Caribou

Caribou, online auto loan refinancing

Caribou is a financial company that operates through its website and offers auto loan refinancing. Its focus is on helping drivers with existing loans lower their monthly payment, total interest, or both, by comparing offers from local and community lenders. The company presents itself as an option for those who feel their current loan is too expensive.

The process is fully online. Users can check their rate in minutes through a soft credit inquiry that, according to the company, does not affect their credit score. If the user decides to proceed with an application, a hard credit inquiry is performed, which may affect their credit history. The company also supports co-borrowers, which expands the available refinancing offers.

Refinancing services and optional products

The main service consists of connecting applicants with a network of participating lenders to obtain refinancing offers. Caribou states that borrowers who financed their loan through the platform between January 1 and June 30, 2026 saved an average of $162 per month, with annualized savings of $1,944, and reduced their annual percentage rate (APR) by an average of 3.94 percentage points. The company clarifies that these savings are not guaranteed and depend on factors such as interest rates, term, amount financed, and credit profile.

In addition to refinancing, Caribou offers optional protection products, such as vehicle service contracts and a key replacement program. The latter is designed to cover costs related to lost, stolen, or damaged keys, remotes, transponders, and smart key fobs, subject to the plan's terms, limits, and exclusions. The company also mentions comprehensive coverage called All-in-One Coverage. These products are not required to refinance.

Calculators and resources for drivers

The website includes tools such as an auto refinance calculator, a calculator to find savings by state and by vehicle, and a feature to rank your rate. It also publishes quarterly trend reports and current refinance rates. In its resource center, it offers an introductory guide to refinancing, a learning library, news, FAQs, and a glossary. Editorial content covers topics such as the cost of car key replacement and how a coverage program can help.

Scope and availability

Caribou operates online and serves drivers in the United States, although offers are not available in Maryland, Nebraska, Nevada, and West Virginia. The company works with local and community lenders, and its platform is available to individual applicants and co-borrowers. Customer service is offered by phone and email, with hours Monday through Friday from 8:00 a.m. to 9:00 p.m. ET and Saturdays from 9:00 a.m. to 7:00 p.m. ET.

Corporate and regulatory information

The company operates under the legal name Caribou Financial, Inc., with the trade name Caribou. It is registered in the Nationwide Multistate Licensing System (NMLS) with numbers 1746612 and 2681596. Its headquarters is located at 1200 17th Street, Suite 200, Denver, CO 80202. Caribou® is a registered trademark of Caribou Financial, Inc.

Location and contact

1200 17th Street, Suite 200, Denver, CO 80202 · Phone: 1.877.445.0070 · Email: contact@gocaribou.com · Hours: Mon – Fri: 8am–9pm ET; Saturday: 9am–7pm ET