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Auto Loan Refinancing
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Last Updated: 07/09/2025

Caribou Auto Refinance

in Auto Loan Refinancing from Caribou

Last Updated: 07/09/2025

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Get Competing Auto Loan Refinancing Offers

Compare auto loan refinancing offers from multiple vetted lenders.

Compare auto loan refinancing offers from multiple vetted lenders.

Discover your lowest eligible rate in minutes.

Discover your lowest eligible rate in minutes.

See how much you qualify for and what your monthly payment will be.

See how much you qualify for and what your monthly payment will be.

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It's quick, easy, and won't hurt your credit score.

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Highlights

Amount Range

Up to $125,000

APR (Fixed APR)

5.48% - 28.99%(Verified 03/18/2025)
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Credit Score Range

600 - 850

Loan Term (Months)

24 - 84
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Caribou Auto Refinance Review

Caribou is an auto loan refinance offering by Caribou, based in Washington, DC. Founded in 2016, Caribou offers auto refinance loans in 44 states (and Washington, DC).

What are the auto loan refinancing rates offered through Caribou?

Caribou offers a fixed APR car loan refinancing product that ranges from 5.48% APR up to 28.99% APR.

What is the maximum loan term you can get with Caribou?

Caribou offers auto refinancing with terms ranging from 24 to 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.

Does Caribou charge an origination fee on auto refinance loans?

No, Caribou does not charge a loan origination fee for refinancing a car loan.
Caribou provides services to the lender to help close your loan, such as processing documents and retitling your vehicle. Caribou charged the lenders a $499 processing fee solely to cover these services. Your lender may include the $499 processing fee or other fees in your refinanced loan amount and in the APR that your lender will disclose to you.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount.

Does Caribou charge a late fee?

Yes, auto refinance loans via Caribou are subject to late payment penalty fees .

Does Caribou charge prepayment fees?

No, there is no prepayment penalty.

What do you need to qualify for Caribou Auto Refinance?

Applicants with a credit score of at least 600 and up to 850 may be eligible for Caribou Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Caribou Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Caribou Auto Refinance.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Bank account information
  • Driver's license or other government photo ID
  • Government issued photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

Does Caribou Auto Refinance report your account activity to credit bureaus?

Yes, Caribou Auto Refinance reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Caribou perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.
Caribou allows you to check your rates with a soft credit pull.

Is Caribou a legit company?

Caribou was founded in 2016, it is a well-established company that has been in business for 10 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

1717 Rhode Island Ave NW, Floor 5
Washington, DC 20036
(877) 445-0070
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 9:00PM
Tuesday
9:00AM - 9:00PM
Wednesday
9:00AM - 9:00PM
Thursday
9:00AM - 9:00PM
Friday
9:00AM - 7:00PM
Saturday
Closed

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