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Esusu’s primary mission is to help you build your financial identity by reporting on-time rent payments, but the work does not stop there. Esusu is continually looking for new ways to help renters save money and stay protected.
That is why Esusu has expanded its resident services through a collaboration with Caribou, an auto fintech platform that helps drivers refinance their car loans and potentially lower their monthly payments. Recent Caribou customers have saved an average of about $162 per month* on car payments. Through this collaboration, eligible Esusu renters can check prequalified loan offers and compare multiple lender options that fit their goals.
This partnership is one of the growing set of services available through the Esusu Renters Marketplace.
How Refinancing Your Car Loan Can Help You Save
Refinancing an auto loan can:
- Reduce your interest rate;
- Lower your monthly payment;
- Potentially save you thousands of dollars in total interest and fees over the life of the loan.
A recent RateGenius State of Auto Refinance report found that Americans saved up to $989.72 per year on average by refinancing their auto loans.
If you have already worked hard to build a stronger financial profile, refinancing can be a way to turn that progress into real monthly savings.
Caribou Offers Simple and Fast Auto Refinancing
Through Esusu’s collaboration with Caribou, renters can access many of the same benefits Caribou customers enjoy, including:
- Prequalification: Check prequalified refinance offers without impacting your credit score* and without providing a Social Security number to see initial offers;
- Competitive APRs: Access a wide range of refinance offers, with APRs currently ranging from 4.49% to 28.55% ** (based on credit profile, loan-to-value, term, and other factors);
- Trusted platform: Caribou has served more than 100,000 drivers and holds an A+ rating from the Better Business Bureau;
- Fast application: A streamlined online application experience and a dedicated customer support team and loan officers;
- Competitive rates: Access to a network of trusted lenders, including credit unions, that can often offer better rates than typical dealership financing.
Learn more and get started at caribou.com/esusu.
The Future of Esusu’s Renter-Facing Services
Esusu is excited to partner with Caribou to offer renters access to auto refinance options as part of a broader renter financial health toolkit. This offering complements Esusu’s core services, including rent reporting, rent relief, and curated resources in the Esusu Renters Marketplace.
Esusu remains committed to making financial stability more accessible and affordable for renters. To stay updated on new renter-facing services and product updates, follow Esusu on:
You can also visit caribou.com/esusu to explore Caribou offerings available for Esusu renters.
* This information is estimated based on consumers whose auto refinance loan funded through Caribou between 1/1/2026 and 3/31/2026, 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 $162 per month, with annualized savings of $1,944 per year. Refinance savings may result from a lower interest rate, a 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 check the refinance rates and terms you qualify for, Caribou conducts a soft credit pull that will not affect your credit score. However, if you choose a loan product and continue your application, Caribou or one of its lending partners will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. A Social Security number is required if you choose to move forward in the loan application process.
** APR (Annual Percentage Rate) is based on multiple factors including your credit profile and the loan-to-value of the vehicle. APRs currently range from 4.49% to 28.55% and are determined at the time of application. The lowest APR is available for a 36-month term to borrowers with excellent credit. Conditions apply. Advertised rates and fees are valid as of 2/3/2026 and are subject to change without notice. Insurance savings, if any, are separate and are not the result of a lower APR.