Soft Pull

By clicking “Check my rates”, you authorize Caribou to conduct a soft credit pull to obtain your credit report and check the rates and terms you qualify for to refinance your auto loan with one of our lending partners. 

Hard Pull

By clicking “Submit for approval”, you authorize Caribou or one or more of our lending partners to obtain a full consumer report of your credit and employment history from one or more consumer reporting agencies to evaluate your application. Some of our lending partners may use an insurance product offered through our affiliate to determine whether they can extend an offer to refinance your auto loan and, if so, the rates and terms for which you might qualify; therefore, by clicking “Submit for approval”, you also authorize Caribou or one or more of our lending partners to share your full consumer report with this affiliate and the insurer for that purpose.