Refinance with Caribou
You could save $115+ a month on your car loan*
What would you do with extra money in your wallet each month?
Get started
Fast and easy auto refinance
You could save $115+ a month*
Put cash back into your wallet. Our auto refinance customers save an average of over $115/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 secure, fully online platform—submit your application without leaving the couch or giving your SSN. ++
How it works
How to refinance your auto loan
A step by step guide to our process
An easy way to refinance your car
Convenient, transparent refinancing that could put money back in your wallet, with offers from our network of trusted lenders.
- 1Step 1
Check your rate
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.++
- 2Step 2
Select your loan offer
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.
- 3Step 3
Finalize your refinance
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!*
Why stop there?
Refinancing through us can unlock add-on products to help you protect the value of your car.
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.
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.
They got my interest rate cut by half and my monthly payment reduced by $70 a month.
Douglas A.
Michigan | December 14, 2020
Through Caribou, you could start saving today!
Mon - Fri: 9am - 8pm EST
Sat - Sun: 9am - 4pm EST
1717 Rhode Island Ave, NW, Suite 500 Washington, DC 20036
* This information is estimated based on consumers whose auto refinance loan funded through Caribou between 11/1/2022 and 9/1/2023, and had an existing auto loan on their credit report. These borrowers saved an average of $115.58 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 11/16/23 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, MS, NE, NV, WV.