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Disclosures

Important federal and state-specific information about procedures for applying for credit.

Credit Authorization Consent

To check the rates and terms you qualify for, Caribou conducts a soft credit pull that will not affect your credit score. However, if you choose a loan product and continue your application, we or one of our lenders will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Federal Disclosure

IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR CREDIT

When you apply for credit, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see the applicant’s driver’s license or other identifying documents.

State Specific Application Disclosures

For California Residents: Married individuals may apply separately. In compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at legal@gocaribou.com.

For Maine Residents: You have the right of free choice in the selection of the agent and insurer through or by which insurance in connection with a loan is to be placed, including the right to choose an agent or broker whether or not that agent or broker is affiliated with a Creditor or Lender. Obtaining insurance products from a particular agent or broker does not affect credit decisions by the lender. Your choice of insurance will not affect the credit approval process unless the insurance does not satisfy the contract requirements or the insurance company does not satisfy the reasonable standards of the Lender.

For New York Residents: In connection with this application, a consumer report may be requested in connection with your application. Upon your request, we will inform you whether or not a consumer report was requested and, if it was, give you the name and address of the consumer reporting agency that furnished the report. If your application is granted, additional consumer reports may be obtained without further notice in connection with any update, extension or renewal of credit.

For Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

For Rhode Island Residents: Credit reports may be obtained in connection with this application for credit.

For Vermont Residents: If an account is created, you authorize the obtaining of credit reports for purposes of reviewing or taking collection action on the account or for other legitimate purposes associated with the account.

For Wisconsin Residents: Wisconsin law provides that no provision of a marital property agreement, a unilateral statement under the marital property law, or a court decree, will adversely affect a creditor’s interests unless the creditor, prior to the time the credit is granted, is furnished with a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. If you are making this application individually and not jointly with your spouse, you understand that Wisconsin law requires that your spouse be given notice of this credit obligation.

For Maine, Rhode Island and Tennessee Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of the contract. You may purchase required insurance through any agent or broker and from any insurance company that is reasonably acceptable to Caribou. You are not required to deal with any of our affiliates when choosing an agent, broker or insurer. Your choice of a particular agent, broker or insurer will not affect our credit decision, so long as the insurance provides adequate coverage with an insurer who meets our reasonable requirements.

With Caribou, you could start saving today!

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Contact Details
NMLS #1746612
1.877.445.0070

Mon - Thu: 9am - 9pm EST

Friday: 9am - 8pm EST

1717 Rhode Island Ave, NW, Suite 500 Washington, DC 20036


* Savings may result from a lower interest rate, longer term, or both. There is no guarantee of savings. Your actual savings, if any, may vary based on interest rates, the repayment term, the amount financed, and other factors.

+ To check the rates and terms you qualify for, we conduct a soft credit pull that will not affect your credit score. However, if you choose a loan product and continue your application, we or one of our lending partners will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

++ Social security number is required should you choose to move forward in the loan application process.

** APR is the Annual Percentage Rate. Your actual APR may be different. Your APR is based on multiple factors including your credit profile and the loan to value of the vehicle. Advertised 1.59% APR is based on a representative example of refinancing a 2019 or newer vehicle with a FICO score higher than 740 with enrollment in direct deposit payments via ACH. Not all borrowers will receive the lowest rate. All applications are subject to verification of employment. We do not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors.

Terms and Conditions apply. Caribou reserves the right to modify or discontinue products and benefits at any time without notice. Participating lenders, rates and terms are also subject to change at any time without notice. The information you provide to us is an inquiry to determine whether our lenders can make you a loan offer. If any of our lending partners has an available loan offer for you, you will be invited to submit a loan application to the lender for its review. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. We do not guarantee that you will receive any loan offers or that your loan application will be approved. If approved, your actual rate will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors.


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