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*This information is estimated based on consumers who had an existing auto loan on their credit report, and selected a loan offer to reduce their monthly payment. These borrowers saved an average of $280 per month, with annualized savings of $3,360 per year. 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 see the refinance rates and terms you qualify for, we perform a soft credit check that does not affect your credit score. If you decide to select 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. This is a hard credit pull and may impact your credit score.
++Social security number is required should you choose to move forward in the loan application process.
^Subject to lender approval, approved borrowers can select a first payment date between 45 and 90 days after the loan closing. The loan term determines the total number of payments, and choosing a later first payment date does not delay or forgive any scheduled payments. Interest begins accruing on the loan closing date.
^^ Optional Products Optional products, such as vehicle service contracts, may be available to help protect the value of your car. These products are completely optional and are not required to refinance your loan.
^^^ Any potential refunds from a third party are subject to that party's policies. You are responsible for following their procedures to determine eligibility and obtain any refund. Caribou cannot control or guarantee the outcome of third-party refund requests and is not responsible for third-party decisions regarding refunds.
Terms and conditions apply. Caribou reserves the right to modify or discontinue products, benefits, rates, and participating lenders at any time without notice. The information you provide is used to determine if our California-based lenders can make you a loan offer. Not all borrowers will receive the lowest rates, which are reserved for the most qualified applicants.
We do not guarantee that you will receive a loan offer or that your application will be approved. If approved, your actual rate will depend on factors including loan term, financial history, income, and other criteria. Currently, offers are only available to borrowers in California.
Embrace Auto works to find its customers the best terms and APR, which are based on factors like credit history, vehicle, and desired payment terms. Loan amounts, costs, and fees vary by state and lender; they generally include admin fees, doc fees, DMV, and title fees, depending on the lender and period of repayment. There is no fee to obtain a quote and all refinancing-related costs are included in the amount financed so there are no out-of-pocket costs! For more information, please go to EmbraceAuto.com.