Our customers save an avg of $130/m
Our customers save an avg of $130/m
Have questions? Get in touch.
FAQs
What is Caribou?
Caribou is an auto refinance marketplace. We shop and compare on your behalf, using technology to make auto refinancing more user-friendly. We offer competitive terms from a network of highly trusted lenders from across the U.S. to ensure we can bring you competitive rates. We are committed to putting the interests of our customers above all else, offering additional products that save them money and protect the value of their vehicles.
How does refinancing my car work?
Refinancing a car loan is similar to refinancing a home loan. The refinance process allows for consumers to replace an existing auto loan by negotiating a new loan, typically with a new lender. The new loan allows the consumer to potentially negotiate a better rate, lengthen the repayment term, and remove or add products like vehicle service contracts.
Can I refinance my car right after I bought it?
Yes, you can usually refinance your car at any time after purchasing it from a dealer. Keep in mind car dealerships often add services and incentives which may end when you refinance the car. This applies to finance-related things like cash back programs, lessee deals, dealership cash offers, rewards programs, and other related things. This does not apply to things like GAP insurance, manufacturer's vehicle warranties, and dealership service contracts.
Can I pre-qualify to refinance my car?
Yes, it is possible to be pre-qualified for auto refinancing. To check your rates through Caribou, you’ll fill out a short application that provides us with general information about you, your current auto loan, and your vehicle. Then our technology gets to work, searching for competitive refi loan options for you in minutes. If you qualify, you’ll see offers from our lenders with no obligation, no impact to your credit score,+ and no SSN required.++
Are there any fees involved with my refi?
Caribou provides services to the lender to help close your loan, such as processing documents and retitling your vehicle. Caribou charges the lender a $499 processing fee solely to cover the costs of these services. Your lender may include the $499 processing fee or other fees in your refinanced loan amount and in the APR that your lender will disclose to you.
1.877.821.1517
*
2.79% APR
**
Why should I refinance my car?
If you answered yes to some or all of the above,
then you’re probably ready to refinance your car!
Interest rate is too high
Loan term
is too long
My credit score has improved
Mileage is
under 120k
Convenient, transparent refinancing that puts money back in your pocket, with offers from our network of lenders.
How Caribou makes car
refinance easy
See offers in minutes
We’ll find the best pre-qualified loan options in minutes, without impacting your credit.+
1
Select your offer
Pick the offer that works best for you. Our dedicated support can answer any Q’s you might have.
2
Finalize your refinance
Submit a few more pieces of info and we do the heavy lifting to refinance your loan. That’s it!
3
Why refinance through Caribou
Most Competitive Rates
We work with top lenders to save you thousands over the life of your loan
Comparisons based on information obtained on lenders’ websites and customer review websites.
Great rates
Get access to the lowest rates possible, saving you thousands over the life of your loan or policy.
"Easy transition to lower my payment and interest rate. Also turned out the credit union was local to me. Iveth was great to work with.”
Judy | Trustpilot
Great rates
Get access to the lowest rates possible, saving you thousands over the life of your loan or policy.
“Such an easy and fast process. Daniel was so helpful and quick to reply. My only regret is not doing this earlier.”
Shawn | Trustpilot
Great rates
Get access to the lowest rates possible, saving you thousands over the life of your loan or policy.
“Quick decision, funding, and representative response. I've refinanced a few vehicles in my lifetime, and Caribou made it super easy.”
Tyler | Trustpilot
Join 75,000+ happy drivers with more cash in their wallets
4.5 star average customer reviews on Trustpilot
Great rates
Get access to the lowest rates possible, saving you thousands over the life of your loan or policy.
"Easy transition to lower my payment and interest rate. Also turned out the credit union was local to me. Iveth was great to work with.”
Judy | Trustpilot
4.5 star average customer reviews on Trustpilot
Great rates
Get access to the lowest rates possible, saving you thousands over the life of your loan or policy.
“Such an easy and fast process. Daniel was so helpful and quick to reply. My only regret is not doing this earlier.”
Shawn | Trustpilot
4.5 star average customer reviews on Trustpilot
Great rates
Get access to the lowest rates possible, saving you thousands over the life of your loan or policy.
“Quick decision, funding, and representative response. I've refinanced a few vehicles in my lifetime, and Caribou made it super easy.”
Tyler | Trustpilot
Join 100,000+ happy drivers with more cash in their wallets
Have questions? Talk to
a real, friendly human.
Mon - Fri 9AM - 8PM ET. Sat - Sun 9AM - 4PM ET. Our team of experts are here to make sure you get the most out of your refinance.
Or get started online
Have questions? Talk to a real, friendly human.
Mon - Fri 9AM - 8PM ET. Sat - Sun 9AM - 4PM ET. Our team of experts
are here to make
sure you get the
most out of your refinance.
Refinancing your car has been historically difficult.
Our mission is to change that.
Kevin Bennett
CEO, Caribou
Caribou is trusted by
Why refinance through Caribou?
Most Competitive Rates
We work with top lenders to save you thousands over the life of your loan
Quick and Easy
Application can be done 100% online
Dedicated Support
Our knowledgeable team of loan officers is standing by to help and find you new ways to protect the value of your car.***
Risk Free
Get prequalified and check your rates in two minutes with no impact to your credit score, and no cost+
Comparisons based on information obtained on lenders’ websites and customer review websites.
Refinancing your car has been historically difficult.
Our mission is to change that.
Unlock a new rate in minutes without impacting your credit score
Unlock a new rate in minutes
without impacting your credit score
Risk Free
Get prequalified and check your rates in two minutes with no impact to your credit score, and no cost+
Quick and Easy
Application can be done
100% online
Dedicated Support
Our knowledgeable team of loan officers is standing by to help and find you new ways to protect the value of your car.***
Why should I
refinance my car?
Loan term is too long
My credit score has improved
Mileage is under 120k
Get Started
If you answered yes to some or all of the above, then you’re probably ready to refinance your car!
Interest rate is too high
*
See what you could save
See what you could save
See what you could save
FAST. EASY. CAR REFINANCE.