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During the auto refinance process, Caribou may ask you to upload documents that confirm information about you, your vehicle, and your current auto loan. These documents help Caribou and its lending partners review your application and move your refinance forward.
The exact documents you need can depend on the offer you select, your lender, and your state. If you’re still gathering paperwork, this guide to documents you may need to refinance a car loan can help you know what to expect.
Once you’ve selected an offer, you can upload your requested documents through your Caribou dashboard. Here’s how to do it.
Before you upload your documents
A clear upload can help prevent back-and-forth during review. Before you submit a file, check that:
- The document is current and not expired.
- The full document appears in the image, including all four corners.
- The image looks clear, bright, and free of glare.
- Important details, such as your name, address, VIN, policy number, or account number, are easy to read.
- The document matches the vehicle you’re refinancing.
- You’ve included all requested pages, including the front and back when needed.
Caribou accepts JPG, PNG, and PDF files up to 15MB.
Step 1: Log in to your Caribou dashboard
After you select a refinance offer, log in to your Caribou dashboard to see which documents your application needs.
Your dashboard will show the document requests tied to your offer. Requirements may vary, so follow the list in your account instead of guessing.
Step 2: Take a photo or upload a file
Select the document request you’re ready to complete. Depending on your application, Caribou may ask for a driver’s license, proof of insurance, vehicle registration, or another document. If you upload a file, use JPG, PNG, or PDF format and keep it no larger than 15MB.
Tip: Take the picture straight on, not at an angle. Check that the text looks readable before you upload it.
For your driver’s license, upload both the front and back.
For proof of insurance, check that the policy is active and lists the vehicle you’re refinancing.
For registration, use a current copy that shows the correct vehicle.
Step 3: Upload any remaining documents
After you upload one document, check your dashboard for anything else Caribou still needs. Upload each requested document so Caribou can review your application.
Step 4: We’ll review your documents
Once you upload your documents, our team will review them. If everything looks clear and complete, your application can continue moving forward. If something is missing, outdated, hard to read, or doesn’t match your application, we may ask for a new copy or additional information.
That doesn’t always mean something is wrong. It may just mean the file looked blurry, you uploaded the wrong page, or our team needs to confirm a detail.
Keep making your current car payment until refinancing is complete
Uploading your documents is an important step, but it doesn’t mean you’ve finished your refinance yet. Keep making payments on your current auto loan until your new loan is finalized and your old lender confirms the payoff.
That can help you avoid late payments while your refinance is still in process.
Need help uploading your documents?
If you need help uploading your documents, contact us at contact@gocaribou.com or call 1-877-903-6394.
FAQs: Uploading your documents to Caribou
Can I upload refinance documents from my phone?
Yes. You can upload documents from your smartphone by taking a photo or selecting an existing file from your device or cloud storage.
What file types can I upload to Caribou?
We accepts JPG, PNG, and PDF files up to 15MB.
What documents might Caribou ask me to upload?
We may ask for documents such as your driver’s license, proof of insurance, vehicle registration, or other information needed to review your refinance application. The exact documents can vary by your offer, lender, and state.
What should I do if my upload is blurry or cropped?
Retake the photo in better lighting. Make sure the whole document is visible, all four corners are included, and the text is easy to read.
Why is Caribou asking for another document?
We may need another document if the file is unclear, expired, incomplete, or doesn’t match the information in your application. Uploading a clearer or updated version can help keep the process moving.
Should I stop paying my current auto loan after I upload documents?
No. Keep making payments on your current auto loan until your refinance is complete and your old loan has been paid off.
