More options.
Less legwork.
Your credit union can offer you one rate. Caribou compares 40+ lenders, handles the paperwork, and does it all. Caribou customers save an average of $162/month*, compared to $101/month through a credit union.1
Check your rate
1The national average monthly savings for consumers who refinanced auto loans through credit unions in Q1 2026 was $101 according to Experian’s State of the Automotive Finance Market Q1 2026 report. Caribou customers whose auto refinance loan funded between January 1, 2026, and March 31, 2026, who had an existing auto loan on their credit report and selected a loan offer to reduce their monthly payment, saved an average of $162 per month. Savings may result from a lower interest rate, a longer loan term, or both, and are not guaranteed.
2 Experian’s State of the Automotive Finance Market Q1 2026 report
Caribou customers save about 60% more through our marketplace
Here’s how Caribou auto refinance compares to a credit union
Avg monthly savings
$162/month*
$101/month1
Checking your rate
No impact to your credit score to check rates+No impact to your credit score+
May affect your credit score
Offer process
Compare prequalified offers from multiple lendersCompare multiple prequalified offers
Offers from only one financial institutionOnly one offer presented
Offer timing
Available prequalified offers within minutesWithin minutes
Could take longerTakes longer
Who it fits
Busy borrowers
Anyone who prefers a single institution
1The national average monthly savings for consumers who refinanced auto loans through credit unions in Q1 2026 was $101 according to Experian’s State of the Automotive Finance Market Q1 2026 report. Caribou customers whose auto refinance loan funded between January 1, 2026, and March 31, 2026, who had an existing auto loan on their credit report and selected a loan offer to reduce their monthly payment, saved an average of $162 per month. Savings may result from a lower interest rate, a longer loan term, or both, and are not guaranteed.
The Caribou difference
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Stories behind the savings
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