Fernando Márquez was our main financial advisor and he did an excellent job. Super patient and on top of things. Jessica helped us too and the staff was amazing. We had a lot of issues with the bankin... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Caribou communicates well. I was able to call and get information about my application. There is an online portal as well to track. They do everything for you in terms of transferring title and paying... See more
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The only issue I experienced was trying to get an update before approval. seemed to take awhile to get confirmation of approval. I guess my loan officer must've had to many loans going across her desk... See more
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I appreciate that you guys did not bait and switch. You advertised a good rate, you gave me approx. that rate (I have excellent credit) and you did not switch it along the way. It was fast and relat... See more
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Company details
Written by the company
Caribou is the smart way to lower your car or truck payments. Our streamlined process makes it quick and easy for you to refinance your auto loan. We work with a network of highly trusted lenders and utilize advanced technology to find you the most competitive offers in minutes. Our friendly team of experts provides personalized support to help you every step of the way. At Caribou, we know how busy life can get. That’s why we’ve made refinancing quick, easy, and stress-free. Whether you’re looking to reduce your monthly payment, lower your interest rate, or both, we’ve got you covered. Our tech-driven platform makes it simple to compare rates from multiple high-quality lenders, ensuring that you get the most competitive offers for your loan. Plus, our dedicated customer support team is available to walk you through the entire process and answer any questions. Get started today.
Fast, Easy Auto Refinance
Written by the company
- Why refinance through Caribou?
- * Pre-qualify in minutes without a hard credit pull * Compare offers from multiple lenders all in one place * Quick and easy online application * All-star customer support team * No application fees or upfront costs * Trusted by over 100,000 customers like you
- Eligibility
- * Minimum credit score of 580+ * Minimum annual income of $24,000 * Allows co-borrowers * Not available for motorcycles, commercial or recreational vehicles *Available in all states except: Maryland, Nebraska, Nevada, West Virginia
- Criteria
- * Loan amount $5,000-$125,000 * Payment term 24 months-84 months
Contact info
United States
- caribou.com
4.2
Great
2K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 98% of negative reviews
Typically replies within 1 week
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N/A..it was ok
March 25, 2026
Reply from Caribou
Hi Roland, thanks for your feedback! We really appreciate you taking the time to share it. We’re glad your experience was overall positive, though we’re always looking for ways to make it even better. If there’s anything you’d like to share or if we can help further, please feel free to reach out to us at contact@gocaribou.com
I absolutely would not recommend this…
I absolutely would not recommend this company to anyone. The process was disorganized and frustrating from start to finish. Despite providing accurate documentation, my income was incorrectly evaluated, and no clear explanation was given. It felt like a complete waste of time. If you’re looking for a smooth and professional experience, I would strongly suggest going elsewhere.
March 28, 2026
Unprompted review
Reply from Caribou
Hi, thank you for taking the time to share your feedback. At Caribou, our goal is to deliver exceptional service to every customer.
I had a chance to review your file and I was happy to see that a Caribou Loan Advisor emailed you regarding the status of your application. If you have any additional questions, please reach out to us at contact@gocaribou.com
Reply from Caribou
Thank you for your kind words! We’re glad to hear you had a positive experience with our team. Providing friendly and professional support is something we take pride in, and it’s great to know that came through. If there’s anything else we can help with, please reach out to us at contact@gocaribou.com
Perfect
Perfect, and you guys found me to save me from APR 25% to 9%! Amazing! 10/10
March 28, 2026
Unprompted review
Reply from Caribou
Thank you for your review! We’re thrilled to hear you were able to secure such a significant improvement in your rate. Helping our customers find better options and save money is we're here for, so it’s great to know we delivered for you. If you ever need anything down the road, please reach out to us at contact@gocaribou.com
Was pretty easy and quick
Was pretty easy and quick , had a few different options and found what I was looking for. Awesome customer service reps to work with.
March 24, 2026
Reply from Caribou
Thank you for sharing your experience! We’re glad to hear the process felt quick and easy and that you were able to find an option that worked for you. It’s great to know our team made a positive impression along the way. If you ever need anything else, please reach out to us at contact@gocaribou.com
Reply from Caribou
Hi Benito, thank you for your review! We’re so glad to hear you had an excellent experience. Our team is committed to making the process as smooth and straightforward as possible, and it’s great to know we delivered for you. If there’s ever anything else we can help with, please reach out to us at contact@gocaribou.com
Overall good experience but could be better.
Overall I found the experience to be positive and for the most part very easy. I didn’t give 5 stars because I feel there are a few things that are lacking.
From the time I submitted an initial application it seems like things were tackled with a since of urgency but after I received my email saying my loan was approved, everything came to a standstill. Your email stated after the approval and uploading of documents someone would reach out within 2 Buisness days and that did not happen. There was no call, email or text. I literally waited a week and then had to call to find out what the status was and only then did the process get started again and this lack of communication really slowed/stalled the whole process. Once the process started again everything was once again going smoothly until it came time to sign the contract. This contract contained an item in it that was not mentioned beforehand and the document was not clear as to if it was a one time fee or recurring and this made me not want to sign the contract. I provided feedback to my loan advisor about this and his response was “ I appreciate the feedback. These details are outlined in the lender’s documents as well. Before we wrapped up, I did ask if you had any questions and made sure you had my contact info in case anything came up or you wanted to hop back on a call.” While he may feel that is an acceptable response, I was not provided any “lender documents” before the contract came and it’s ridiculous to think I would be able to ask a question before “ wrapping up” if I hadn’t received the contract yet so I couldn’t possibly know about the document in the contract to ask a question about it. I do give my loan advisor credit, he was extremely helpful and timely with responses once I had a question or concern so for that reason, I still give the process 4 stars overall. It is just my opinion that the process does have some areas to improve that would make it top notch.
March 26, 2026
Reply from Caribou
Hi, thank you for taking the time to share your feedback. At Caribou, we’re committed to making the refinance process smooth, transparent, and supported by clear communication every step of the way.
Feedback like this is incredibly valuable, and we’ve shared it with our team as we continue working to improve both our systems and how we communicate important details.
We're glad you found the overall experience to be positive. We invite you to visit www.caribou.com in the future to explore additional options that may be available to you.
It was great experience
It was great experience! It took a little longer than I initially expected, but eventually everything came together! Thank you Caribou team!
March 25, 2026
Reply from Caribou
Thank you so much for your kind words, Angela! We truly appreciate you taking the time to share your experience.
We’re so glad to hear everything came together in the end and that you had a positive experience with our team. Your patience means a lot to us, and we’re grateful you chose Caribou to help with your refinance.
If you ever need anything in the future, we’re always here for you. Thanks again for choosing Caribou.
Fast and friendly service
The agents were very friendly and the process was very fast!
March 16, 2026
Unprompted review
Reply from Caribou
Hi Tim, we really appreciate your feedback! It’s great to hear our team was friendly and that everything moved quickly for you.
Thanks again for choosing Caribou and for taking the time to share your experience.
If you have any questions down the road, please reach us at contact@gocaribou.com.
Reply from Caribou
Hi Marc, we appreciate the kind words! Our goal is to make things easy to navigate while keeping communication clear and helpful, so we’re glad you had a positive experience.
Thanks again for choosing us and for sharing your feedback.
If any questions come up, you can always reach us at contact@gocaribou.com.
The process was easy
The process was easy. I just sent a few pictures of my info and it was done.
March 23, 2026
Reply from Caribou
Hi Lisa, thank you for the kind feedback! We’re glad to hear everything felt simple and easy to complete. That’s exactly what we aim for.
We appreciate you taking the time to share your experience.
If there’s anything you need later on, please reach out to contact@gocaribou.com. We’re here to help.
Found me a low rate
March 20, 2026
Reply from Caribou
William, thank you for taking the time to share your experience! We’re delighted we could help you get a better rate. Knowing we’ve made an impact is what drives us every day. If there’s ever anything more we can do for you, just let us know. We’re always happy to help!
They released my info to the dark web
They released my info to the dark web. Then they call asking to verify a few things, instead they lied to me about the reason for the call. They also said they had me approved, but it turned out on the call they were lying about that as well. I think they are just a middle man selling your information to other banks. CAUTION!
March 26, 2026
Unprompted review
Reply from Caribou
Thank you for your feedback. At Caribou, we take data privacy and transparency very seriously. You can refer to Caribou's online privacy policy at https://caribou.com/privacy-policy/ which explains the information we collect and how it's used.
If you have any additional questions, please email contact@gocaribou.com, and a member of our team will be happy to help.
It was easy and helpful
March 23, 2026
Unprompted review
Reply from Caribou
Arlene, thank you for leaving us a review! Our goal is to make the auto refi process as quick and easy as possible, and it’s always rewarding to hear when we’ve delivered on that promise. We appreciate your feedback and are here if you ever need us again!
Process was quick and easy
Process was quick and easy, and the staff was very friendly!
March 25, 2026
Reply from Caribou
Mindy, thank you so much for your kind words! We’re delighted to hear that you had a smooth, easy experience with great service. That’s exactly what we aim for. If there’s anything more we can do for you, just reach out. We’re always happy to help!
Fast
Fast, helpful agents that were with me thru the whole process of refinancing at the payment I wanted.
March 18, 2026
Reply from Caribou
Jerry, thank you for sharing your experience! We’re so glad to hear our team was able to support you every step of the way and help you land a payment that works for you. It’s always rewarding to know we’ve helped make a real difference. If you have any questions down the road, don’t hesitate to reach out. We’re here to help!
I had an extremely frustrating…
I had an extremely frustrating experience with Caribou. The process was disorganized, repetitive, and unnecessarily complicated from start to finish.
Despite clearly resolving a DMV-related issue and confirming there were no active holds on my registration, I was repeatedly asked to “clear violations” that were already handled. Even after explaining this multiple times, the same requests kept coming back in a loop, as if no one was actually reviewing the information provided.
The representative in particular, seemed completely unaware of the status of my file and repeatedly asked for the same documents and explanations. It felt like there was no internal communication or understanding of their own requirements or terms. Every interaction led to the same questions being asked again, with no progress.
What should have been a straightforward refinance turned into weeks of back-and-forth, with constant delays and zero accountability. It honestly felt like they were creating unnecessary barriers instead of helping move the process forward.
Overall, the experience was inefficient, frustrating, and a complete waste of time. I would strongly recommend going directly through a bank or another lender rather than dealing with Caribou.
March 26, 2026
Unprompted review
Reply from Caribou
Hi George, thank you for taking the time to share your experience. At Caribou, we strive to make the auto refinance process as smooth, transparent, and well-supported as possible, so we’re sorry to hear your feedback.
We understand it may have been challenging to navigate information with the DMV, and we’re always working to improve how we guide customers through situations like this.
If you’re open to it, please reach out to us at contact@gocaribou.com, and a member of our Customer Support team will be happy to assist.
Laura was wonderful she made everything…
Laura was wonderful she made everything smooth and easy! She was able to answer all of my questions!
March 24, 2026
Unprompted review
Reply from Caribou
Meagen, thank you for sharing your experience! We take great pride in making the auto refinance process fast and easy, so we’re thrilled to hear that was the case for you. I’ll be sure to pass along your kind words to Laura—they’ll be delighted to hear your feedback! If you ever need anything else, we’re here to help.
Caribou was right on it when I sent in…
Caribou was right on it when I sent in an inquiry. They lowered my interest rate and monthly payment in a timely manner. All documents were online and done efficiently. Thank you!
March 17, 2026
Reply from Caribou
Tiffany, thank you so much for your kind words! We’re thrilled we could help you save. Making a positive difference in our customers’ financial lives is the best part of what we do. If you ever need anything else, we’re here for you.
Very frustrating experience
Very frustrating experience. I would strongly recommend working directly with a lender instead of using a broker, especially Caribou. The process has been slow, disorganized, and my issue is still not resolved.
I started my auto refinance process with Caribou before February, and it has now been over two months with a very frustrating and disorganized experience.
Throughout the process, I was contacted by multiple different representatives, with no clear point of contact. Each time I was told everything was complete, new documents were requested, which caused continuous delays.
My loan was eventually approved and funded by Consumers Credit Union on March 2. However, Caribou delayed sending the payoff to my previous lender (GM Financial) for several weeks. I was never proactively informed about this. I only found out after contacting the new lender myself.
Because of this delay:
I was forced to make an additional payment on March 16 to my previous lender
I currently have two active auto loans for the same vehicle
Interest continues to accrue on the previous loan
When I contacted Caribou, I did not receive clear answers. I was told to “wait 24 hours,” redirected between teams, and given generic responses that did not address my situation.
Even after escalating, the only communication I received was a general email stating that the payoff “has been sent” and that I am responsible for continuing payments. No explanation was provided regarding the delay or the financial impact caused.
This process has been far from what was advertised. The refinance was supposed to be simple, fast, and efficient, but instead it has been slow, unclear, and poorly managed.
Based on my experience, I strongly recommend working directly with a lender rather than using a broker like Caribou.
March 23, 2026
Unprompted review
Reply from Caribou
Hi Camilo, thank you for taking the time to share your feedback. At Caribou, we strive to make auto refinancing as smooth, efficient, and transparent as possible, so we’re sorry to hear that your experience didn’t meet those expectations.
To ensure you have the most accurate information, one of our Support Managers reached out to you directly on March 30th. Their email contains a detailed update on your loan and the solutions you were looking for.
If you have any additional questions, please reach out to us at contact@gocaribou.com
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