Save More with
GAP Protection°
Save More with
GAP Protection
Your credit score will not be affected+
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
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.
Kevin Bennett
CEO, Caribou
Caribou is trusted by
Refinancing your car has been historically difficult.
Our mission is to change that.
You could save $141/month or more* on your car payment.
You could save $141/month or more* on your car payment.
Significant Savings
Our customers save an average of over $1,569 per year—that’s more than $130 each month!*
View your rates in minutes and complete the entire process online in just a few days.
Quick and Easy Process:
Our friendly, knowledgeable loan officers are standing by to help answer any questions.
Outstanding Customer Support:
Significant Savings
Our customers save an average of over $1,569 per year—that’s more than $130 each month!*
Quick and Easy Process:
View your rates in minutes and complete the entire process online in just a few days.
Outstanding Customer Support:
Our friendly, knowledgeable loan officers are standing by to help answer any questions.
Convenient, transparent refinancing that puts money back in your pocket, with offers from our network of lenders.
Fast and easy auto refinance
Our customers save $130+/mo*
Put cash back into your wallet. Our auto refinance customers save an average of over $130/month on their car payments.
Access to competitive rates
We work with trusted local and community lenders to bring you competitive auto refinance loan offers and rates.
Pre-qualify in minutes
Pre-qualify on our fully online platform—
submit your application without leaving the couch or giving your SSN. ++
See if we can
help you save
Fast and easy auto refinance
How to refinance your auto loan
A step by step guide to our process
HOW IT WORKS
Why refinance your car or truck loan through Caribou?
Convenient, transparent refinancing that puts money back in your pocket, with offers from our network of lenders.
An easy way to refinance your car
Share minimal information and we’ll find competitive pre-qualified loan options in minutes, without impacting your credit.+ It’s that simple: no obligation and no Social Security number required.++
Check your rate
STEP 1
See if we can
help you save
An easy way to refinance your car
EASY PROCESS IN 3 STEPS
Convenient, transparent refinancing that could put money back in your wallet, with offers from our network of trusted lenders.
Pick the refi offer that works best for you, and select from our other products to help protect the value of your vehicle and keep unwanted expenses at bay.*** Our Customer Support Team is available to help you every step of the way.
Select your loan offer
STEP 2
Submit a few pieces of information and sign your loan refinance documents online. We do the heavy lifting to refinance your loan. Then, it’s time to celebrate all your newfound savings!*
Finalize your refinance
STEP 3
Convenient, transparent refinancing that puts money back in your pocket, with offers from our network of lenders.
An easy way to refinance your car
Share minimal information and we’ll find competitive pre-qualified loan options in minutes, without impacting your credit.+ It’s that simple: no obligation and no Social Security number required.++
Check your rate
STEP 1
See if we can
help you save
An easy way to refinance your car
EASY PROCESS IN 3 STEPS
Convenient, transparent refinancing that could put money back in your wallet, with offers from our network of trusted lenders.
Pick the refi offer that works best for you, and select from our other products to help protect the value of your vehicle and keep unwanted expenses at bay.*** Our Customer Support Team is available to help you every step of the way.
Select your loan offer
STEP 2
Submit a few pieces of information and sign your loan refinance documents online. We do the heavy lifting to refinance your loan. Then, it’s time to celebrate all your newfound savings!*
Finalize your refinance
STEP 3
Convenient, transparent refinancing that puts money back in your pocket, with offers from our network of lenders.
Auto Refinance
An auto refi could save you thousands over the lifetime of your loan.* We make it easy with a simple process and top-notch customer service to boot.
See if we can
help you save
Fast and easy auto refinance
CONTROL EVERY PART OF YOUR CAR OWNERSHIP
Why stop there?
Refinancing through us can unlock add-on products to help you protect the value of your car.***
Extended Protection
Mitigate the impact of unexpected car expenses with Extended Vehicle Protection, which could pay for costly repairs and can get you back on the road quickly.
Key Replacement
Keys could cost more to replace than your smartphone. Take the worry out of misplacing your keys with Key Replacement coverage, which could cover the cost of new keys without a deductible!
Dedicated Support
Connect with one of our loan officers, your personal refi champion. Email, calls, texts – we’ve got your back throughout the whole process.
Total Loss Protection
Ensure peace of mind against a total loss of your car with a GAP (Guaranteed Asset Protection) product. It safeguards your wallet if you owe more on your loan than your car is worth.
Cosmetic Care
Keep your car looking shiny and new with the Cosmetic Care Package. Coverage could include small dents and dings, windshields, rims, wheels, and more.
Convenient, transparent refinancing that puts money back in your pocket, with offers from our network of lenders.
Auto Refinance
An auto refi could save you thousands over the lifetime of your loan.* We make it easy with a simple process and top-notch customer service to boot.
See if we can
help you save
Fast and easy auto refinance
CONTROL EVERY PART OF YOUR CAR OWNERSHIP
Why stop there?
Refinancing through us can unlock add-on products to help you protect the value of your car.***
Connect with one of our loan officers, your personal refi champion. Email, calls, texts – we’ve got your back throughout the whole process.
Dedicated Support
Mitigate the impact of unexpected car expenses with Extended Vehicle Protection, which could pay for costly repairs and can get you back on the road quickly.
Extended Protection
Ensure peace of mind against a total loss of your car with a GAP (Guaranteed Asset Protection) product. It safeguards your wallet if you owe more on your loan than your car is worth.
Total Loss Protection
Keys could cost more to replace than your smartphone. Take the worry out of misplacing your keys with Key Replacement coverage, which could cover the cost of new keys without a deductible!
Key Replacement
Keep your car looking shiny and new with the Cosmetic Care Package. Coverage could include small dents and dings, windshields, rims, wheels, and more.
Cosmetic Care
Convenient, transparent refinancing that puts money back in your pocket, with offers from our network of lenders.
See if we can
help you save
Fast and easy auto refinance
"Caribou was super easy to work with, everything they needed I could send a picture of through text or email. Easiest refinance I’ve ever done, I would definitely recommend using them."
Joel R.
USA | May 2, 2025
Why refinance your auto loan through Caribou?
Most Competitive Rates:
We work with a network of trusted lenders to bring you rates as low as 4.39% APR**.
Significant Savings:
Our average customer saves $1,692 annually on their car payments.*
Risk-Free Pre-Qualification:
Check your rates with no impact on your credit score.+
Fast & Easy Process:
Apply in minutes and complete your refinance in just a few days.
GAP Protection:
Covers the difference between your insurance payout and loan balance if your car is totaled or stolen.
Finance Your GAP:
Easily add GAP coverage into your refinanced loan for affordability and convenience.
Convenient, transparent refinancing that puts money back in your pocket, with offers from our network of lenders.
How it works 1-2-3
1. Check Your Rate
Pre-qualify online in minutes without affecting your credit score.+
Select the best loan option for your needs, including GAP coverage.
2. Lock in your rate
3. Finalize & sign
Submit a few pieces of information and sign your loan refinance documents online. We do the heavy lifting.
READY TO START?
See if we can
help you save
How it works
FAQs
How much does GAP coverage cost?
The cost of GAP coverage varies based on the lender, vehicle, and loan amount. With Caribou, you can finance the cost of GAP into your new loan, making it easier to afford.
Why should I refinance my vehicle now?
The Federal Reserve has recently lowered interest rates, meaning you may qualify for a better rate than your current loan. Refinancing can help you lower your monthly payments, save on interest, or both. Plus, it’s an opportunity to adjust your loan term and add GAP coverage for added security.
Will checking my rate impact my credit score?
No. We conduct a soft credit pull to check the rates and terms available to you, which does not affect your credit score. However, if you proceed with a loan, a hard credit pull may be conducted by Caribou or a lending partner.
Why refinance your auto loan through Caribou?
Most Competitive Rates:
We work with a network of trusted lenders to bring you rates as low as 4.39% APR**.
Significant Savings:
Our average customer saves over $1,692 annually on their car payments.*
Fast & Easy Process:
Apply in minutes and complete your refinance in just a few days.
Risk Free Qualification:
Check your rates with no impact on your credit score.+
GAP Protection:
Covers the difference between your insurance payout and loan balance if your car is totaled or stolen.
Finance Your GAP:
Easily add GAP coverage into your refinanced loan for affordability and convenience.
Comparisons based on information obtained on lenders’ websites and customer review websites.
Comparisons based on information obtained on lenders’ websites and customer review websites.
What is GAP Coverage
and Why Do You Need It?
GAP (Guaranteed Asset Protection) coverage protects you from financial loss if your vehicle is totaled or stolen and the insurance payout is less than your outstanding loan balance. Without GAP, you might have to pay the difference out of pocket—even for a car you no longer have.
By refinancing through Caribou, you can bundle GAP coverage into your new loan, making it more affordable and manageable.
What is GAP Coverage
and Why Do You Need It?
GAP (Guaranteed Asset Protection) coverage protects you from financial loss if your vehicle is totaled or stolen and the insurance payout is less than your outstanding loan balance. Without GAP, you might have to pay the difference out of pocket—even for a car you no longer have.
By refinancing through Caribou, you can bundle GAP coverage into your new loan, making it more affordable and manageable.
Convenient, transparent refinancing that puts money back in your pocket, with offers from our network of lenders.
Rates as low as 5.48% APR**
See if we can
help you save
Average customer saves $130/month*
No impact to your credit score+
May qualify to defer a payment^
Convenient, transparent refinancing that puts money back in your pocket, with offers from our network of lenders.
Rates as low as 5.48% APR**
See if we can
help you save
Average customer saves $130/month*
No impact to your credit score+
May qualify to defer a payment^
Refinance and safeguard your car or truck loan with GAP coverage. Enjoy lower rates, save money, and protect yourself from unexpected expenses if your vehicle is ever totaled or stolen.
Refinance and safeguard your car or truck loan with GAP coverage. Enjoy lower rates, save money, and protect yourself from unexpected expenses if your vehicle is ever totaled or stolen.