Caribou

I reached out to RateGenius and Caribou, and both were responsive but Caribou got us the lowest rate. The guy who helped us did a great job telling us what to expect. He spent a lot of time on the phone with both me and my dad asking if we had questions or concerns or anything he could help us with. He was very accommodating in that aspect. He had reached out to me through phone call and text message. I texted him back because it was late when I finally could get back to him and we arranged a time to talk. He was very flexible in his timing because I ended up getting called into a meeting. He was able to negotiate a full bumper-to-bumper warranty. He walked us through every single step of everything I had to do. He was always available when I needed him. Although my payment went down, it didn't go down drastically because I was able to add on some things that I didn't have with my original loan. It was such a smooth and easy process. I would do it 100 times if I needed to.

I refinanced my auto loan, and it was easy and quick. The rate was good too, but I don't know if it was totally worth it. I got a lower interest rate, but the end result of the loan amount was $6,000 more. I thought, “Hmm, I probably should have stayed with the rate that I had. It’s been coming out the same way.” The person I worked with was Arthur, and he is good. However, Caribou was asking for all this personal information, and I was hesitant because I’ve had my identity stolen before. Arthur assured me that it was safe and the call was recorded. There was just something about it, so I went to the Better Business Bureau and saw a really bad outcome for the reviews. I shared my concern, and he, again, reassured me. That experience was good, but we’ll see moving forward if whatever was promised that’s supposed to happen and good service will happen.

I would recommend Caribou. I started the process with RefiJet and the sales guy wouldn't call me back. Meanwhile, Caribou was calling and constantly reaching out. Finally, I couldn't get ahold of the Refi guy, so I called Tony from Caribou, talked with him and moved forward with the process with them. Our communication was great. However, I texted him July 29th after we finalized everything, and I haven't heard anything back from him. I don't know if that's another ghosting situation there, but he said he would help me.

The experience has been good with Caribou but when they send paperwork, it needs to be very clear on the instructions. They were not clear so I had to send three FedEx packages with different paperwork. The instruction says sign your name the same as your driver's license. I signed it the same way that I signed my driver's license. My wife and I did the same thing. It should say sign your first, middle, and last name. Nobody signs their middle name in their signature. But they said there's gotta be whatever middle name on there. I kinda knew you're not supposed to white out on documents like that, but I did and signed it. Caribou couldn't take it so the third time, we had to print it out, sign it and had it overnighted through FedEx. Other than that, the experience has been fine. I already got the approval and the process is in the very last stages.

The interest rates and pre-approval that I was offered were really good and the application was reasonable and straightforward. The person who helped me, Bruno, was very nice and super helpful. He explained things really thoroughly to me so I fully understood the next steps, what was required of me, and why it was required. Also, he was very available so anytime that I reached out through an email or a phone call with a question, he answered super fast. The process was very quick and simple.

The first time I contacted this service was through Credit Karma. I was offered to refinance with an interest rate 15% to a 7%. I thought it was an excellent offer and at that moment I uploaded all my documentation to continue with the process. Two days later I entered the Caribou website to review pending documentation and I see that from an initial balance that I have with Capital One of an amount of 9500 dollars. Caribou offered me to finance 11000 dollars. Plus another charge for 30 dollars for a service I don't need. Punching numbers, there is no savings anywhere and I decided to cancel my application.

They basically try to force people to accept higher fees in the loan so you are stuck in the new loan forever and end up paying more. They added over 3k A my moms loan when she was just trying to save money. Just a despicable company!

The process with Caribou went very smoothly and quickly. It was the best I’ve ever had. I was surprised because I never heard of this company, but everything was excellent. I give them a 10-plus. The rate and terms were very good. I had no issues at all and I appreciate it. I love it. I just shared the experience with my son and my other co-worker. They may want to refinance their car because it was very good for me. So, it might go very smooth for them as well.

Caribou was at the top on Credit Karma as far as the lowest rate. I saved a good amount. Dominic was helpful and told me I was good about getting all my stuff back. It was all through text messages. I closed on it a few weeks back. They said he didn't get certain paperwork, but I sent it back to him. I haven't heard back from him to make sure he got it. Other than that, the process was quick and painless.

Caribou's rep did really well. He helped me out every time I had a question. The signup went smooth and painless. I changed my payment date from September to August. The rep changed it right away.