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Caribou

Denver, US · Founded 2016 · 309 employees on LinkedIn · 17 known investors

Find your way into Caribou

Caribou offers car loan refinancing services by connecting drivers with lenders and managing the refinancing process, including paperwork and administrative steps. The platform allows borrowers to compare pre-qualified offers from credit unions, community banks, and finance partners.

Also known as Caribou · gocaribou.com

Fintech

Investors · 17

AccompliceBoston · $5M – $25M
Curql Collective, LLCDes Moines
Flucas VenturesJupiter · $100K – $5Mvia Ashley Flucas · inferred
Harmonic Growth PartnersChevy Chase
Innovius CapitalSan Francisco
Link VenturesCambridge · $1M – $8M
Moderne VenturesChicago · $100K – $7M
Motley Fool VenturesAlexandria · $1M – $2M
Next Level VenturesDes Moines · $500K – $5M
QED InvestorsAlexandria · $30K – $25M
TruStage VenturesMadison · $1M – $5M
GaingelsreportedNew York · $200K – $500K
Goldman SachsreportedNew York

Also in the syndicate · 4

CMFG VenturesCurql FundFirebolt VenturesHarmonic

Funding

SEC filings, press & company announcements

$115M disclosed across 1 round · 2022

Source: company announcements and press reports — follow each round's link for the claim.

Company profile

researched Aug 2026

Caribou operates a consumer-facing auto loan refinancing service at gocaribou.com. Drivers submit information online to get pre-qualified and view refinance offers, which the company says can be produced in minutes through a fully online application process. Checking rates through Caribou does not affect the applicant's credit score.

The platform sources offers from a network of local and community lenders, presenting drivers with multiple options intended to reduce a monthly car payment, the total interest paid over the life of the loan, or both. Beyond refinancing, Caribou markets vehicle protection plans as part of a broader set of car-ownership products. Applications support co-borrowers, which the company positions as a way to widen the set of available offers.

Business model

Caribou intermediates between consumers seeking to refinance an existing auto loan and a network of lending partners, presenting competing refinance offers through its own online application flow. It also offers vehicle protection plans alongside refinancing.

Traction

The company states that more than 150,000 drivers have used its service and that customers save an average of $162 per month by refinancing through Caribou.

▸Full profile — market position, technology, go-to-market

Market position

Caribou emphasizes access to a panel of local and community lenders rather than a single lender, a rate check that does not impact the applicant's credit score, an online process that returns offers in minutes, and support for co-borrower applications.

Technology

A web-based application and pre-qualification flow that collects borrower information and returns refinance offers from partner lenders without a credit score impact at the rate-check stage.

Go-to-market

Direct-to-consumer online acquisition, with the website prompting visitors to check their rate; the site displays Trustpilot reviews and media placements as social proof.

U.S. vehicle owners with existing auto loans who want to reduce their monthly payment or total interest cost, including borrowers applying jointly with a co-borrower.

Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.

Key figures

latest reported
Average monthly savings per refinancing customerJan 2024$162
Customers servedJan 2024150,000 customers

Company-reported or press-reported figures, each dated to when it was claimed — not independently audited.

Founder mafia

2 people who came through Caribou went on to found or lead other companies.

Justin MooreInvestor & Board ObserverFounded AxcientRob ChaplinskyBoard Member, InvestorFounded Dryft

Competitors · 6

by search overlap
Chase834 shared keywordsA wealth management and investing service (J.P. Morgan Wealth Management via Chase) offering self-directed brokerage accounts with commission-free online trades as well as one-on-one advisor services, financial planning tools, and retirement accounts. It serves individual retail investors ranging from beginners to experienced investors in the United States.
Experian816 shared keywordsExperian offers consumers tools to access their credit report and FICO Score, build credit, and manage money, including credit card matching, bill and subscription negotiation, car insurance comparison, and a digital checking account with debit card. It serves individual U.S. consumers through its app and financial products.
Capital One747 shared keywordsCapital One is a financial services company that offers credit cards, checking and savings accounts, auto financing, and business banking products to consumers and small businesses. The company provides digital banking tools, rewards programs, and credit monitoring services.
Prior Finance738 shared keywordsPrior Finance operates a digital financial services platform offering personal loans, student loans, home loans, deposit accounts, credit cards, and investment tools through an integrated mobile application, serving both individual members and enterprise partners seeking lending solutions and technology infrastructure.
Credit Karma638 shared keywordsCredit Karma is an AI-powered personal finance platform that provides free credit scores, credit monitoring, cashflow insights, and financial marketplace services to help consumers understand and manage their finances. The platform serves over 140 million members with tools for credit analysis, tax filing, and financial opportunity identification.
ENSIS483 shared keywordsHelps more borrowers qualify for loans with fewer defaults.

Companies competing with Caribou for the same Google search keywords, organic and paid, via search-intersection analysis.

In the news

Caribou VFW receives credit union funding - The Countythecounty.me · Jul 2026Caribou approves $15M budget projected to raise taxes by 6%bangordailynews.com · Jun 2026Caribou Raises $115M in Series C Funding; Valued at $1.1 Billionfinsmes.com · May 2022Auto fintech Caribou raises $115 million in Series C funding, valuing company at $1.1 billionglobenewswire.com · May 2022$100 Million Saved, $115 Million Raised in Series C Funding - Cariboucaribou.com · May 2022

▸Research sources · 1

primary sources listed

1 public sources were cited for this profile; the first-party ones are listed here.

Frequently asked questions

What does Caribou do?
Caribou is an online auto refinancing marketplace that connects drivers with local and community lenders to lower car payments.
Who are Caribou's investors?
Caribou's investors include Accomplice, Curql Collective, LLC, Flucas Ventures, Harmonic Growth Partners, Innovius Capital, Link Ventures, Moderne Ventures, Motley Fool Ventures and 5 more.
How much funding has Caribou raised?
Caribou has disclosed $115M raised across 1 round.
Where is Caribou headquartered?
Caribou is headquartered in Denver, US.