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Important federal and state-specific information about procedures for applying for credit.

Credit Authorization Consent

To check the rates and terms you qualify for, Caribou and its lenders conduct soft credit pulls that will not affect your credit score. However, if you choose a loan product and continue your application, we or one of our lenders will request your full consumer report of your credit and employment history from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit score.

Federal Disclosure


When you apply for credit, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see the applicant’s driver’s license or other identifying documents.

Consent to Calls and Texts

I understand that Caribou may call me or send me texts to the number I provided to Caribou or through a marketing partner, and may send offer and update emails to the email address I provided to Caribou or through a marketing partner. Message and data rates may apply. I can opt out of marketing communications at any time.

You also agree that Caribou and Caribou agents may contact you through any means, including emails, SMS, text messages, calls using pre-recorded messages or artificial voice, and calls and messages delivered using automatic telephone dialing systems or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else, and messages may be left on your answering machine, voice mail, or text messages may be sent. Any call or contact may be on a recorded line or through a recorded messaging service. Depending on the status of your request for and/or use of a Caribou Product and Service, you may revoke your consent to any of the communications described in this paragraph by sending an email to or through any other means provided through the communication.

State Specific Application Disclosures

For California Residents: Married individuals may apply separately. In compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at

For Maine Residents: You have the right of free choice in the selection of the agent and insurer through or by which insurance in connection with a loan is to be placed, including the right to choose an agent or broker whether or not that agent or broker is affiliated with a Creditor or Lender. Obtaining insurance products from a particular agent or broker does not affect credit decisions by the lender. Your choice of insurance will not affect the credit approval process unless the insurance does not satisfy the contract requirements or the insurance company does not satisfy the reasonable standards of the Lender.

For New York Residents: In connection with this application, a consumer report may be requested in connection with your application. Upon your request, we will inform you whether or not a consumer report was requested and, if it was, give you the name and address of the consumer reporting agency that furnished the report. If your application is granted, additional consumer reports may be obtained without further notice in connection with any update, extension or renewal of credit.

For Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

For Rhode Island Residents: Credit reports may be obtained in connection with this application for credit.

For Vermont Residents: If an account is created, you authorize the obtaining of credit reports for purposes of reviewing or taking collection action on the account or for other legitimate purposes associated with the account.

For Wisconsin Residents: Wisconsin law provides that no provision of a marital property agreement, a unilateral statement under the marital property law, or a court decree, will adversely affect a creditor’s interests unless the creditor, prior to the time the credit is granted, is furnished with a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. If you are making this application individually and not jointly with your spouse, you understand that Wisconsin law requires that your spouse be given notice of this credit obligation.

For Maine, Rhode Island and Tennessee Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of the contract. You may purchase required insurance through any agent or broker and from any insurance company that is reasonably acceptable to Caribou. You are not required to deal with any of our affiliates when choosing an agent, broker or insurer. Your choice of a particular agent, broker or insurer will not affect our credit decision, so long as the insurance provides adequate coverage with an insurer who meets our reasonable requirements.

Insurance Licenses

Below are the insurance licenses by state, entity name, and license number.

Alabama - Caribou Insurance Services, LLC - 3001791533

Alaska - Caribou Insurance Services, LLC - 3001834831

Arizona - Caribou Insurance Services, LLC - 3001691682

Arkansas - Caribou Insurance Services, LLC - 3001791497

California - Caribou Insurance Services, LLC - 6007809

Colorado - Caribou Insurance Services, LLC - 729279

Connecticut - Caribou Insurance Services, LLC - 3001791491

Delaware - Caribou Insurance Services, LLC - 3001791539

District of Columbia - Caribou Insurance Services, LLC - 3001791500

Georgia - Caribou Insurance Services, LLC - 222177

Hawaii - Caribou Insurance Services, LLC - 555148

Idaho - Caribou Insurance Services, LLC - 911264

Illinois - Caribou Insurance Services, LLC - 3001720958

Indiana - Caribou Insurance Services, LLC - 3755088

Iowa - Caribou Insurance Services, LLC - 3001791424

Kansas - Caribou Insurance Services, LLC - 3001791535

Kentucky - Caribou Insurance Services, LLC - 1182834

Louisiana - Caribou Insurance Services, LLC - 985505

Maine - Caribou Insurance Services, LLC - AGN410860

Maryland - Caribou Insurance Services, LLC - 3001792814

Massachusetts - Caribou Insurance Services, LLC - 3002079134

Michigan - Caribou Insurance Services, LLC - 136140

Minnesota - Caribou Insurance Services, LLC - 40788716

Mississippi - Caribou Insurance Services, LLC - 15042950

Missouri - Caribou Insurance Services, LLC - 3001772279

Montana - Caribou Insurance Services, LLC - 3001792829

Nebraska - Caribou Insurance Services, LLC - 3001792672

Nevada - Caribou Insurance Services, LLC - 3771561

New Hampshire - Caribou Insurance Services, LLC - 3001792663

New Jersey - Caribou Insurance Services, LLC - 3001720891

New Mexico - Caribou Insurance Services, LLC - 3001853693

New York - Caribou Insurance Services, LLC - 1727159

North Carolina - Caribou Insurance Services, LLC - 3001691653

North Dakota - Caribou Insurance Services, LLC - 3001792837

Ohio - Caribou Insurance Services, LLC - 1413211

Oklahoma - Caribou Insurance Services, LLC - 3001792856

Oregon - Caribou Insurance Services, LLC - 3001820145

Pennsylvania - Caribou Insurance Services, LLC - 1063883

Rhode Island - Caribou Insurance Services, LLC - 3001792874

South Carolina - Caribou Insurance Services, LLC - 3001745900

South Dakota - Caribou Insurance Services, LLC - 10029233

Tennessee - Caribou Insurance Services, LLC - 3001691630

Texas - Caribou Insurance Services, LLC - 2808294

Utah - Caribou Insurance Services, LLC - 911853

Vermont - Caribou Insurance Services, LLC - 3001792721

Virginia - Caribou Insurance Services, LLC - 152835

Washington - Caribou Insurance Services, LLC - 1150339

West Virginia - Caribou Insurance Services, LLC - 3001815890

Wisconsin - Caribou Insurance Services, LLC - 3001792643

Wyoming - Caribou Insurance Services, LLC - 498872

Through Caribou, you could start saving today!

Refinance my loan
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Contact Details
NMLS #1746612

Mon - Fri: 9am - 8pm EST

Sat - Sun: 9am - 4pm EST

717 17th Street, Suite 700
Denver, CO 80202

* This information is estimated based on consumers whose auto refinance loan funded through Caribou between 3/1/2023 and 3/1/2024, and had an existing auto loan on their credit report. These borrowers saved an average of $115.72 per month. Refinance savings may result from a lower interest rate, longer term, or both. There is no guarantee of savings. Your actual savings, if any, may vary based on interest rates, the repayment term, the amount financed, and other factors.

+ To check the refinance rates and terms you qualify for, we conduct a soft credit pull that will not affect your credit score. However, if you choose a loan product and continue your application, we or one of our lending partners will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

++ Social security number is required should you choose to move forward in the loan application process.

** APR is the Annual Percentage Rate. Your actual APR may be different. Your APR is based on multiple factors including your credit profile and the loan to value of the vehicle. APR ranges from 5.99% to 28.55% and is determined at the time of application. Lowest APR is available for a 36 month term, to borrowers with excellent credit. Conditions apply. Advertised rates and fees are valid as of 5/20/24 and are subject to change without notice.

Terms and Conditions apply. Caribou reserves the right to modify or discontinue products and benefits at any time without notice. Participating lenders, rates and terms are also subject to change at any time without notice. The information you provide to us is an inquiry to determine whether our lenders can make you a loan offer. If any of our lending partners has an available loan offer for you, you will be invited to submit a loan application to the lender for its review. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. We do not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors. Offers not available in MD, NE, NV, WV.

©2024 Caribou Financial, Inc. d/b/a Caribou. Caribou® is a registered trademark of Caribou Financial, Inc. All rights reserved.