We Fix Bad Car Loans

2X THE AVERAGE SAVINGS THAN GOING DIRECTLY TO OTHER FINANCIAL INSTITUTIONS¹

We make lenders compete for you

Instead of going lender by lender, we bring you prequalified offers from our network of 50+ lenders so you can compare rates, payments, and terms before you choose.

Check your rate

How Caribou savings stacks up

¹ The national average monthly savings for consumers who refinanced auto loans in Q1 2026 was $81, according to Experian’s State of the Automotive Finance Market Q1 2026 report. Caribou customers whose auto refinance loan funded between January 1, 2026, and March 31, 2026, who had an existing auto loan on their credit report and selected a loan offer to reduce their monthly payment, saved an average of $162 per month. Savings may result from a lower interest rate, a longer loan term, or both, and are not guaranteed.

² Experian’s State of the Automotive Finance Market Q1 2026 report

EASY PROCESS IN 5 STEPS

Getting started is easy with Caribou

Convenient, transparent refinancing that could put money back in your wallet, with offers from our network of trusted lenders.

01

Check your rate

Provide info about you and your car, and we’ll quickly find pre-qualified loan offers for you without affecting your credit score.+
02

Select offer

Choose the auto refinance offer that suits you best and explore our protection packages to safeguard your vehicle’s value and avoid extra costs. Our Customer Support Team is here to assist you throughout the process.
03

Submit your documents

Upload the documents your lender needs, such as your driver’s license, registration, and proof of insurance.
04

Finalize your offer

Review the loan details with your loan advisor and complete any remaining steps.
05

We handle the rest

We’ll coordinate the payoff of your old loan and help update your vehicle title with your new lender.