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Caribou launches comprehensive Auto Refinance Trends Report hub with monthly data updates

Caribou launches comprehensive Auto Refinance Trends Report hub with monthly data updates

‘One Big Beautiful Bill’ Promises a $10K Auto Loan Tax Break — But 97% of Owners Will See Zero Savings

‘One Big Beautiful Bill’ Promises a $10K Auto Loan Tax Break — But 97% of Owners Will See Zero Savings

Caribou Generational Trends

Caribou Generational Trends

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Faq’s

Get answers to your FAQs about vehicle refinancing, auto insurance, and related applications.

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Refinance

New to auto refinancing? Discover how to refinance your car loan, which is similar to refinancing a home loan.

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Glossary

Learn about common refinancing and insurance industry terms.

Company News

Caribou Generational Trends

Fox 26 Houston: Refinancing auto loans can save drivers an average of $150 a month

Caribou Financial expands operations in Arizona with 10,000 SF office lease in Chandler

Industry Insights

Industry Insights

Drive asset growth: An alternative to traditional dealership lending

People

Shining a light on mental health at Caribou

Living our Caribou values this Earth Day

April is financial literacy month: spotlighting Operation Hope

Our Perspective

Our Perspective

What do rising interest rates mean for your car loan?

Our Perspective

Survey: Gen Z women worry about sexism at the car dealership

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NMLS #1746612, #2681596

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Saturday: 9am–7pm ET

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Denver, CO 80202

contact@gocaribou.com

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* This information is estimated based on consumers whose auto refinance loan funded through Caribou between 10/1/2025 and 12/31/2025, had an existing auto loan on their credit report, and selected a loan offer to reduce their monthly payment. These borrowers saved an average of $159 per month, with annualized savings of $1,908 per year. 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 4.64% 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 10/7/25 and are subject to change without notice.

^ Subject to lender approval, approved borrowers may choose a first payment date from 45 to 90 days after the loan closing date. The term of the loan determines the number of payments due and the selection of first payment due date does not satisfy or forgive any scheduled payment(s). Interest on the loan begins to accrue on the loan closing date.

^^ Optional products such as vehicle service contracts are available to help customers protect the value of their cars. Optional products are not required as a condition to refinance a loan.

^^^ Any potential refunds from a third party are subject to their policies. Consumers are responsible for following such policies to determine their eligibility for, and to obtain, any refund from that third party. Caribou cannot control or guarantee the outcome of any refund request and is not responsible for the decisions of any third party regarding refunds.

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.

©2026 Caribou Financial, Inc. d/b/a Caribou. Caribou® is a registered trademark of Caribou Financial, Inc. All rights reserved.

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