The auto finance operating system
Originate, decision, and service auto loans and leases — all in one platform.
Kairo replaces slow, expensive legacy systems like NetSol with modern auto finance software for dealerships, banks, credit unions, and EV OEMs. Faster decisions, lower cost, no lock-in.
Decisions in seconds · Cloud-native · Live in months, not years
Built for dealer groups · regional banks · credit unions · EV OEMs
The whole deal lifecycle, in one system
Stop stitching together a quoting tool, a lender portal, an LOS, and a servicing system. Kairo runs the entire auto finance lifecycle on one platform.
Digital retail
Real-time lease & loan calculators that let buyers structure deals online or in the showroom.
AI credit decisioning
Bureau tri-merge plus an AI scorecard returns a fundable decision in seconds.
Originations
Lease, loan, and open-end lease origination with documents and e-sign built in.
Deal pipeline
A live Kanban board tracks every deal from application to funded contract.
Portfolio servicing
Manage funded contracts, payments, and delinquency from one system of record.
Analytics
Funding volume, approval rates, and delinquency — live, not month-end batches.
Seconds
to a fundable credit decision
Months
to go live, not years
One
platform from quote to servicing
Built for your business
Dealerships
Replace clunky F&I menus and slow lender portals with one platform. Quote a lease or loan,…
Learn moreBanks
Originate, decision, and service indirect and direct auto loans on one cloud platform — wi…
Learn moreCredit unions
Give members instant approvals and dealers a fast indirect channel, all on a platform that…
Learn moreEV OEMs
A white-label finance platform for direct-to-consumer EV brands: digital retail, decisioni…
Learn moreWhy teams switch from NetSol to Kairo
Frequently asked questions
What is Kairo?
Kairo is a cloud auto finance and leasing platform that combines digital retail, AI credit decisioning, loan and lease originations, portfolio servicing, and analytics in one system for dealerships, banks, credit unions, and EV OEMs.
Is Kairo a good alternative to NetSol?
Yes. Kairo delivers modern originations, decisioning, and servicing on the cloud at a fraction of the cost and implementation time of legacy platforms like NetSol — with no per-seat lock-in and a real-time, configurable decisioning engine.
How fast are credit decisions?
Kairo returns an AI-assisted credit decision in seconds using a bureau tri-merge and a configurable scorecard, so deals close while the buyer is still at the desk.
Who is Kairo built for?
Dealerships, banks, credit unions, and EV OEMs that want to originate and service auto loans and leases on modern infrastructure.
How much does Kairo cost?
Kairo offers transparent monthly plans — Starter ($18,000/mo), Growth ($28,000/mo), and Enterprise ($45,000/mo) — with no per-loan or per-seat surprises.
Ready to modernize your auto finance stack?
See how Kairo originates, decisions, and services deals in one platform. Book a 30-minute demo.
Book a demo