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Best for: Borrowers who want refinance options from community lenders

Caribou

Caribou — refinance APRs from 4.49% to 28.55% through local and community lenders.

Min credit
Not disclosed
APR
4.49%–28.55%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means Caribou does not publish this on their public site. "No restriction" means Caribou explicitly states no limit.

Overview

Caribou works with local and community lenders and publishes APRs from 4.49% to 28.55% (valid as of 2/3/26), with the lowest APR on a 36-month term for excellent credit. It refinances passenger vehicles but not motorcycles or commercial vehicles, and says you may be able to refinance with a credit s…

What’s great

  • Published APR range
  • May work with credit scores of 580 or higher

What to know

  • Works through partner lenders
  • No motorcycles or commercial vehicles

Eligibility

Minimum credit scoreNot disclosed
APR range4.49% – 28.55%
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthNot disclosed
States servedNot disclosed
Membership requirementNot disclosed

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Caribou's own published materials. Rates, eligibility, and terms can change — verify directly with Caribou before applying.

  1. [1]Auto Refinance — Caribou
    https://caribou.com/
    Last checked: October 2026