Social Security number, captures down payment and trade-in, and records an electronic signature against the exact version of your terms and consent language the customer saw.

Every store gets branded apply links. A salesperson texts one to a customer, puts it on a lead page or prints it on a card, and the application can be customized with extra sections, custom fields, document uploads and your own disclosures. The public form carries bot protection, and when someone starts an application and walks away, that abandoned application flows back to the CRM so a salesperson can follow up the same day.

Completed applications land in a shared inbox with status, assignee, amount and notes, so nothing waits on one person's email. Stipulations are tracked with upload to fulfill, adverse action notices are generated from the application record, OFAC screening runs from the file, and state disclosures are managed per store. Two factor sign in, encryption at rest, virus scanning on uploads, a full audit log and an archive that keeps every record round out the compliance side.

This table lines the two up by job. Features change on both sides, so verify anything that drives your decision with each vendor.

Every finance office has a handful of lenders that sit outside the network it submits through. A local credit union that wants the file by email. A community bank the owner has banked with for years. A buy here pay here partner or a specialty lender on the subprime side with its own process. Those deals usually move by fax, by an unencrypted email attachment, or by someone retyping the whole application into a website.

The Send to Lender share in SecureWebX handles those lenders cleanly. The finance manager shares the application with any lender the store chooses. The share is gated by a code, expires on schedule, can be revoked at any moment, and shows the application in a watermarked viewer. The lender reviews the file and answers through its own secure response page, and the decision lands back on the application record where the desk can see it.

For lenders and back office systems that want a file in a specific format, SecureWebX exports an application in the format the receiver expects, including STAR XML, fixed width, CSV and JSON, delivered over SFTP, a REST connection, PGP encrypted email or a secure portal. eFax covers the lenders who still live on the fax machine, with numbers set up per store.

Ask a finance director where deals are lost and the first answer is usually structure or approvals. Watch the floor for a week and a different picture shows up. Deals are lost long before submission, because the customer was never reached quickly, never followed up with, or never finished the application.

LeadLocate attacks that stretch directly. Leads arrive from the Leads Manager zone you define, and every lead in your zone is delivered to you and only you, prescreened at capture with the questions you choose, and backed by a replacement review. Stores that sell special finance can run campaigns built for subprime auto loan shoppers, and those customers are exactly the ones who finish an application at home rather than across a desk.

From there the CRM works the lead. The first text can fire automatically, follow up processes keep touching the customer on a schedule, a salesperson calls from the VoIP softphone with the call recorded and transcribed, and Call Alerts flag the calls where a customer said the words the store chose, such as trade in or payment. The apply link goes out inside the same conversation. By the time the file reaches the finance office it is complete, and RouteOne gets a better application to send.

An application is only useful next to a structure the customer believes. EZ Desking in DealTracker builds cash, finance and lease structures with a multi pencil grid and goal seek bays, a fifty state tax matrix, semimonthly payment frequency, trade credit caps and three lease tax methods. Worksheets in SecureWebX run the same engine, and a worksheet built in CRM desking can be pushed straight to the application so nobody retypes numbers between screens.

The customer sees the deal on a DealTracker deal page branded to your store, opened on their own phone with a PIN, with revision history and e-signature. Deal chat keeps the conversation with the salesperson on the deal itself, photos included. The deal jacket takes uploads from a phone camera through a QR code, the identity scanner reads a driver license or insurance card straight into the customer record, and print packets carry payment ranges and the finance breakdown, down to #10 envelope templates with First Class postage.

None of that touches RouteOne. The finance manager still submits exactly as before. What changes is that the customer arrives at the desk already agreeing with the numbers, which is the fastest way to shorten the time a deal spends in the box. The desking tool page shows the engine in more detail.

Adding LeadLocate beside RouteOne is a sales side change, so there is no conversion and nothing to reconcile. The finance office keeps its logins, its lenders and its routine. A realistic plan looks like this.

1. Draw your zone in the Leads Manager zone editor, choose your campaign type and prescreening questions, and preview sample ads. Our team builds and runs the campaigns from those selections.
2. Set up apply links for each salesperson and add your disclosures and document requirements to the application.
3. Load your follow up processes and automated templates so every new lead gets a first text and a schedule of touches.
4. Decide which outside lenders get the Send to Lender share and which prefer an exported file or eFax.
5. Measure time to first response, completed applications per week and deals reaching the desk with stipulations already cleared.

We cannot guarantee lead counts, approvals or results, and no vendor can. What you get is a month of your own numbers to judge by, on terms with no long term contract. Book a walkthrough on the live demo or call 844-376-2274.

Does LeadLocate replace RouteOne?

LeadLocate runs beside it. Keep RouteOne for lender submission and contracting, and use LeadLocate for leads, the CRM, texting and calling, SecureWebX credit applications, the Send to Lender share and DealTracker desking.

Can applications from SecureWebX go to lenders we already use?

Yes. Your finance manager submits through the network you use today, and for lenders outside it the Send to Lender share delivers a code gated, expiring, watermarked copy of the application. SecureWebX also exports applications in formats such as STAR XML, CSV and JSON.

Who pulls credit?

Credit reports stay with the bureau account and providers your store already uses. SecureWebX collects the application, consent, documents and stipulations, and screens against OFAC, so the file is ready when your finance office pulls and submits.

Are the leads exclusive?

Yes. Every lead in your zone is delivered to you and only you, prescreened at capture with the questions you choose, and backed by a replacement review, so a bad lead costs you nothing.

Do we need a DMS integration to start?

No. A DMS connection and an inventory feed are not required. LeadLocate runs beside the dealer management system you run, and deal posting and accounting stay there.

What does it cost?

CRM Only starts at $199 a month, and plans with exclusive local leads start at $799. Everything is month to month with no long term contract. The pricing page lists every plan.

Keep your lender network exactly where it is. We will map a zone around your store, show you apply links and the application inbox on real deals, and give you a straight number. Month to month.

Prefer to talk right now? Call or text 844-376-2274.