The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.

Caribou Review

Find a customized quote easily

Reviews 490

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Michael Graw
Michael Graw
Aug. 15, 20224 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 2.32%. 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 2.32% 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
APR2.32%
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

Disclaimer

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 2.32% to 36.00% and is determined at the time of application. Lowest APR is based on loan amount of $45,000 and is available to borrowers with excellent credit and only in certain states. Advertised rates and fees are valid as of 8/5/2022 and are subject to change without notice. Lowest rate of 2.32% APR only available with a 36-month repayment term. Insurance savings will not result from lower APR. 

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 490
Visit Site

Trustpilot reviews

See what some costumers are saying about Caribou
Caribou
ExcellentReviews 490
on
Excellent
85%
Great
4%
Average
2%
Poor
1%
Bad
8%
  • author
    Fred Blanco
    Jan 01, 1970
    excelente gestión

    excelente gestión. Soy muy claros en los préstamos , Gracias Bruno por su excelente trabajo al refinanciar mi auto

    ...

  • author
    ISAAC LEE MARTIN JR
    Jan 01, 1970
    Much Better Interest Rate

    I liked the fact that a much better interest rate was obtained, however it did take longer than I thought in underwriting, and CSR could have had better communication explaining the extended period of time it took. Finally, was not advised the anount of finder's fee to Caribou. But, the new interest rate makes everything better!

    ...

  • author
    N/A
    19 hours ago
    Poor Customer Service and follow up

    Chris provided horrible customer service and onboarding experience. On this experience alone, I do not think I will ever use Caribou again which is a shame.

    ...

  • author
    Danny A.
    a day ago
    Great auto-refinance experience!

    The auto refinance experience with Caribou was quick and easy. Fill out a form online, get an email and a call within a couple of days, and boom, new car low payment in a couple of weeks. They did all the heavy lifting, were pleasant, helpful, and informative in all our interactions, and I still feel like I got a great deal. Win-win.

    ...

  • author
    brian abney
    Jan 01, 1970
    Refinance from gm

    Seriously easy process. I saved 7% from my loan I just got a month ago at the dealership. Can't recommend enough. Good customer team. Very good experience!

    ...

  • author
    Jon Lange
    Sep 22, 2022
    Excellent

    This was the best experience I've ever had when it came to a loan. Arthur was very personable and professional. He explained things thoroughly and answered all my questions honestly. I would recommend him to family and friends. Thank you Arthur

    ...

  • author
    Jaki Brown
    Sep 15, 2022
    The refinance experience was easy

    The refinance experience was easy. The representative was friendly and knowledgeable. The rate and terms are great. I recommend using Caribou for your refinance needs. Jaki Brown

    ...

  • author
    Customer
    Sep 13, 2022
    The process was quite time consuming…

    The process was quite time consuming and convoluted, lots of back and forth with the agent. Also, was blindsided by the astronomical fee they charged for the administrative fee. I wouldn't recommend this to anyone as in the end I'm not saving anything.

    ...

  • author
    robert burroway
    Sep 12, 2022
    Nina was helpful and walked me through…

    Nina was helpful and walked me through the whole process. She took extra time and communicated with me later into the evening then I would have expected because of the hours I worked she kept the process on track and help me complete all of the paperwork within time limit for getting the process done

    ...

  • author
    Sadie Durocher
    Sep 03, 2022
    Quick & Painless

    My experience with Caribou exceeded my expectations. Everything was so easy and went super quick. Communication took place throughout the entire process and my loan officer was so informative and kind. Would definitely recommend.

    ...

  • author
    Desiree Lal
    Sep 01, 2022
    Kind and proffesional

    Hi! I just recently refinanced with Caribou. Joey was very wonderful, proffesional, and kind when walking me through the refinancing process. I was able to get a cheaper monthly payment, and a better interest rate at the same time. I am very appreciative with how stress free this whole process was.

    ...

  • author
    Zakiah Tyson
    Aug 31, 2022
    I will like to start off by saying my…

    I will like to start off by saying my extwas great! Nina was very helpful she answered all my questions, and made the process so easy. I give this expression a 10/10 best decision I made.

    ...

  • author
    Donna Locklear
    Aug 31, 2022
    My experience was a nice one

    My experience was a nice one, my loan officer Nina made everything real easy and simple. Highly recommend if you're looking to refinance.

    ...

  • author
    Betty Palomino
    Aug 28, 2022
    Amazing Experience

    I am very happy that I chose Caribou for my auto refinance because my entire process when smoothly thanks to Danny D. Danny at Caribou was very helpful and answered all my questions promptly. If you are looking to refinance your vehicle you will be in good hands with Caribou.

    ...

  • author
    Tammy
    Aug 28, 2022
    Fast and easy service

    Fast and easy service. Arthur helped with refinancing my car. He did all the work. All i had to do was submit some forms. I would recommend Carbou to anyone interested in refinancing.

    ...

  • author
    Mario Escobedo
    Aug 24, 2022
    Arthur Scott did an amazing job helping…

    Arthur Scott did an amazing job helping me refinance my vehicle. He did a great job of informing me of the process and what I needed to take care of.

    ...

  • author
    Jason Justian
    Aug 24, 2022
    Excellent Experience

    When you do something you don't do too often, like refinance a car, you want to be in the hands of somebody who knows what they're doing. Someone who's responsive, professional, and knowledgeable. Arthur Scott from Caribou is one of those people. The process was fast and efficient, done mostly via email or text message. I'd gladly do business with Mr. Scott and Caribou again, when the need arises. Thank you!

    ...

  • author
    KM Horton
    Aug 22, 2022
    Nina Tapias

    Nina Tapias, the Loan Agent is phenomenal. She was patient answered all of my questions. Gave stellar customer service and had great communication. Most importantly saved me money.

    ...

  • author
    William Stewart
    Aug 22, 2022
    Shaloom useche helped me out and I…

    Shaloom useche helped me out and I saved almost $200 a month !

    ...

  • author
    Smooth_ Orange
    Aug 22, 2022
    Shaloom Useche, great job!

    Shaloom Useche did a great job in communicating with me in everything I needed to do and made my paperwork process and refi super easy and convenient! She is prompt at returning my texts and phone calls, and was clear in any questions I needed answered. They got me a great reduction in my rate as well

    ...

  • author
    JPatrick Baker
    Aug 18, 2022
    10/10 Arthur was very helpful…

    10/10 Arthur was very helpful throughout the process of my first time refinancing and made sure i understood what was going on all throughout!

    ...

  • author
    Casey Parker
    Aug 17, 2022
    Arthur was a thrill to work with got my…

    Arthur was a thrill to work with got my car loan refinancing done quick and fast thanks for the outstanding job

    ...

  • author
    Michelle Tumpkins
    Aug 17, 2022
    The person I spoke with was absolutely…

    The person I spoke with was absolutely rude and not empathetic about the situation at all. He was laughing and being extremely rude about it. Told me to “make more money or you know get a parent or co-signer” in the most nonchalant manner. He almost insinuated his manager was laughing too. Even if I did go “make more money or you know go get a parent or co-signer” I wouldn’t dare come back to your business. First impressions are everything and you certainly blew it.

    ...

  • author
    Kyle Scott
    Aug 15, 2022
    Excellent Service!

    My loan officer was Shaloom Useche, she made everything simple and straightforward, and handled all the details carefully and efficiently. I couldn’t be happier!

    ...

  • author
    Tiffany Kirby
    Aug 14, 2022
    Arthur was AMAZING

    Arthur was AMAZING. He answered every and all of my questions within a timely manner. He helped me get everything taken care of in just a few days!

    ...

  • author
    Jordan Felton
    Aug 13, 2022
    Frustrating Process

    The agent Sara was nice enough but when it came to sending her my documents the process was not smooth at all. I would send her my docs and she would say “ok yes this will work” but then come back later and say she needed something else. I had to notorize documents 4 different times, wasting my time and money, because she kept approving them without recognizing errors and then would come back later and say there was an issue. It was a very frustrating process for me, but I’m giving 3 stars because they got me a much lower car payment and they did send a gift card for the inconvenience.

    ...

  • author
    Therene Alston
    Aug 13, 2022
    My experience was great

    My experience was great. Liz was extremely helpful through the process. Caribou offered me my refi when two others denied. Not sure why I was denied all my scores were over 650 and no late payments. Either way Caribou approved me!

    ...

  • author
    Michael Naegele
    Aug 09, 2022
    Easy process

    Arthur Scott made getting refinanced easy. If Caribous is hiring nothing but people like him, youre in good hands!

    ...

  • author
    Andrew Gutholm
    Aug 04, 2022
    Arthur S helped refi my auto loan

    Arthur S helped refi my auto loan, and saved me a ton.

    ...

  • author
    Alicia Kraus
    Jul 31, 2022
    So surprised!

    I was so surprised with how fast I was able to refinance my car. Arthur helped me get my car refinanced within the day! He made everything go by fast and easy. Will definitely be recommending to friends and family.

    ...

  • author
    Julia Kunze
    Jul 29, 2022
    Nina was very helpful

    I enjoyed using caribou to refinance my loan. Nina helped me and she communicated with me clearly. I knew everything I needed to get done and she was very quick to respond and patient with me.

    ...

  • author
    Maruf Mamurovich
    Jul 22, 2022
    Nina has been super helpful

    Nina has been super helpful in guiding me throughout the entire process.

    ...

  • author
    Kanel
    Jul 19, 2022
    Solid user experience and savings all-around

    Solid user experience all-around from the Caribou interface/site, online application process, online loan management, and most of all the personable and diligent service by my Loan Officer, Arthur Scott, Jr.! And best of all, they managed to find the most competitive rate for my refi loan; lowering my monthly payments by over 10%.

    ...

  • author
    jenny manning
    Jul 15, 2022
    Great experience

    Great experience and Arthur was the best walking me thru the process and making sure I had everything I needed as well as making sure I understood all information. Would do business with them again and recommend to family and friends.

    ...

  • author
    Edna Fuentes
    Jul 05, 2022
    Arthur was great explaining everything…

    Arthur was great explaining everything I needed to know and was available when needed.

    ...

  • author
    cantlvie4ever
    Jun 30, 2022
    Carribou

    Carribou, especially Authur who held my hand from start to finish.

    ...

  • author
    Deon Beasley
    Jun 30, 2022
    Thanks for all the help Arthur Scott…

    Thanks for all the help Arthur Scott really made it easy and was very helpful

    ...

  • author
    Teresa Krell
    Jun 28, 2022
    Ryan at Caribou Financial

    Ryan McDaniel at Caribou Financial made my refinance on my car the best and easiest process. I contacted Caribou, Ryan answered and took over to do everything for me and was on top of the process the entire time. He took the time to give me the best rate and made sure I understood everything before I moved forward. He was available when I needed him and was very professional. The smoothest process I’ve ever had due to him and I was able to go about my day. Thank you, Ryan. I would definitely recommend Caribou to anyone.

    ...

  • author
    Dan Sather
    Jun 24, 2022
    My wife and I were working with Coy…

    My wife and I were working with Coy Nguyen from Caribou to help with an auto loan. After we send our documents and he ran our credit, he stopped replying to my emails. I'm still not sure where we stand as no one from the company will talk to me.

    ...

  • author
    Shawn White
    Jun 24, 2022
    Easy & Fast process with Great Rates

    Such an easy and fast process. Daniel Schoonmaker was so helpful and quick to reply. My only regret is not doing this earlier. Got a great rate and saving lots of money in interest and a lower payment. What's not to like.

    ...

  • author
    Emily G. Schwab
    Jun 24, 2022
    I’d give my experience more stars if…

    I’d give my experience more stars if possible. It’s not completely finalized, but I am so impressed with the representative who helped me through the process. High five to Jim Hatch.

    ...

  • author
    Kiko Vazquez
    Jun 22, 2022
    GREAT

    GREAT, FAST AND EASY THANKS ARTHUR SCOTT FOR YOUR HELP

    ...

  • author
    Todd Smith
    Jun 15, 2022
    Incredibly negative experience

    Incredibly negative experience. To begin with, I have GOOD credit, not excellent, but good (700+). I responded to their outreach to help me find a better rate on my car loan. Very little transparency into the situation. After a hard credit pull that pushed my score down, I was told they couldn't get me a loan with their first choice. Again, I have a strong income and a score north of 700. They asked if they could try again. so I agreed. Second hard pull. Credit dinged again for that. Then? Nothing. The person I was communicating with simply disappeared. So I now have two new inquiries on my credit and nothing to show for it. They will tell you they can save you hundreds a month, but really they just hurt your credit and do nothing and don't communicate. I wish I had never heard of these clowns.

    ...

  • author
    Krystal Borreson
    Jun 08, 2022
    Really Quick and Helpful

    Mr. Arthur Scott did a great job of quickly getting my car refinanced at a much better rate and helping me through the process.

    ...

  • author
    Tiffany Parks
    Jun 05, 2022
    Very good customer service and a very…

    Very good customer service and a very easy process.

    ...

  • author
    Casimir Finley
    Jun 04, 2022
    Smooth and easy process

    Wanted to refinance my vehicle and filled out an application online. Loan officer Arthur Scott, with caribou, immediately responded to my application and assisted with the refi process. I was able to get a lower APR and payment within my budget. He did all the heavy lifting, and made this process a breeze. He is very knowledgeable, and helpful is an understatement. If you need help refinancing, Arthur is your guy 100%!

    ...

  • author
    Rayven King
    Jun 02, 2022
    Refinancing with Caribou was so simple

    Refinancing with Caribou was so simple. Working with Shaloom Useche was quick and convenient with my ability to do most of the paperwork right from my phone (texting or email) and on the go. I was on the phone for about a hour to discuss all of the information needed and I didn't feel rushed or forced to make a decision. I would definitely recommend working with her and giving this company a chance due to their great rates, transparency and efficiency. I was approved and funded in less than a week. Good job Caribou.

    ...

  • author
    hannah corona
    May 26, 2022
    Give them a call

    We received such a professional service, we were explained and supported though the whole process. Plus, we ended up with the greatest offer in the market. Thank you Caribou.

    ...

  • author
    Steve Hung
    Jun 13, 2022
    DO NOT USE THIS COMPANY!!!

    They claim to "bend over backwards" to be transparent. However, that was not my experience. Without diving into too much of the details, was told fixed rate term was 4.24% and with prepaid finance charges/fees the true APR would be 4.44%. Totally makes sense. The issue was when I was asked to sign a DocuSign. I noticed the stated APR was what they said, at 4.44%, but the monthly payment DID NOT match either of their quoted rates (4.24% fixed or 4.44% APR). They prey on people who overlook this detail or are unable to calculate the payment on their own. At the higher monthly payment that was stated on the DocuSign, the APR was really 4.56% and fixed rate was really 4.36%. When I asked about this (thinking it was a typo and not yet fraudulent), I was told "Don't worry about it. You will pay the lower payment we agreed to on the phone." I asked why the payment I agreed to on the phone (and the payment they continue to claim would be lower) was NOT IN WRITING on the DocuSign. Answer again was "don't worry about it." I asked what my legal recourse would be if I signed a legally binding contract with the higher monthly payment. And what I can do when I get my first bill it is in fact more than what they claim would be the lower payment they quoted (but not in writing)? They said, "that won't happen but if it does, we'll give you a $50 gift card." A $50 gift card???? Are you serious!?!? You just ripped me off for way more!!! The difference for my actual contract would have equated to over $360 for the life of the loan. So, basically they are saying we know you’re signing away your life to the higher payment, which is legally binding, but we'll keep telling you that it is not the case and that you will pay the lower rate....but you won't know or be able to prove it until you sign the legally binding document. But if we're 'wrong,' (which they know they will be) we'll reimburse you with a $50 gift card that also won't be listed in writing. When I tried to reason with the sales person and his manager with actual screenshots of correct calculations and his erroneous calculations, he refused to do the calculations himself and kept claiming the Caribou calculator is correct. Also told me that he's been the finance business for a whole 7yrs and that I did't know what APR was. I then proceeded to explain to him what I think APR is and asked him if I was correct. He then agreed that I knew how APRs work. (I've been in the finance business for 24 years myself). He then sent me an online APR calculator to prove his point. So, I used it and plugged in his numbers. The APR I got on HIS suggested calculator verified that the APR (4.56%) was indeed higher than what was stated in the DocuSign. I even reverse-engineered where I think his number was wrong. It was someone mixing up the number "9" and "6" in the borrowed amount. I was trying to show him that I did not believe it was intentionally fraudulent but more likely human error. I was trying to give him the benefit of doubt and not claim any fraud. Yet again, he refused to do anything and basically told me to take the loan or leave it. The fact that he refused to or could not adjust his calculations meant his in-house calculator may be baking in some hidden fees (that he may not even be aware of). In this case, it was about $270 in additional charges in order to make his APR match the new higher monthly payment. So, $270 (one time) + the $360 ($5/month for 72 months) equates to $630 of hidden charges. It's not much, in the grand scheme of things but still $$$ that you & I do not need to pay. Obviously, I did not proceed with this. I am providing you this as a tale of caution. If you are active duty military or a Veteran, go straight to USAA. Their numbers match exactly what they say and you sign docs stating exactly what you are paying. Update: The also fakely care about responding to your reviews. Publicly (on this site) they look like they care and are reaching out to you. They sent a request for me to enter my contact info, which I did. It's been over a week and nothing....what a joke! It is now almost a month later, still no response from this horrible rip people off company. SHAMEFUL. You reached out privately and I filled out my information for you to reach out. JUST SO FAKE. Trying to fake people out with "we reached out to you privately."

    ...

  • author
    Matthew Gillen
    May 25, 2022
    Working with Nina was great

    Working with Nina was great! She was able to reduce my APR by 50%! She was timely, polite, and helped me with everything I needed to get a new auto loan quickly!

    ...

  • author
    Keegan Johnson
    May 25, 2022
    Great Experience with Caribou and Daniel Schoonmaker

    I had a great experience working with Daniel Schoonmaker at Caribou to get my vehicle refinanced. They have great partnerships with a variety of lenders and did all the backend work to get me matched with a solid one. I simply wanted to lower my monthly payments and we were able to do just that, while still saving on my overall loan. Daniel was readily available and responsive throughout the entire whole process. Highly recommend!

    ...

  • author
    Alan Parrish
    May 24, 2022
    The process of refinancing the auto…

    The process of refinancing the auto loan was easy and painless. Nina was very helpful and pleasant to work with.

    ...

  • author
    Tyler Morgan
    May 23, 2022
    Quick decision

    Quick decision, funding, and representative response. I got a great rate and an even better payment. I've refinanced a few vehicles in my lifetime, and Caribou made it super easy.

    ...

  • author
    Angela
    May 20, 2022
    This was my very first refinance

    This was my very first refinance. Not knowing how the process worked, I was a little nervous & unsure about the process. Nina was amazing and explained everything thouroughly! She walked me through the steps/process, took time to explain what would happen next. If I left messages, she was quick to respond.

    ...

  • author
    Wyatt Bowman
    May 19, 2022
    Everything was quick easy and smooth…

    Everything was quick easy and smooth thanks to Nina !!!

    ...

  • author
    Joyce Halili
    May 18, 2022
    First of all I wanted to thank Arthur…

    First of all I wanted to thank Arthur Scott for helping us with the process. He is very patient, straight forward and very quick to respond. The process was quick and easy, and they gave us a very good interest rate.

    ...

  • author
    Patricia Trevino
    May 16, 2022
    Thank you so much for everything you…

    Thank you so much for everything you made fast and easy with no complications, Will refer my family and friends

    ...

  • author
    Justin
    May 16, 2022
    Caribou is the way to go!

    Using Caribou to refinance my car loan was the best decision I could have made! We got a tremendous offer that reduced my car payment by $100 and that's not even the best part. The loan officer handling the refi of our loan was VERY helpful and with us every step of the way. Caribou made the refinance process easy and painless. Would HIGHLY recommend their services to anyone looking for a quick and easy loan refinance.

    ...

  • author
    Yemi Olomola
    May 16, 2022
    Kudos to Arthur Scott for making my…

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

    ...

  • author
    Aleksey D.
    May 12, 2022
    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 !

    ...

  • author
    Rhoponza Tolbert
    May 12, 2022
    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 . 🤗

    ...

  • 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!!!

    ...

  • 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.

    ...

  • 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!

    ...

  • 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.

    ...

  • 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.

    ...

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

    Arthur was super helpful and great to work with!

    ...

  • 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!

    ...

  • 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.

    ...

  • author
    Jeff Mulholland
    Apr 27, 2022
    Great experience

    Great experience. DANIEL SCHOONMAKER was a perfect representative.

    ...

  • 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.

    ...

  • 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.

    ...

  • author
    Mark B.
    Apr 21, 2022
    Highly Recommended

    Daniel is the best! Simple process with excellent communication!

    ...

  • 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!

    ...

  • 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!!

    ...

  • 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!

    ...

  • 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.

    ...

  • 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.

    ...

  • 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!

    ...

  • 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.

    ...

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

    AWESOME SERVICE!!!!

    ...

  • 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/

    ...

  • 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.

    ...

  • 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

    ...

  • 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.

    ...

  • 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

    ...

  • 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.

    ...

  • 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.

    ...

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

    Very quick and easy process.

    ...

  • 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!

    ...

  • 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.

    ...

  • 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.

    ...

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

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

    ...

  • 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.

    ...

  • 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!

    ...

  • author
    Juan Factor
    Mar 18, 2022
    Very helpful

    Very helpful! Thank you!

    ...

  • 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!

    ...

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

    They made the process of refinancing my car simple!

    ...

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

    Excellent service my refinance went very smooth thanks to them.

    ...

  • 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.

    ...

    BestMoney.com

    Copyright © 2009-2022 Natural Intelligence Ltd. All Rights Reserved.

    By using our content, products & services you agree to our Terms of Use and Privacy Policy.

    NMLS Consumer Access

    Bestmoney is a dba of Natural Intelligence Technologies Inc.

    Natural Intelligence Technologies Inc. NMLS # 2084135

    CT: Mortgage Broker only, not a mortgage lender or mortgage correspondent lender.

    • About Us
    • Cookie Policy
    • Terms of Use
    • Partner with us
    • Privacy Policy
    • Contact

    Designed to help users make confident decisions online, this website contains information about a wide range of products and services. Certain details, including but not limited to prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice. Though based on meticulous research, the information we share does not constitute legal or professional advice or forecast, and should not be treated as such. Company listings on this site DO NOT imply endorsement. We are not a loan provider or a broker and we do not offer loans or mortgages directly to end users, but only allows users to match with lending partners and platforms that may extend a loan. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. Any matching request submitted through our website does not constitute a loan application and you will have to submit a loan application to the respective lender before the lender provides you with an actual offer. We do not warrant that you will be approved for a loan, nor that you will be offered a loan with the same terms presented on our website.

    Insurance services offered through Natural Intelligence Technologies Inc.: Licenses

    Reproduction in whole or in part is strictly prohibited.