# Caribou

Caribou is an Asset Manager based in United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** United States
- **Region:** North America
- **Assets under management:** Undisclosed
- **Website:** www.caribou.com
- **LinkedIn:** https://www.linkedin.com/company/gocaribou

## Regulatory record

- **Reports private funds:** No

## About

Caribou is a company that helps drivers refinance their car loans to lower their monthly payments. They offer a fully online process and support co-borrowers. Caribou also provides optional add-on coverage, including Key Replacement, to help with eligible key-related costs.

## Sectors

- FinTech
- InsurTech

## Questions

### How does Caribou make money on an auto refinance?

Caribou operates as a marketplace broker rather than a lender. It does not hold the refinanced loans on its balance sheet. Instead, it earns a fee or a spread from its partner network of local and community lenders when a borrower closes a new loan through the platform. Additionally, the firm generates recurring fee income by marketing optional add-on products like its Key Replacement protection plan at the point of refinance.

### Who runs Caribou and where is the firm headquartered?

Caribou does not publicly disclose its corporate leadership, founding story, or a physical headquarters address on its consumer-facing website. The contact page lists only an email address and customer support operating hours in the Eastern Time zone. With no LinkedIn profile or structured team page identified, the management team and venture capital backing remain publicly opaque.

### What kind of loans or vehicles does Caribou explicitly exclude?

Caribou’s website specifically carves out three categories from its refinancing marketplace: motorcycles, commercial vehicles, and lease buyouts. The platform currently only facilitates refinancing for personal-use passenger cars, trucks, and SUVs. The vehicle must also meet the underwriting criteria of the partner lender to which Caribou routes the application.

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Last updated: 2026-07-10T21:16:56.000Z

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