See where your rate stands
Enter your loan details and we'll benchmark you against real drivers in your peer group.
Here's how your current APR stacks up against other drivers.
Auto refinance can help you take control of your monthly payment by replacing your current auto loan with a new one: sometimes at a lower APR, different term, or both. This calculator helps you estimate potential savings by comparing your current loan details to a refinance scenario.
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Check your rateFAQs:
What is Rank Your Rate?
Rank Your Rate is an interactive auto refinance tool that helps you see how your current auto loan’s APR compares with similar drivers. It benchmarks your loan’s APR using factors like credit tier, geography, and vehicle make/model to give you personalized context on where you stand.
How does the rate ranking work?
The tool compares your current loan’s APR details against peer benchmarks for consumers whose auto refinance loan funded with a Caribou lending partner from 1/1/26 – 3/31/26, including your credit tier, location,, and vehicle type. The goal is to show whether your APR may be higher than what similar drivers are paying.
Why does my ranking matter?
Many drivers do not realize their auto loan rate may be higher than it needs to be. Seeing how your APR compares with similar drivers can help you understand whether refinancing may be worth exploring.
Does a low ranking mean I qualify for refinancing?
The Rank Your Rate tool is for illustrative and educational purposes only. Results are estimates based on the information you provide and are not a guarantee of savings, a loan offer, or a pre-qualification. Your actual Annual Percentage Rate (APR) and savings depend on a variety of factors, including creditworthiness, loan amount, loan term, vehicle value, and other factors determined by the lender at the time of application. To see what you may actually qualify for, you would need to start an application and provide the required loan and credit information.
Will using the tool affect my credit score?
No. Using Rank Your Rate does not affect your credit score. The tool is for educational and informational purposes only and is designed to help you understand how your current auto loan compares with similar drivers.
How accurate are the comparisons?
The tool is based on data from consumers whose auto refinance loan funded with a Caribou lending partner from 1/1/26 – 3/31/26. Results should be treated as educational, not a guaranteed refinance offer.
What does “Bottom 20%” or “top ranked” mean?
A ranking like “bottom 20%” means your current APR may be less competitive compared with similar consumers whose auto refinance loan funded with a Caribou lending partner from 1/1/26 – 3/31/26.
Can refinancing really help me save money?
It may. If your current APR is higher than what comparable drivers are paying, refinancing could potentially lower your rate or monthly payment. Refinance savings may result from a lower APR, longer term, or both. Your actual savings, if any, depends on your APR, credit profile, vehicle, current loan terms, and available offers.
What happens after I see my rank?
After seeing your rank, you can choose to start an application to explore whether Caribou may be able to help you refinance your auto loan. The landing page is designed to help users move from curiosity to action by showing personalized savings context.
Is this only for people with bad rates?
No. The tool is for anyone who wants to understand how their APR compares. Even if your rate is competitive, the benchmark can help you feel more informed about your current loan.
Why does Caribou compare me with similar drivers?
Auto loan rates can vary widely based on credit profile, location, vehicle type, and other factors. Comparing you with similar drivers gives more useful context than showing a generic national average.
Can I share my results?
The concept includes a potential “Share my Rank” feature that could let users share their results, though this depends on what is included in the final landing page experience.
Who is Caribou?
Caribou helps drivers explore auto refinancing options. This tool is designed to make auto refinance easier to understand by showing how your current APR compares with similar drivers.
