Best Auto Refinancing Loans July 2025

You agree that You will use Gravity Lending Credit Monitoring Services only for your own behalf. You will be responsible for all use of your membership number and must notify Gravity Lending immediately of any unauthorized use of your membership number, or the theft or misplacement of your membership number.

You understand that by enrolling in the Gravity Lending Credit Monitoring Services service, You are providing “written instructions” in accordance with the federal Fair Credit Reporting Act, as amended (“FCRA”), for Gravity Lending and its service providers, which may include CSIdentity Corporation (“CSID”), to obtain information from your personal credit profile from Experian, Equifax, and Transunion, the three major credit reporting agencies. You authorize Gravity Lending and its service providers to use your Social Security number to access your personal credit profile, verify your identity, and to provide credit monitoring, reporting and scoring products.

APR (Annual Percentage Rate) is accurate as of the publication date and subject to change. Actual APR is subject to credit approval and selected term duration. APR advertised is based on several variables, such as your credit score, your vehicle being refinanced, your home address, and length of payment terms. The actual payment amount is based on APR and term duration and is subject to lender approval and credit terms.

* This information is estimated based on consumers who were approved for an auto refinance loan through Caribou on or after 1/1/2022, had an existing auto loan on their credit report, and accepted their final terms. As of 9/27/2022, borrowers who refinance save an average of $111.16 per month. Refinance 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 refinance 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. APR ranges from 2.83% to 36.00% and is determined at the time of application. Lowest APR is based on loan amount of $45,000, 36 month term, and is available to borrowers with excellent credit and only in certain states. Conditions apply. Advertised rates and fees are valid as of 11/1/2022 and are subject to change without notice. Insurance savings will not result from lower APR.
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. Offers not available in MA, MD, MS, NE, NV, WI, WV.
Insurance products offered through Bindable and Caribou Insurance Services, LLC. Caribou is working with Bindable who owns MyLifeProtected and MassDrive Insurance Group, LLC, the licensed agent for all products.

AUTOPAY offers this loan application and services subject to the following terms and conditions (“Agreement”). Please read this Agreement carefully before using this website or submitting a loan application. By using this website, you accept the terms and conditions outlined in this Agreement. If you do not agree to the terms and conditions outlined in this Agreement, you must not use this website or submit a loan application.

As used in this Agreement, the terms “we” and “us” mean The Savings Group, Inc. and the companies in which The Savings Group, Inc. directly or indirectly owns a majority interest, commonly called “subsidiaries”. These include but are not limited to, AUTOPAY Direct, Inc. d/b/a AUTOPAY and RateGenius Loan Services, Inc. d/b/a RateGenius.

We operate a technology-driven loan and product matching system whereby consumers can apply to finance or refinance their vehicles and be considered by multiple lenders who may offer credit and options for ancillary products related to the loan or vehicle.  We also provide origination fulfillment services for approved loan offers, including, but not limited to, communication of the offer, documentation collection and preparation, and lien perfection.

In most cases, we are not the lender or affiliated with the lender. However, we may offer loans in certain states through a licensed subsidiary. We also provide claims administrations for specific loan products on a limited scale.