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Refinance with Caribou

You could save $100+ a month on your car loan*

What would you do with extra money in your wallet each month?

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Fast and easy auto refinance

You could save $100+ a month*

Put cash back into your wallet. Our auto refinance customers save an average of over $100/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

Easy process in 3 steps

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.

  • 1
    Step 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.++

  • 2
    Step 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.

  • 3
    Step 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!*

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.

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!

Switch Insurance

Protect yourself and your wallet with car insurance. We work with trusted national carriers to provide affordable quotes.

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.

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.

Testimonial Man
BBB Accredited Business CertificateA+ Certificate

They got my interest rate cut by half and my monthly payment reduced by $70 a month.

Douglas A.

Michigan | December 14, 2020

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Through Caribou, you could start saving today!

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Contact Details
NMLS #1746612
1.877.445.0070

Mon - Fri: 9am - 8pm EST

Sat - Sun: 9am - 4pm EST

1717 Rhode Island Ave, NW, Suite 500 Washington, DC 20036

Caribou Insurance Services, LLC
1.877.255.2660
Mon - Fri: 9am - 8pm ET
insurance@gocaribou.com


* This information is estimated based on consumers who were approved for an auto refinance loan through Caribou on or after 1/1/2022, had an existing auto loan on their credit report, and accepted their final terms. As of 4/30/2022, borrowers who refinance save an average of $101.54 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 3.49% to 36.00% and is determined at the time of application. Lowest APR is available to borrowers with excellent credit and only in certain states. Advertised rates and fees are valid as of 7/21/2022 and are subject to change without notice. Lowest rate of 3.49% APR only available with up to 36-month repayment term. Insurance savings will not result from lower APR.

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 MA, MD, MS, NE, NV, WI, WV.

Insurance products offered through Bindable and Caribou Insurance Services, LLC. Caribou is working with Bindable who owns MyLifeProtected and MassDrive Insurance Group, LLC, the licensed agent for all products.


©2022 Caribou Financial, Inc. d/b/a Caribou. All rights reserved.