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RefiJet vs. Caribou Financial 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
Offers For Low Credit Score
Good For
Specialized Platform For Auto Refinance
APR

5.29-22.00%

APR

5.99-28.55%

Repayment terms
24-96 months
Repayment terms
24-80 months
Min Credit Score
580
Min Credit Score
620
Loan Amount

$5K-$100K

Loan Amount

$10K-$125K

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

Min 5.29%

Refinance APR

Min 5.99%

Soft Credit Pull
Yes
Soft Credit Pull
Yes
Pros
  • Prequalification with soft credit check available
  • Low minimum credit score
  • Can buy out your lease
  • Some lenders offer automatic payment discounts
  • Cash-out refinances available
Pros
  • Low APR starting at 5.99%
  • Minimum income criteria of $24,000
  • Add-on services to preserve vehicle value
Cons
  • cons Lack of full online application
  • cons Vehicles older than 10 years not eligible
  • cons $395 origination fee
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
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