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Caribou Review

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Reviews 431

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Michael Graw
Michael Graw
May. 03, 20214 min read

Caribou summary

Caribou is a secure, digital platform that makes it easy to refinance your auto loan. The company works with many national and local lenders to help you find a suitable rate and does all the work of coordinating your refinance. It doesn’t impact your credit score to check your rate, and you can complete the application process online. Caribou refinances most cars, trucks, and SUVs but does not offer loans for motorcycles or commercial vehicles.

Pros

  • Pre-apply and check your rate in minutes
  • Loans up to $150,000
  • A+ BBB Rating

Cons

  • $399 origination fee
  • Late fees vary by lender
Caribou at a glance
4.0

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender but limited hours

4.0

Loan Types

Offers multiple loan types

3.0

Repayment Flexibility

Offers multiple repayment plans- but no special repayment programs

4.0

Eligibility (credit score)

Doesn't cover bad credit

4.0

Caribou Caribou Visit Site

Suitable For?

Caribou is most suitable for car owners who are looking to refinance with the lowest possible rates. It partners with dozens of local and national lenders to bring you competitive rate offers and loans up to $150,000. While the most suitable rates are reserved for borrowers with excellent credit, Caribou allows you to add a co-borrower to improve your offers. Caribou is available in 45 states. 

Features

Caribou only offers auto refinance loans, not loans for vehicle purchases. Too many people ended up with a rough deal on their initial car loans, and have felt powerless to change that. At Caribou, refinancing your auto loan is a simple, transparent process. Their dedicated customer support and partnerships with top local and community lenders, bring customers great rates to lower monthly payments. This ultimately saves customers an average of $100 per month on their car payments with interest rates as low as 1.99%. You can easily prequalify for multiple offers to compare from different lenders before deciding on a loan.

  • See rates without a credit check or social security number
  • Compare offers from multiple lenders
  • Fully online application
  • Customers save an average of $101 per month

Application Process

To get started with Caribou, enter information about yourself, your vehicle (including the VIN), and your credit score in the online pre-application. You don’t need to enter a social security number or agree to a credit check. Caribou will find rate offers from multiple lenders and allow you to easily compare monthly payments.

If you find an offer you like, you can complete the application process online in less than 30 minutes. Caribou allows you to easily upload supporting documents like paystubs. And, depending on your offer, you may have the option to add an extended vehicle protection policy to your loan.

Loan Types and Terms

Caribou offers auto refinance loans up to $100,000 with rates as low as 1.99% interest. Note that all loans carry a processing fee of $399, regardless of the size of your loan, but is more than made up for by the savings generated.

  • Minimum credit score of 580
  • Minimum annual income of $24,000
  • Allows co-borrowers
  • Not available for motorcycles or commercial vehicles

Repayment Options

Caribou loans come with terms from 24-84 months You can compare loan offers to choose the term that’s right for you.

How Safe Is It?

Caribou partners with Equifax and Carfax to ensure the loan offer process is as straightforward as possible. In addition, the company uses DocuSign for document processing, and the online application is secured with SSL encryption. Caribou is accredited by the Better Business Bureau and has an A+ rating.

Help & Support

If you need help with your auto refinance, Caribou offers support by phone and email from 9 am–9 pm (ET) Monday–Thursday and 9 am–7 pm Friday. Keep in mind that your loan is arranged through a third-party servicer, so you will need to contact your loan provider directly for questions about payment.

Phone: 1-877-445-0070

Email: contact@gocaribou.com

How Caribou Compares


CaribouRateGeniusMyAutoLoan
APR1.99%
1.99% 1.89%
Minimum credit score580550575
Loan amounts$10,000–$100,000$12,000–$100,000$5,000–$99,000
Loan term24–84 months24–84 months24–84 months
Suitable forAuto refinancing with low ratesBorrowers with poor creditLower monthly payments

Summary

Caribou streamlines the process of refinancing your auto loan and makes it easy to get the lowest possible rate. You can compare offers from multiple lenders without a credit check and without submitting your social security number. If you want to go ahead with an offer, you can complete the application process easily online. Caribou offers loans up to $100,000 and saves customers an average of over $100 per month on car payments.

Physical Address

Caribou, 1717 Rhode Island Ave, NW Suite 500, Washington DC 20036 

Caribou Caribou Visit Site


Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Caribou
Caribou
ExcellentReviews 431
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ExcellentReviews 431
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Excellent
85%
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Average
2%
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8%
  • author
    Yemi Olomola
    9 hours ago
    Kudos to Arthur Scott for making my…

    Kudos to Arthur Scott for making my auto refinance process extremely smooth and painless.

    ...

  • author
    Aleksey D.
    4 days ago
    Beneficial refinance

    The auto loan refinance was not very easy way based on my current situation ( with some underwater stones ), but eventually it was done the most effective with significantly lower APR !

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  • author
    Rhoponza Tolbert
    4 days ago
    Happy Customer

    Hello, I'm Rhoponza Tolbert. I recently refinanced my car loan through Caribou. My loan officer, Daniel Schoonmaker, was a pleasure to work with. He made my refinancing experience very easy to get accomplished. I'm very grateful for his expertise & professionalism as he performed above & beyond my expectations . 🤗

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  • author
    Jayna
    May 11, 2022
    Great, easy experience.

    Nina was my loan officer and she was awesome! Nina was extremely nice, friendly (which I appreciated). She got back to me right away and was able to answer of of my questions. She made my refinance so easy. 5 stars 2 thumbs up!!!

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  • author
    Rikki Bradley
    May 10, 2022
    Arthur S helped me quickly

    Arthur S helped me quickly. He was very efficient and left me with no worries.

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  • author
    Rick Brundin
    May 07, 2022
    Working with Caribou and Daniel…

    Working with Caribou and Daniel Schoonmaker, my contact person, was a lot of fun and very satisfying. They required a serious amount of papers from me to complete the process but Daniel made it super easy to comply with there requests. He kept me well informed throughout the whole process!

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  • author
    Jay
    May 04, 2022
    Stay away from Tony

    Stay away from Tony , at first things were going smoothly . We make our payment 10 days early with the lender. Tony failed to mention that even with an early payment lender will still draft another payment on the due date and that it cannot be changed or stopped if you have auto draft set up which Tony did. Well here we get a letter in the mail saying that our bank charged us an addition 30 dollars for the second payment that lender decided to process 10 days later. Lender than charged two additional 30 dollars so Tony's mis information cost us 90 dollars . When we asked Tony about this he more or less told us to go pound salt and it wasn't his problem. We called back and talked to Evan he stated he was Tony's boss and sent us a gift card to redeem at walmart to make up for Tony's mistake. Today in the mail however we get a letter stating that the new bank wants to charge a higher rate due to Tony not making sure the title was transfered properly to new bank or bank not doing this. Tony does not give all the facts and will leave you out to dry. Which will cost you hundreds more in fees and finances in the long run if you didn't refinance with one of his banks. Caribou doesn't care like to y due to they got their money anyways.

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  • author
    remy pilliu
    Apr 30, 2022
    Amazing experience

    First I want to thanks Arthur Scott and Caribou for the opportunity in refinancing my car loan .what an amazing loan officer extremely professional helpful very kind..my loan was aprouved in less than a week thank you. again mr Arthur Scott.

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  • author
    Nick Kirkpatrick
    Apr 30, 2022
    Arthur was super helpful and great to…

    Arthur was super helpful and great to work with!

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  • author
    JB
    Apr 28, 2022
    Wonderful Experience!~

    Daniel Schoonmaker made transitioning my previous auto loan to a new lender so simple, smooth and quick! I would recommend Daniel from Caribou to anyone!

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  • author
    Preston Fox
    Apr 27, 2022
    My process with Caribou have been made…

    My process with Caribou have been made with so much ease thanks to loan officer Arthur Scott. Great employees and Great company in general. Hope to stay as a customer in the future.

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  • author
    Jeff Mulholland
    Apr 27, 2022
    Great experience

    Great experience. DANIEL SCHOONMAKER was a perfect representative.

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  • author
    NOTARY
    Apr 23, 2022
    Yvette was excellent with meeting my…

    Yvette was excellent with meeting my expectations. She was able to clarify any questions I got a great interest rate with refinancing. Thanks Yvette.

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  • author
    Dennis Wallace
    Apr 22, 2022
    I wanted to thank Caribou

    I wanted to thank Caribou, and Mike Ruiz in particular for the exceptional and seamless service I received. From application to funding was 3 days.

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  • author
    Mark B.
    Apr 21, 2022
    Highly Recommended

    Daniel is the best! Simple process with excellent communication!

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  • author
    Ryan Can
    Apr 21, 2022
    Great company

    What a great company! Daniel Schoonmaker was there with me through each step making the process incredibly easy! I’m saving over 200 a month!

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  • author
    JC Poroj
    Apr 18, 2022
    Iveth Salas is the best

    Iveth Salas is the best, made it very simple and easy to refinance my truck. Lower my interest by more than half. Definitely recommend contacting Iveth Salas!!

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  • author
    McKenzie Richardson
    Apr 15, 2022
    Very pleased!

    Justin Elkington was my Loan Officer and made this experience smooth, fast, and easy. He was very professional and made this process easy. He took the time to explain and even pointed me in the right direction on where to go and how do to things through out. Very highly recommend Justin and the Caribou team. Thank you!

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  • author
    RW P
    Apr 15, 2022
    Very easy

    Very easy! Daniel Schoonmaker is a great person to work with! Caribou was recommended by Credit Karma.

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  • author
    Monica Flores
    Apr 09, 2022
    Caribou are NOT honest!!!

    I got a auto refi with Caribou, the bank being Pen Fed. I only needed to cover my payoff amount, which less than $20,000. The loan was $23,000 plus. The representative said, “Which add on a little more, but you’ll get the difference after the payoff.” Ok, I’ll use it to pay off two bills. So over 30 days passed after the payoff amount was paid, but the rest of the money was still out there. I didn't get the difference and Pen Fed didn’t get it. After many emails and phone calls, texts, Pen fed find out that Caribou was charging me over $3000 on FEES (which they never told you is gonna be)!! I have been trying to contact BRUNO CARRENO (caribou representative) and didn't have any luck on it. I’m paying interest in it and still waiting for a call back to explain where those fees come from.

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  • author
    Irene
    Apr 06, 2022
    Choosing Caribou has been amazing

    Choosing Caribou has been amazing! They made my refinance process so easy! It was mainly due to Daniel Schoonmaker, who was the agent on my case. Truly a gem! He really explained each step of the process, was very courteous of my time schedule and didn't interrupt my work day, he was available for me to speak to whenever I had questions. Overall great experience! Would recommend Caribou to others who are looking to refinance their auto loans!

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  • author
    Millie Zarco
    Mar 31, 2022
    WHERE’S THE MONEY?!

    WHERE’S THE MONEY?! I got a auto refi with Caribou (they are considered 3rd Party), the bank being Pen Fed. I only needed to cover my payoff amount, which less than $13,000. The loan was $16,000 plus. I ask the representative why is the loan that high? He said, “Which add on a little more, but you’ll get the difference after the payoff.” Ok, I’ll use it to pay off two bills. So over 30 days passed after the payoff amount was paid, but the rest of the money was still out there. I did t get the difference and Pen Fed didn’t get it. After many emails and phone calls, texts, I find out that Caribou was charging me over $3700 for bumper to bumper service (which I agreed to get with all the prompting), I NEVER agreed to that amount!! I’m trying to cut my payments per month! Why would I take a loan out, pay interest on the $3,700+ which wasn’t a necessity. Caribou said they’d cancel the policy, which I signed, electronically and send the balance to Pen Fed. That was a month ago, Pen Fed has not received the money yet and I’m paying interest in it.

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  • author
    Ericka Stockton
    Mar 26, 2022
    AWESOME SERVICE!!!!

    AWESOME SERVICE!!!!

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  • author
    Chris Thomas
    Mar 25, 2022
    I had a great experience with getting…

    I had a great experience with getting my car refinanced through Caribou. The agent that helped me with this process was DANIEL SCHOONMAKER he made the process quick and easy and was able to answer all of my questions with no problem. He was even able to get me a lender that was able to refinance my car due to the mileage on the car which was great because that was my biggest concern. This was the easiest process I've ever done/

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  • author
    Michael Grace
    Mar 22, 2022
    Overall Good Experience

    Team was good but the process required a lot of antiquated processes like wet signatures being notarized. There were a lot of forms at $10 a signature. Seems in the modern error a lot could be automated leveraging digital signatures.

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  • author
    teri young
    Mar 21, 2022
    They are a fantastic company handled…

    They are a fantastic company handled this in no time it was just so easy I couldn't believe it and yes I will recommend them to family and friends they're good company I'm very happy with it

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  • author
    Rich G
    Mar 21, 2022
    My experience with Caribou

    My experience with Caribou was very good. Working with Rich Cohn was seamless. He was very helpful and Caribou was a great decision.

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  • author
    Thomas Pietrosanto
    Mar 21, 2022
    nice and easy aoolication process

    nice and easy aoolication process. Fast approval . They tool care of everythjing even changing the title and i saved !!!.00 per month

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  • author
    Chad Smith
    Mar 20, 2022
    Very good team

    Hi really good experience .. would recommend for anyone trying to refinance your vehicle.. thought I would have to jump through so many hoops.. but the caribou team made it easy and stressed free.

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  • author
    Philip Jenkins
    Mar 20, 2022
    Excellent service

    The experience with your representative Terence Williams was smooth and easy.As I am someone who is technically challenged,Terence step by step instructions made the document uploading process fairly simple.I would highly recommend Caribou to anyone interested in securing financing.

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  • author
    Alec Goodin
    Mar 20, 2022
    Very quick and easy process.

    Very quick and easy process.

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  • author
    Constance Harris
    Mar 19, 2022
    Excellent Service

    Excellent Service, no hype, no pressure. Loan went through as described without a hitch. I am very satisfied!

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  • author
    Sick of Surveys Man
    Mar 19, 2022
    Shell of a company

    I would recommend avoiding. Rate was good not great. Service was terrible not ok. Never provided feedback on the status of my title! BIG red flag there. Support really is just a series of canned automated emails. When you need actual support it is not there. Never received a response for several emails. This is typical of these goofy online brokers. I should have just gone to bankrate.com and have the best rates listed there. Lesson learned.

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  • author
    MARILEE PANNA
    Mar 19, 2022
    It was smooth and simple

    It was smooth and simple. All of our Caribou contacts took great care of us. Any time I had a question, Brian was right on top of it. So grateful for their efforts and all that they have done.

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  • author
    OfficialGaius Osais
    Mar 19, 2022
    The refinance process was very smooth…

    The refinance process was very smooth and easy. Thanks to caribou

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  • author
    Caron Wills
    Mar 19, 2022
    This experience was surprisingly good

    This experience was surprisingly good. I wasn't sure what to think of an online service. It would have been helpful to know some information prior: * I would need paperwork signed by a notary * My registration must not be within 30 days of renewal Knowing would have made the process smoother. Other than that, it just took time to finish each piece of paperwork but doing it at my place was nice. The sales rep was insistent that we take the car warranty. I had to call back to have it removed after I said I didn't want it. Read your paperwork carefully! We dropped 4 percentage points and a year off of our loan without increasing the payment. I would do go through this again.

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  • author
    Chris Russo
    Mar 18, 2022
    Working with Klevens B

    Working with Klevens B. is a pleasure. He's incredibly helpful, punctual, and made sure I understood every step of the process. He was patient with all of my questions and I was comfortable throughout. Would highly recommend Klevens B to anyone!

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  • author
    Juan Factor
    Mar 18, 2022
    Very helpful

    Very helpful! Thank you!

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  • author
    T. Snow
    Mar 18, 2022
    I’m very thankful that I finally found…

    I’m very thankful that I finally found a company to refinance my vehicle. Great rate! Customer service was extremely great! I would definitely recommend this company!

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  • author
    Nicole Musa
    Mar 18, 2022
    They made the process of refinancing my…

    They made the process of refinancing my car simple!

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  • author
    Doris Cosme Santana
    Mar 18, 2022
    Excellent service my refinance went…

    Excellent service my refinance went very smooth thanks to them.

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  • author
    Steff Meldgaard
    Mar 18, 2022
    I had a really pleasant experience…

    I had a really pleasant experience refinancing my auto loan with Austin. At first I was not looking forward to dealing with this auto loan refinance, but Austin made it as simple and easy as can be. In just a few days, I had completed the process and signed all the papers. I highly recommend Caribou to anyone looking to refinance a loan.

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  • author
    Johnny Whittington
    Mar 18, 2022
    Matthew Laushman made my Caribou…

    Matthew Laushman made my Caribou experience excellent. He provided quick, straight to the point friendly service. He made refinancing one of the easiest things I had ever done. I would recommend Caribou to anyone looking to refinance.

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  • author
    Kekoa Woods
    Mar 18, 2022
    Awesome company!

    Awesome company!! Very sufficient and rapid response in any questions I may have had. Their communication in all the steps was refreshing! Definitely would do business with them in the future and would recommend them to anyone!

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  • author
    Malachy Costello
    Mar 18, 2022
    Thank you for seeing me all the way…

    Thank you for seeing me all the way thru the process. I really appreciated the extra effort by Jessy to make it happen so quickly.

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  • author
    David Farris
    Mar 17, 2022
    Quick and painless

    The entire process was fairly quick and painless. My loan officer John was very professional and efficient. He did a great job keeping me updated throughout the process. Very happy with my rate/terms.

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  • author
    Hilary
    Mar 17, 2022
    Process was fast & easy!

    Process was fast & easy!

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  • author
    Tyler Cheatwood
    Mar 17, 2022
    Kameron was an incredible help

    Kameron was an incredible help. It was my first time ever dealing with this type of thing. And they made it a breeze.

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  • author
    Amber Carmody
    Mar 17, 2022
    I got a little confused during the…

    I got a little confused during the process but I was helped to understand and got to complete everything with no complications.

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  • author
    CraignMaria Baker
    Mar 17, 2022
    We had a wonderful experience with…

    We had a wonderful experience with Caribou,we were given a very friendly,experienced,and efficient loan officer (George was great),we had a very high interest rate on our auto loan 13.69% and Caribou was able to get us refinanced through Tower FCU with an interest rate of 2.29%,and our payments went from 60 months down to 48 months,we couldnt be happier! Thanks Caribou anna&craig

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  • author
    Yashica Russell
    Mar 17, 2022
    Thanks for everything you guys are…

    Thanks for everything you guys are awesome 🤩

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  • author
    Rob Benton
    Mar 17, 2022
    Very easy to apply

    Very easy to apply. 90% online, great staff.

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  • author
    Joey Morace
    Mar 17, 2022
    Not a great experience

    Not a great experience. Was initially given a rate of 4.6% which was an improvement from my original loan of 6.8%. I completed the Docusign and all paperwork which stated 4.6%, then the next day I got a text requesting that I resubmit the Docusign. I asked what had happened and was told that there was a "typing error" and my actual rate was 5.1%. After going back and forth with the rep for a dozen messages explaining that I would not do the higher rate after ALREADY SIGNING THE PAPERWORK that stated a lower interest rate I was offered $25 gift card for the "inconvenience." I refused and was contacted by the manager who offered me $50. I refused again and was ultimately offered $250 but they would not simply give me the interest rate that was originally agreed upon, which over the course of the loan will end up costing me an additional $700+. Not happy. Cannot recommend.

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  • author
    Kim M.
    Mar 17, 2022
    So easy!

    Michael R. was extremely professional, very informative and made sure that I was always in the loop on how my loan was going. The process was quick, easy and there was no fuss at all! I am pleased to have made the choice to save money and refinance my car!

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  • author
    Jill White
    Mar 16, 2022
    This was such a great experience

    This was such a great experience. The two people I had contact with were very professional and made everything so smooth. It was a quick process. Thanks guys!

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  • author
    adolfo andrade
    Mar 16, 2022
    Everything was great

    Everything was great. They offered great rates and I was even told about receiving a refund. But when I asked more about the refund I never got an other response and even texted me guy that was in charge of the refinancing.

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  • author
    Gail Shaw
    Mar 16, 2022
    Thank you Caribou!

    Nothing but excellent review. Joey was fantastic and helped and was willing to help all through the process. Would definitely recommend!

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  • author
    Doris Cosme Santana
    Mar 16, 2022
    Car refinaced

    It was fast and easy

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  • author
    Omar Morgan
    Mar 16, 2022
    Call Caribou, they’ll treat you right.

    Edwin at Caribou was able to accomplish what five big-name companies were not! All other lenders I contacted changed their mind about their initial offers during the application process and seemed to offer nothing other than a “take-it-or-leave it” approach. The most shocking offer from another lender led me to call them to confirm their final offer was to maintain the same term as my original loan – but to increase my monthly payments! That is the opposite goal I had for doing a refinance in the first place! Edwin, on the other hand, actively listened to my goals for my refinancing, gave me confidence that he knows what he is doing, and he kept working on it until he found me a solution.

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  • author
    Kristen Carlucci
    Mar 16, 2022
    Awesome experience

    I’d never refinanced a car before and Caribou made the whole process super easy and quick. They were so great with communicating everything and answering all of my questions. If I need to refinance a car again I will definitely be using them again!

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  • author
    Ken Salvin
    Mar 16, 2022
    They were easy ,organized I tried other…

    They were easy ,organized I tried other places to get a refinance with no luck,I have a great credit score and no debt except my mortgage ....made no sense,then I found Caribou--they made it easy

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  • author
    Howard Sandler
    Mar 16, 2022
    auto loan

    the people that helped me out were wonderful. Thanks again for everything.

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  • author
    Bill Anderson
    Mar 16, 2022
    Responded in a timely manner with an…

    Responded in a timely manner with an offer from a Credit Union. Closed the loan within a couple of weeks. Added 4 payments (had 44 left on previous loan) but saved us $175/month and just over $5000 in interest.

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  • author
    Robert
    Mar 16, 2022
    Very nice experience

    Very nice experience, no issues, quickly refinanced my loan. Excellent job, nicely done.

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  • author
    Michael
    Mar 16, 2022
    Great Experience - would definitely recommend!

    Great Experience. Fast and efficient

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  • author
    Bruce AsBerry
    Mar 16, 2022
    Excellent process

    Excellent process. I am extremely pleased with the APR savings; and My Loan Processer.

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  • author
    Steve Ormsby
    Mar 16, 2022
    It was fast and easy to get the…

    It was fast and easy to get the refinance done at a good rate thank you

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  • author
    Kelton Graham
    Mar 16, 2022
    Fast and easy process.

    Fast and easy process.

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  • author
    Tyler jordan
    Mar 16, 2022
    Take your business elsewhere

    Take your business elsewhere! I wish I could give a better review but I can’t. The process of refinancing was extremely more difficult than it had to be. They gave me a great rate but they push all the extra crap. (Car warranty etc) They won’t take no for an answer. Now here is the problem I really have I have questions I need answered and once they got my business they washed their hands of me. I’ve left two voicemails and four texts to my agents phone. He refuses to get back to me. I tried calling customer service and they wouldn’t help me. So once they get your business you’re dead to them. Take my advice go somewhere else.

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  • author
    Gisele
    Mar 16, 2022
    Hidden Gem

    This was such an easy process for me, it was almost automatic. From Sara (loan officer) to the other professionals who followed up, my only regret is that I hadn't done this months sooner! Caribou did an exceptional job and, although I had never heard of them prior, I will definitely consider them for my future financial needs! Keep up the great work!

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  • author
    Jeri Ashworth
    Mar 15, 2022
    Super fast and easy process and I am…

    Super fast and easy process and I am saving money with my refi. Strongly recommended.

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  • author
    Lynette Lines
    Mar 15, 2022
    Unending harassment

    If I could give zero stars I would. The harassment via text and nonstop phone calls was unending even after I asked multiple people to remove me from the calling list.

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  • author
    Arturo Rojas Diaz
    Mar 15, 2022
    Exceptional service from loan officer Mike Ruiz…

    Had a call with loan officer Mike Ruiz and I love the professionalism and honesty that he portrayed during our conversation. Unfortunately for him I had a rate that they couldn’t really beat but instead of trying to undersell me into one of their loans he let me know in the nicest way possible that there was nothing that they could do at this time. Great costumer service!

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  • author
    Gary Bennett
    Mar 15, 2022
    Good experience

    Good experience

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  • author
    Jordan McGinnis
    Mar 15, 2022
    Customer was very helpful patient and…

    Customer was very helpful patient and informative on what I needed to do in order to refinance my loan!

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  • author
    Jacob Miller
    Mar 15, 2022
    brandon clark has helped me every step…

    brandon clark has helped me every step of the way of refinancing my truck

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  • author
    KevinO
    Mar 15, 2022
    good over all experence, will try again..

    I refi'd to get a lower rate and did but not by much and one month lower in terms. So that's good. We had a lot of phone tag, I was on vaca while this was happening. There was some 'miscommunications" around the auto pay and billing vs rates. I have good credit and thought I'd do better but... maybe next time...

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  • author
    Pam
    Mar 15, 2022
    Refinanced auto loan

    Refinanced my auto loan and it was very easy. I went from 14.81% to 1.99%. A big difference. Working with Edwin was very easy. He told me what he needed, and I supplied him with the information.

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  • author
    Jen D
    Mar 15, 2022
    Easiest process !!

    I worked with Dustin and he was amazing!! He always got back to me to make sure I understood ever step of the process and always returned my calls. He knew what he was talking about and I could trust him. All upfront numbers he gave were right on and didn't change in the end! It was the easiest and no stress process I have EVER been through! Ask for Dustin !!!

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  • author
    DeborahJones
    Mar 15, 2022
    Fast service

    Fast service

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  • author
    Catharin Manriquez
    Mar 15, 2022
    I would not try this service again

    I would not try this service again, I refinanced my loan but I wasn’t told that I needed a special insurance for my car, I have submitted 2 times and they keep saying it’s wrong but I don’t know what’s wrong with it, there’s no number where I can get a hold of an actual person. And the emails are automated. I ended having to pay off my loan early because it’s silly that o can’t speak to someone about my loan, the one person I did a hold of was so rude and said I had to do it online ! Which is not letting me!

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  • author
    Kathleen O'Rourke
    Mar 15, 2022
    Very easy process for this loan

    It was a nice easy time saving process for my auto refinance loan. I was happy with the rate and new payments. BLAKE was my representative on my refinance deal. He was very helpful and understanding. I would recommend that Blake takes more lessons in customer service with people on the phone. He requested I text him vers call him?? That i really did not appreciate that comment from BLAKE as I deserve more respect from him as a customer. Why would he ask me that, maybe due to the fact the calls were recorded? Well I just hope things improve with that issue in the future.

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  • author
    Matthew Kennedy
    Mar 15, 2022
    Very good service from start to finish…

    Very good service from start to finish on the refi on my car loan.agent I was dealing with was on top of his game.

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  • author
    Ashley Miller
    Mar 15, 2022
    Great experience

    Great experience. Knowledgeable and friendly customer service. Always felt like I was kept in the loop

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  • author
    Scott
    Mar 15, 2022
    Not happy at all

    Not happy at all. My agent asked me to email him certain info to get the loan completed. After providing him the info, he then wanted additional information which i provided that also. Long story short, after 3 weeks of back and forth emails i did not get the loan because my business's name is on the insurance policy with my personal name. They wanted me to start a new policy to receive the loan. Why not say that from the beginning instead of 3 weeks later.

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  • author
    Jesse Gasser
    Mar 15, 2022
    They were able to facilitate in a…

    They were able to facilitate in a timely manner my refinance of my car, as well as taking care of payoff, title, and securing me any refunds owed from my previous lender.

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  • author
    Carrie Autry
    Mar 15, 2022
    Such a smooth and easy process

    Such a smooth and easy process! Super nice people who really want to save you money!

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  • author
    Ivy Tran
    Mar 15, 2022
    very easy process.

    very easy process.

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  • author
    Godstime Ojim
    Mar 15, 2022
    Great experience 👍

    Great experience 👍

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  • author
    OSCAR MORALES
    Mar 15, 2022
    Sara was great!!

    Sara was great!!! Delivered what was promised and in the time that she promised. Very knowledgeable and inspires full trust

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  • author
    Steph
    Mar 15, 2022
    Refinancing ended up costing me more…

    Refinancing ended up costing me more due to hidden fees. Not happy. Rep was nice though.

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  • author
    Jon Gorman
    Mar 15, 2022
    Was an easy refinance process - Refinance Auto

    Was an easy refinance process. Friendly and helpful individuals assisting me in my decisions.

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  • author
    William Lemonier
    Mar 15, 2022
    REFINANCE

    CARIBOU was very fast and I had great experience with them helping me refinance my Mercedes Benz. I lowered my rate by 5points.

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  • author
    Tek Bhandari
    Mar 15, 2022
    It was very smooth process

    It was very smooth process. No stress at all. Thank you Even Thomas for your assistance for my auto Refinacing process. Regards

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  • author
    Natalie Broussard
    Mar 15, 2022
    Caribou good. Bank bad.

    I had a really nice experience with Caribou. It was quick and easy, and they handle all the complicated stuff on their side, which I really appreciated. I echo the sentiment of other reviews in that I was told I would receive one rate and actually received one sightly higher, but I can't complain too much as I was previously paying over 4% more. While my experience with Caribou was positive, the bank that is servicing my loan is terrible. Online payments come with a $10 "convenience" fee, and setting up automatic payments requires a phone call. In 2022. I got around all of that by using my bank's bill pay feature, but come on.

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  • author
    Manuel Rodriguez
    Mar 15, 2022
    It’s fabulous to work with CARIBU

    It’s fabulous to work with CARIBU, easy process and assistance was at its best. All set up was real fluent and no hassles.

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  • author
    Andy N
    Mar 15, 2022
    Recommend Caribou

    Amr was awesome and handled everything with courtesy and professionalism. Love the new rate and he explained everything fully.

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  • author
    Kim
    Mar 15, 2022
    Harry with Caribou

    The loan process was more complicated than I liked partly due to things that I did wrong and had to be redone. I was disappointed with Caribou and my loan officer Harry due to the fact that I picked a loan plan with a 2.92% interest rate and on completion I ended up with an interest rate of 4%, which is still better than the 7% I was paying, but it's the principle of the thing that I wasn't told anything about the higher interest rate and no explanation as to why. I was also told that I would receive a 25.00 gift card for my trouble of having to redue some paperwork, which I thought was very nice of them, but I have yet to receive the gift card lol. It's just the principle of the thing, don't tell me one thing and do something else and/or at least explain the reason why things occurred that way.

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  • author
    JOHN Kelly
    Mar 15, 2022
    Best experience so easy and…

    Best experience so easy and professional service saved months and money off payment. Would definitely use again. Thanks Caribou John K.

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  • author
    Delicia Sanchez
    Mar 15, 2022
    Fit right into my schedule

    Refinancing was the easiest for me and my fiancée to do with Caribou. We probably choose the worst time to refinance since we were both so busy with work and had other things outside of work but we got a few good offers. We went with Caribou because they made it really easy, we could continue the application process via email, text or phone. We were talking to a actual loan officer so when we were missing paperwork or unsure of something she pointed us in the right direction to move forward even after regular business hours. I really appreciated how flexible Caribou was with us and our schedule and kept things moving forward.

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