Caribou Reviews

All easy...UNTIL you read your contract.....sneaky sneaky. APR jumps 2% from the fixed number they use during their sales slime. Some of us do read. And 2% is a lot of fees on a 4.74% loan! Caribou will be gone within 5 years...BET!

This company has unfair practices which include not letting customer know about the documents required and their process. They also force their employees to call customers 2-3 times a DAY asking for documents (different people) with their goal being push as many files to bank as possible - not about making it a smooth process for us customers. They do not care about the customer or our privacy or respect our space - they are a harassment company that only cares about money. They should be reported to BBB for harassment, not providing clear information upfront and hiding details until you are too deep into the process to cancel out.

Application said save 4 months but only saving 2 from 38 to 36 and payment would increase making my final total 2k more. I called 2x and the 1st guy was only able to say I don't know how that works. 2nd call I was told by manager "AND? WHAT DO YOU WANT TO DO? CANCEL?" instead of fixing numbers as per my statement not credit report. Waste of time, waste of points too with hard credit check, waste of time. Low class people with 0 math skills and even even less customer service manners. I'm disgusted.

Decided to refinance through these guys. These are middleman that work with lenders. I knew this. To sum it up, I signed legal documents, sent notarized DMV paperwork and heard nothing FOR A MONTH!!!! The loan officers ignore your emails and phone calls/voicemails. Inbound is a call center based in india and they cannot help you at all. After opening a case with BBB, I heard back and they stated I was not approved. Yet I signed legally binding paperwork and all. THey did not even report my correct income on the application. Went with another company NALN (Nation Auto Loan Network) and successfully got refinanced in 2 WEEKS!!!! Check already made it to current lender. Caribou is a trash company. Don't waste your time and don't waste the hard inquiry on your credit.

Complete waste of time. Accepted an “offer” for Auto loan refi terms of 4.94% across 84 months based on information provided. Submitted all of the necessary documentation and then sat in limbo for a week. When I didn’t hear from Caribou, I finally called them, sat on hold for 25 minutes, answered the same questions AGAIN, and then was quoted a rate of 7.5%! I have flawless credit, a very low debt to income ratio, and that’s a much worse rate than I’m paying today. Thanks for wasting my time!

This company Caribou is a waste of time. It's fraud. Don't upload your information. Don't give them your personal information. They are fraud. They don't even help you. They are a London network which they're not the direct lender to make the decision so don't waste your time calling them because they don't know. They're fraud. I would never recommend nobody to them

I was hounded by text from Caribou to refinance- I did, uploaded documents then heard nothing- Had to call and see what was going on and was told they had no offer for me / rude- Waste of time and credit pull - Do not use them - Horrible service!!!!

Caribou took my information and I never heard back, the number they gave was a voice recorded message and no one ever available. Would not contact me with any information. I think it a horrible business. I had to pay for additional protections because Caribou left me vulnerable with no response. My advice is not to use this business.

They added 10% to my principal. Do not use them, very deceptive. I had a $500.00 loan I wanted to refinance. Now I owe $10,600.00. How do they keep doing business. I really hope people read this review so they go away.

Absolutely horrific! On 2 different occasions I attempted to complete a refinance that was approved. Either the agents are rude and dismissive or just plain absent (unreturned phone calls, ignored texts/emails, no updates). The car refinance broker model seems great, but someone leading the agents is not doing their job and demanding excellence from them. I would highly recommended you check elsewhere.