RouteOne Fusion - Customer Experience

Clicking ‘Prequalify now’ will load the ‘Credit Prequalification’ screen and the fields that need to be completed. 

If the customer completed the ‘Personal Information’ section and their ‘Location’ details earlier in the process, that information will be pre-populated into the corresponding fields. 

RouteOne leverages an external vendor to complete the customer prequalification at this point in the process. If the customer later goes through the credit application process, the credit score obtained from the prequalification will be used to present rates to the customer based on dealership-configured credit ranges. 

The dealer will have access to the prequalification credit score, but the customer will not. The dealer can subscribe to prequalification in ’Premium Services’ within RouteOne. Once the subscription is completed they will then be able to offer prequalification functionality within Fusion.

If the customer did not previously complete the ‘Personal Information’ section and their ‘Location’ details, they can complete that here. They will also need to read the privacy notice and acknowledgment at the bottom of the page, and select the checkboxes acknowledging and agreeing to the terms.  

The customer will click ‘Done’ to submit their prequalification request. 

If the customer is prequalified, they will receive a confirmation message. If additional information is needed to complete the prequalification, a new section will appear requesting their Social Security Number (SSN). They will need to input their SSN, select the checkbox to accept the disclosure notice, and click ‘Try Again.’

If they click ‘Skip Prequalification’ instead to skip the prequalification process, they will be asked to manually input their estimated credit score range or credit score range. 

Once prequalified, the customer will scroll down to the ‘Select your rate’ section. Available payment terms and rates will be displayed here, along with the estimated monthly payment. 

The payment terms and rates are configured by the dealership.

The customer will select the desired payment term and then click ‘Done.’  

If the selected payment term has any additional incentives or rebates, they will then be shown to the customer. The customer can click the ‘More information’ link for each incentive to view program details and eligibility requirements. The customer may then select all incentives that they qualify for and click ‘Save and Continue.’ 

A validation will be performed to determine if the selected rebates or incentives are compatible with each other. If any selected incentives conflict with each other, an alert message will be displayed to the customer. The maximum possible dollar amount will be applied to the deal. 

If the selected payment term does not have any available incentives or rebates, a message will be displayed to the consumer that ‘no incentive and rebate options are available,’ and the customer will click ‘Save and Continue’ to proceed.

Payment Options Without Prequalification

Important: It is encouraged that customers complete prequalification so that they are shown the most accurate terms, rates, and monthly payment options.  

Finance

If a customer wishes to proceed without completing the prequalification process, clicking ‘Select my credit range manually’ will direct them to manually select their self-identified credit score range or credit score range. 

The customer will select their estimated credit score or credit score range, which will then cause their available terms, rates, and monthly payment options to display.  

The customer will select the desired payment term.  

If the selected payment term has any additional incentives or rebates, they will then be shown to the customer. The customer can click the ‘More information’ link for each incentive to view program details and eligibility requirements. The customer will then select all rebates or incentives that they qualify for and click ‘Save and Continue.’ 

A validation will be performed to determine if the selected rebates or incentives are compatible with each other. If any selected rebates or incentives conflict with each other, an alert message will be displayed to the customer. The maximum possible dollar amount will be applied to the deal.  

If the selected payment term does not have any available incentives or rebates, a message will be displayed to the consumer that ‘no incentive and rebate options are available,’ and the customer will click ‘Save and Continue’ to proceed.

The customer will see their overall estimated monthly payment. They can expand or collapse the detailed list of their estimated costs by clicking on the collapsible arrow. 

Recall that taxes and fees are calculated based on the home zip code and state that the customer entered earlier. 

Lease

If a customer wishes to proceed without completing the prequalification process, clicking ‘Enter my credit score manually’ will direct them to manually enter their self-identified credit score or credit score range.

The customer will enter their credit score or credit score range, which will then cause their available terms and monthly payment options to display.  

The customer will select the desired payment term. 

If the selected payment term has any additional incentives or rebates, they will then be shown to the customer. The customer can click the ‘More information’ link for each rebate or incentive to view program details and eligibility requirements. The customer may then select all incentives that they qualify for and click ‘Save and Continue.’ 

A validation will be performed to determine if the selected rebates or incentives are compatible with each other. If any selected rebates or incentives conflict with each other, an alert message will be displayed to the customer. The maximum possible dollar amount will be applied to the deal.  

If the selected payment term does not have any available incentives or rebates, a message will be displayed to the consumer that ‘no incentive and rebate options are available,’ and the customer will click ‘Save and Continue’ to proceed. 

The customer will see their overall estimated monthly payment. They can expand or collapse the detailed list of their estimated costs by clicking on the collapsible arrow.

Recall that taxes and fees are calculated based on the home zip code and state that the customer entered earlier. 

Payment Method: Cash/Other Finance Source

The ‘Cash’ method is used if the customer wants to pay in cash or use financing from another source outside of the dealership. 

The customer will see their estimated total cash price. They can expand or collapse the detailed list of their estimated costs by clicking on the collapsible arrow.  

Trade-in: Manual Entry Option  

Trade-in is an optional section for the customer to complete. Manual entry allows the customer to input information about their trade-in vehicle. 

If the customer did not previously enter their ‘Personal Information’ and ‘Location’ details in the ‘Personal Information’ section, they will be prompted to enter that information when they navigate to the ‘Trade-In’ section. 

Here they will enter information about their trade-in vehicle (e.g., Year, Make, Model, Style, Total distance driven, Estimated value).

Clicking ‘Continue’ will navigate them to the ‘Trade-in Payoff’ screen. See the ‘Trade-in Payoff’ section of this guide for the next steps in the process. 

Trade-In: Vendor Integration Option

Trade-in is an optional section for the customer to complete.

RouteOne has integrations with multiple vendors to more accurately estimate the trade-in value. 

Depending on the vendor you are using for trade-in, your dealership may be required to have a separate agreement in place with the vendor.

Trade-in Example: Trade Pending

The customer will be navigated to the ‘Trade-in estimate’ screen and will begin entering their trade-in vehicle information. 

They will have 3 options to choose from to provide trade-in information. 

Search: Allows customer to enter mileage and Year, Make, Model, and Trim

VIN: Allows customer to enter mileage and VIN

Plate: Allows customer to enter mileage, license plate number, and state

Once the customer has entered their trade-in information, they will click ‘Continue’ to proceed to the next screen. 

On the next screen the customer will be prompted to answer questions related to their trade-in vehicle, such as color, condition of interior and exterior, and other items to accurately estimate trade-in value. Once the customer has completed all questions, they will click ‘Continue’ to proceed to the next screen.

On the next screen, the customer will be provided with an estimated trade-in value amount. 

Trade-in Payoff

Payoff: Manual Entry

The customer can manually enter their trade-in payoff information, if known, by typing in the payoff amount, then clicking ‘Done.’ 

This will manually apply the value of the remaining payoff loan amount to their estimated trade-in total. 

Payoff: Prequalification

If the customer went through the prequalification process, after adding their estimated trade-in amount, they will be routed to a screen displaying their trade-in value and potentially matching loan details (if any).

They can select the correct existing loan(s), if any, and click ‘Done’ to apply the appropriate loan(s) to their estimated trade-in total.

• If the correct loan is not listed, the customer can select ‘My payoff amount is not listed’ and manually enter the loan payoff information. 
• The customer can also choose to ‘Ignore payoff amount’ if they do not wish to add the trade-in to their deal.  If they do so, the trade-in will be calculated with a payoff amount of $0. 

Vehicle Protection 

Vehicle Protection is an optional section for the customer to complete. RouteOne has integrated Fusion with RouteOne Menu Powered by MaximTrak to provide an easy way to explore vehicle protection options and understand how they may impact a customer’s monthly payment. 

In the ‘Vehicle Protection’ section, the customer will be prompted to complete a brief questionnaire to receive personalized vehicle protection recommendations.

They will click ‘Get Started’ to proceed.

Based on the preferences and configurations set by your dealership, the questionnaire may include sections related to the customer’s driving habits, vehicle mileage, vehicle maintenance, vehicle storage, and vehicle usage. 

In order to display available protection products, the customer is minimally required to answer the questions about the number of years they expect to keep the vehicle and average mileage per year.  

After completing the questions and clicking ‘Continue,’ the customer will see a loading screen while the system generates their vehicle protection coverage recommendations.

The customer is presented with a list of available vehicle protection products, which includes the product name (e.g., extended warranty), cost per month, total cost, additional details, and a product video with more information to help them reach an informed decision.

The protection products are configurable by your dealership. Product pricing can be configured to include dealership markups.

Products are added to the deal by selecting the ‘+’ button on each specific product.

The customer can click the ‘Play’ button next to ‘More Information’ to play a product video and learn more about the vehicle protection option selected.

The collapsible arrow on ‘More’ will expand to provide highlights about the product. To collapse the details, the customer can click ‘Less.’ They can also click to see any related ‘Disclaimers’ for each product. 

A product can always be removed by clicking the ‘X’ button.

To add the selected products to the deal, the customer will click ‘Save and continue.’ 

To skip this section, they can click ‘Save and continue’ without selecting any protection products. 

They also have the option of retaking the questionnaire by clicking ‘Re-do vehicle protection questions.’ 

Apply for Financing

RouteOne has integrated Fusion with the RouteOne Online Credit Application to allow customers to submit a credit application before submitting their deal to the dealership.

Within ‘Apply for financing,’ the customer can click ‘Get Started’ to begin the online credit application process. 

The customer will input their information into the RouteOne Online Credit Application. 

Once complete, they will be able to review their information, read and consent to the necessary disclosures and authorizations, and accept the dealership's privacy notice.

Once the credit application has been submitted, the customer will land on a confirmation screen. 

When the ‘Fetching rates’ message is shown under ‘Select your rate,’ the application is being processed. 

A list of potential financial institutions to whom the credit application may be submitted is also displayed under ‘Which financial institutions?’ 

When decisions are available, they will be presented to the customer.

The customer will be able to view the different terms, rates, and monthly payment options. They can select their desired option and click ‘Done.’ 

If the customer is not approved for any terms and rates, messaging will display indicating that the dealership will follow up with them.

Finish and Submit 

Clicking ‘Finish & Submit’ will show a summary of the deal for the customer to review. 

If the customer skipped providing their personal information, they will be prompted to complete that section at this time. 

When ready, they can click ‘Submit Deal.’

The ‘Deal Submitted’ screen will load. The customer will receive a confirmation email summarizing the details of their deal and letting them know that someone from the dealership will reach out to them to finalize their purchase or lease. 

The dealership will also receive a confirmation email. See the ‘RouteOne Fusion – Dealership Experience’ guide for more information about viewing and following up with the generated Lead.