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How It Works
Calculators
Trends
- Today’s Auto Refi Rates
- Quarterly Trends Report
Resources
Reviews
About us

Auto Refinance Articles

Our refinance articles help you understand the refinance process along with the ways you can potentially save.

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Auto Refinance

How Federal Reserve rate changes affect car loan rates

Auto Refinance

NOV 3, 2026

How Federal Reserve rate changes affect car loan rates

By Caribou Editorial

9 mins read

What happens to GAP insurance when you refinance?

Auto Refinance

OCT 30, 2026

What happens to GAP insurance when you refinance?

How to refinance a car loan with an existing co-borrower

Auto Refinance

OCT 30, 2026

How to refinance a car loan with an existing co-borrower

More articles

The Fed held rates steady. Will your car payment change?

By Caribou Editorial

When is the best time to refinance a car loan? October 2026 update

By Caribou Editorial

Does your car’s make or country of origin affect auto refinancing?

By Caribou Editorial

What to do if your VIN doesn’t match your title or insurance

By Caribou Editorial

EV tax credit update September 2026: What’s gone, what’s left, and what to check now

By Caribou Editorial

Do you get a new title when you refinance a car?

By Caribou Editorial

Auto Refinance

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Faq's

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.

Glossary

Learn about common refinancing and insurance industry terms.

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NMLS #1746612, #2681596

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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 NE, NV, WV.

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