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What Car Owners Wish They’d Known, From Loan Terms to Lost Keys

Industry Insights

AUG 27, 2026

What Car Owners Wish They’d Known, From Loan Terms to Lost Keys

By Caribou

7 mins read

As High Gas Prices Put Car Costs in Focus, Drivers Found Savings Beyond the Pump in Q2

Industry Insights

JUL 23, 2026

As High Gas Prices Put Car Costs in Focus, Drivers Found Savings Beyond the Pump in Q2

More drivers are staying in their current cars. Why they should revisit their original loan.

Industry Insights

JUN 29, 2026

More drivers are staying in their current cars. Why they should revisit their original loan.

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Three Reasons People Don’t Refinance Their Car Loan (and Why None of Them Should Stop You)

By Simon Goodall

Budgets Are Tight, Yet Most Car Owners Are Overpaying On Their Loan

Monthly Car Payments Hit Record Highs in Q1, But Caribou Data Shows Drivers Are Finding a Way Out

Millions of Americans May Not Get a Tax Refund, But Can Still Unlock Monthly Savings From An Overlooked Expense

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Find answers to your frequently asked questions. Learn about vehicle refinancing, auto insurance, and other related application FAQs.

Refinance

New to auto refinancing? Learn more about refinancing your car or vehicle. Refinancing a car loan is similar to refinancing a home loan.

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* This information is estimated based on consumers whose auto refinance loan funded through Caribou between 1/1/2026 and 6/30/2026, had an existing auto loan on their credit report, and selected a loan offer to reduce their monthly payment. These borrowers saved an average of $162 per month, with annualized savings of $1,944 per year, and reduced their APR by an average of 3.94% points. 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.

++ This information is estimated based on consumers whose auto refinance loan funded through Caribou between 1/1/2026 and 3/31/2026, had an existing auto loan on their credit report, and selected a loan offer to reduce their monthly payment. These borrowers saved an average of 21% on their monthly payment, as compared to their original monthly payment.

** 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 4.18% 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 8/13/26 and are subject to change without notice.

^ Subject to lender approval, approved borrowers may choose a first payment date from 45 to 90 days after the loan closing date. The term of the loan determines the number of payments due and the selection of first payment due date does not satisfy or forgive any scheduled payment(s). Interest on the loan begins to accrue on the loan closing date.

^^ Optional products such as vehicle service contracts are available to help customers protect the value of their cars. Optional products are not required as a condition to refinance a loan.

^^^ Any potential refunds from a third party are subject to their policies. Consumers are responsible for following such policies to determine their eligibility for, and to obtain, any refund from that third party. Caribou cannot control or guarantee the outcome of any refund request and is not responsible for the decisions of any third party regarding refunds.

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, NE, NV, WV.

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