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Auto refinance, 2026
What the CFPB says to look at, and how the services we list check your credit.
CFPB and Caribou, read Oct 2, 2026. See source
The CFPB says to compare the amount of the loan, the APR and interest rate, the length of the loan and the monthly payment. A longer term lowers the payment but raises what you pay in total: in its example, stretching a $20,000 loan from three years to six raises total interest from $1,498 to $3,0241.
Before refinancing, check your current contract for a prepayment penalty clause and whether your state prohibits it, and read the Truth in Lending disclosures of the new loan before signing2.
| Service | What it is | Credit check |
|---|---|---|
| Caribou3 | Refinance offers from its network of lenders | Soft pull to see rates and terms; hard pull if you continue an application |
| Auto Credit Express4 | Matches a loan request with a local dealer or lender, since 1999 | Does not check credit itself; the matched dealer or lender may do a hard pull |
As each company describes it, read October 2, 2026. RideRight Guide does not quote rates.
How these links work: each button opens the partner's own site. We are not paid for these links today; we may earn a referral fee in the future.
Good for being matched with a local dealer or lender
Also on Auto Credit Express's site
Good for seeing refinance offers before any hard credit check
Also on Caribou's site
Caribou says checking rates uses a soft pull that does not affect your score, and that continuing an application leads to a hard pull that may3. Ask any lender which kind of check it runs before you apply.
It says it does not check credit itself; the dealer or lender you are matched with may do a hard pull4.
We do not earn anything from your quotes or sign-ups today. Every partner link is a plain link to the partner's own site, without a referral code. We may join partners' referral programs in the future, and this notice will say so before that changes.
RideRight Guide is not a lender, broker, insurer, carrier or driving school, and nothing here is financial or legal advice. We do not collect your details or pass them to anyone.
Prices and rules are what the named source published on the date we read it. The provider's own page and contract, and your state's DMV or court, are the final word.
