Banner for Caribou

Caribou Reviews 

2,172
TrustScore 4 out of 5

4.2

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 986 reviews, reviewers had a great experience with this company. Customers frequently mention that the vehicle refinancing procedure is exceptionally quick, completely seamless, and very straightforward from the initial phone call until final loan funding. Consumers truly appreciate the staff members, describing them as extremely knowledgeable, highly professional, and always available to provide supportive guidance throughout the entire journey. However, some people mentioned that communication could occasionally feel somewhat disorganized, noting they were contacted by multiple representatives asking repeatedly for identical information. A few reviewers also expressed clear frustrations regarding unexpected costs or interest rates that did not entirely match initial expectations.

What people talk about most

Staff

Customers had positive experiences with staff, highlighting their professionalism, patience, and helpfulness... See more

Service

Reviewers mention positive feedback about service, noting that the entire refinancing process is fast,... See more

Customer service

Clients share ambiguous opinions on customer service, reflecting a wide range of experiences. Many reviewers... See more

User experience

People report positive experiences with user experience, highlighting savings and overall satisfaction with... See more

Price

Users describe ambiguous interactions with price, as customer experiences regarding costs vary significantly.... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Overall great experience. The rate didn't match the karma promise, but not much higher. Also the 45 day thing isnt quit true as im paying interest on the old loan waiting on it to pay, but overall bet... See more

Company replied

Rated 4 out of 5 stars

I got a few different emails and text messages that were repetitive and some of my information had to be sent more than once. Over all I found the directions easy to follow. Caribou provided a notary... See more

Company replied

Rated 4 out of 5 stars

The process was easy but there wasn't always follow-up. I also had several duplicate requests for information. So far my experience with TBFCU has been good and that's who Caribou connected us with.

Company replied

Rated 4 out of 5 stars

My experience was good and ultimately I saved almost $200 on my monthly car payment. The process was very easy and quick! My only complaint was initially the response was that I would be saving a whol... See more

Company replied


Company details

  1. #212 of 258 best companies in Non-Bank Financial Service

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

4.2

Great

TrustScore 4 out of 5

2K reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 97% of negative reviews

Typically replies within 1 week

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.2

All reviews

(2,172)

984 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Bernice and Jamie were so professional…

Bernice and Jamie were so professional and helped me find the best deal. I appreciate their help. I would recommend Caribou because it helped made my car loan process easier and better for my family. Saved over $100 a month.

September 3, 2026
Rated 1 out of 5 stars

If I could give zero stars I would

If I could give zero stars I would.
I started my refinance in June 2026, I was offered mail by them and I tried them out only to hear good things about them. I’m going to tell you now, if you’re reading this, don’t even start with caribou. You’re better off trying without using this company. Because me and my partner has been patient and we’ve been working with them for over 2 months now. It’s September 3, 2026 well over 2 months. Don’t waste your time here. They all act nice until they piss off their clients because they have no clue what they’re doing. No one answering my calls or texts no call back or nothing. You guys are literally ignoring me at this point cause how is all 5 of you busy at the same time?i can’t get in contact with no one. I submitted, POA’s, paystubs, tax forms, took pictures of POA before sending them, they even had me to get a job offer letter for both me and my lady to better prove our income and we did all that you guys asked us to do for us just to get ignored? If you guys are annoyed of me calling in everyday to ask what’s goin on and eventually ghost me, how in the world do you think I feel?? I trusted you guys with my information, not to mention I had to sign a contract 3 times!! 3 times because YOU guys messed up the contract all 3 times. 1st I signed, the 2nd contract you guys didn’t even put my income, it was at 0$, and the third time you told me you had to correct the vehicle value or something, but you guys do a review process before sending to me to sign, but obviously you guys didn’t review ANYTHING. You guys just get paid to sit behind the desk without working. I wonder how the CEO/owner feels about his employees. Like I said, those were the 5 employees who ruined my 1st ever refinance process. I’ll never recommend caribou to anyone and I’m going to tell people to not use caribou even if they never heard of y’all. Advertised.

September 4, 2026
Unprompted review
Rated 1 out of 5 stars

Worst experience ever

Worst experience ever! 5 days of giving them access to my bank accounts filing out multiple documents sign documents because they messed up what they sent me. Very unhelpful and rude! Complete waist of time! Don't use!

September 2, 2026
Unprompted review
Rated 5 out of 5 stars

Wonderful help!

The process was smooth and everyone who I spoke with was knowledgeable and friendly. They really helped me along in the process and it was done quite quickly!

September 2, 2026
Rated 5 out of 5 stars

Professional but easy to talk to

Professional but easy going to talk to. Stayed in contact

September 1, 2026
Caribou logo

Reply from Caribou

Thank you for your review! We’re glad to hear our team was professional, easy to talk to, and kept you updated along the way. We appreciate you choosing Caribou!

Rated 5 out of 5 stars

I had a very easy experience

I had a very easy experience, Lori my agent was the best person I've dealt with in a long time. She was quick with responding to any question I had. The company got my rate down way more than I expected. The lender they used was a little slow, but they kept me up to date.

August 28, 2026
Caribou logo

Reply from Caribou

I had a very easy experience, Lori my agent was the best person I've dealt with in a long time. She was quick with responding to any question I had. The company got my rate down way more than I expected. The lender they used was a little slow, but they kept me up to date.

Rated 5 out of 5 stars

Got refinanced when Noone else would

Got refinanced when Noone else would. Thank you caribou!

August 28, 2026
Caribou logo

Reply from Caribou

Thank you for choosing Caribou! We’re so glad our team was able to help you find a refinance option when you hadn’t had luck elsewhere. We appreciate you trusting us with the process and hope you enjoy the savings!

Rated 4 out of 5 stars

Great staff and service while offering…

Great staff and service while offering some of the best prices

August 28, 2026
Caribou logo

Reply from Caribou

Thank you for the great feedback! We’re glad our team provided a positive experience and helped you find a competitive refinance option. We appreciate you choosing Caribou!

Rated 4 out of 5 stars

Everybody has been nice

Everybody has been nice. Was able to get my car insurance down almost 100 dollars.

August 28, 2026
Caribou logo

Reply from Caribou

Thank you for sharing your experience! We’re glad our team was friendly and helpful, and it’s great to hear you were able to lower your insurance cost as well. We appreciate you choosing Caribou!

Rated 5 out of 5 stars

Wonderful staff.

August 31, 2026
Caribou logo

Reply from Caribou

Thank you for the kind words! We’re so glad you had a great experience with our team. We appreciate you choosing Caribou!

Rated 5 out of 5 stars

The gentleman that called me to…

The gentleman Jared Z. that called me to finalize everything and ask some questions was exceptionally amazing! I could not if asked for a better representative. He was courteous, kind, well mannered, respectful and very down to earth.

August 30, 2026
Caribou logo

Reply from Caribou

Thank you for sharing such thoughtful feedback! We’re thrilled to hear our representative made such a strong impression with his kindness, professionalism, and down-to-earth approach. We truly appreciate you choosing Caribou!

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look