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Caribou auto loan rates

Refinance specialist with fast online process.

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From APR
5.79%
Best advertised rate

This is the lowest APR Caribou advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Min credit
630+
FICO score

Caribou advertises its best rates to borrowers with FICO scores around 630 and up. Below that, approval is still possible - usually at a higher APR.

Loan amount
$5,000+
Up to $150,000

Caribou finances auto loans from $5,000 up to $150,000.

Loan terms
36–84
Months

Pick a repayment term from 36 to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's Caribou rates by loan type

Rates shown are the best advertised APRs as of June 15, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
Refinance 60 mo 5.79% Compare →
Lease buyout 60 mo 6.09% Compare →

Pros

  • Fast soft-pull pre-qual
  • Bundled GAP/VSC available
  • Good for newer vehicles

Cons

  • Refi only - no purchase loans
  • Origination fee on some lenders
  • Vehicle age cutoff

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