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To check your refinance rates through Caribou, you’ll fill out a short application that provides us with general information about you, your current auto loan, and your vehicle. Then, our technology works, searching for auto refinance loans that fit your needs. If you qualify, you’ll see offers from our lenders with no obligation, no impact on your credit score, and no SSN required.

No. Caribou conducts a soft credit check to check the rates and terms you qualify for, and it will not affect your credit report. However, if you choose a loan product and submit your application, Caribou or one of their lending partners might run a hard credit pull, temporarily impacting your credit score.

When checking your rate, Caribou will need either your Vehicle Identification Number (VIN), license plate number, or the make, model, and trim of your vehicle. This information helps determine your vehicle's value and refinancing loan options.

Yes. With Caribou, you can add a co-borrower to your new loan if you live in a state that allows co-borrowers.

You can view your refinancing offers without submitting your Social Security Number (SSN). However, you must provide your SSN to complete your application and lock in your savings. Caribou uses the latest security methods to ensure your personal information remains safe.