Comparison
Kairo vs. RouteOne
RouteOne is a dealer credit-application gateway — a joint venture owned by Ally, Ford Credit, TD, and other captives — free to dealers and funded by lenders.
RouteOne is a shared utility: dealers send applications through it to participating finance sources. Kairo is what a lender runs on its own side — a branded platform to originate, decision, and service its book, rather than depending on a gateway controlled by the largest captives.
| Kairo | RouteOne | |
|---|---|---|
| Who it's built for | The lender / captive | Dealers (shared gateway) |
| Ownership | Your platform | JV owned by major captives |
| Decisioning | Your AI scorecard & rules | Passes apps to finance sources |
| Servicing | Full origination → servicing | Application routing only |
| Branding | White-label, your brand | Shared industry utility |
| Pricing | Transparent monthly plans | Free to dealers; lender-funded |
How is Kairo different from RouteOne?
RouteOne is a shared credit-application gateway that routes dealer deals to finance sources. Kairo is a lender's own end-to-end platform — decisioning, origination, and servicing under your brand — so you aren't dependent on a utility owned by the largest captives.
Does RouteOne charge dealers?
RouteOne is generally free to dealers and funded by the lenders and OEMs that own it. Kairo serves the lender side with transparent monthly pricing.
See Kairo against RouteOne
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