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Caribou Financial vs. AUTOPAY Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Car Loans

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Car Loans

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Good For
Specialized Platform For Auto Refinance
Good For
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APR

5.99-28.55%

APR

4.67-23.80%

Repayment terms
24-80 months
Repayment terms
48-60 months
Min Credit Score
620
Min Credit Score
560
Loan Amount

$10K-$125K

Loan Amount

$3K-$100K

Lender Type
  • Marketplace
Lender Type
  • Marketplace
Prepayment Fee
None
Prepayment Fee
None
Refinance APR

Min 5.99%

Refinance APR

Min 4.67%

Soft Credit Pull
Yes
Soft Credit Pull
Yes
Pros
  • Low APR starting at 5.99%
  • Minimum income criteria of $24,000
  • Add-on services to preserve vehicle value
Pros
  • Many lenders and options are available
  • A wide range of loan amounts
  • Low initial interest rate
  • Offers pre-qualification with a soft credit check
Cons
  • cons Customer support can be slow during peak hours
  • cons No new car loans or motorcycle refinance
  • cons Flat $399 fee for all Refi loans
Cons
  • cons An initial deposit may be required
  • cons It takes 24-48 hours for a loan to be approved, which is longer than other lenders
  • cons It may take 1-2 weeks for a loan to be funded, which is longer than other lenders
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