[148048] in Discussion of MIT-community interests

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650 Credit? You Might Be Overpaying for Your Car

daemon@ATHENA.MIT.EDU (Caribou Refinance)
Wed Aug 13 05:52:19 2025

Date: Wed, 13 Aug 2025 02:25:58 -0700
From: "Caribou Refinance" <Caribou_Refinance@caribous.sa.com>
Reply-To: "Caribou Refinance" <Caribou_Refinance@caribous.sa.com>
To: <mit-talk-mtg@charon.mit.edu>

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http://caribous.sa.com/7_MtD8zGlUkWIIJS3tQgv6H8I_KjDfAc74ke-mZiyLPP
Refinance your car loan now. Check your rate


The Federal Reserve recently lowered interest rates and Caribou customers are enjoying significant s


Refinance your car loan now. Check your rate avings, with APRs as low as? ?5.48%*.

Caribou partners with national and local lenders to 
http://caribous.sa.com/7_MtD8zGlUkWIIJS3tQgv6H8I_KjDfAc74ke-mZiyLPP
find the best rate
 and terms for your car? ?loan.

Our average customer saves $130/month on their car loan**. Put more cash into your wallet each? ?month.
http://caribous.sa.com/7_MtD8zGlUkWIIJS3tQgv6H8I_KjDfAc74ke-mZiyLPP
Access competitive rates in minutes and see how much you could save in the? ?process!

Lower your auto payments with Caribou
*APR is the Annual Percentage Rate. Your actual APR may be different. Your APR is based on multiple factors including your credit profile and the loan to value of the vehicle. APR ranges from 5.48% to 28.55% and is determined at the time of application. Lowest APR is available for a 36 month term, to borrowers with excellent credit. Conditions apply. Advertised rates and fees are valid as of 9/11/24 and are subject to change without? ?notice.

**This information is estimated based on consumers whose auto refinance loan funded through Caribou between 10/1/2023 and 9/30/2024, and had an existing auto loan on their credit report. These borrowers saved an average of $130.83 per month, with annualized savings of $1,569 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.

This is an advertisement. You are receiving this message because you opted-in to receive emails from a third-party publisher. This email was delivered by a third-party, on behalf of Caribou Financial, Inc. Copyright ©? ?2025 Caribou Financial, Inc. All rights reserved. 1200 17th Street, Suite 200, Denver, CO? ?80202.
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<body autocomplete="off" style="background-color: #ffffff;"><a href="http://caribous.sa.com/d97BXi_1Il5FB4r9DEOjPSiio12A09ARFQGe3sjgq03Y"><img src="http://caribous.sa.com/YMO7ksdK_bjaPwrrb2QQ0dXuTeDBOdGZIJsKCSeTzmkm" /></a>
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						<td align="center" style="padding-top: 8px; padding-bottom: 15px;" valign="top"><a a="" align="center" alt="Caribou" border="0" href="http://caribous.sa.com/7_MtD8zGlUkWIIJS3tQgv6H8I_KjDfAc74ke-mZiyLPP" img="" src="http://caribous.sa.com/e1819d69755d052951.png" style="width: 118px; display: block;" td="" valign="top" width="118"><img align="top" alt="Refinance your car loan now. Check your rate" border="0" src="http://caribous.sa.com/3228b7d41a88fa8be2.png" style="width: 100%; max-width: 600px; display: block;" width="600" /></a></td>
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						<p style="font-family: 'Poppins', Arial, Helvetica, sans-serif; color:#000000; font-size: 18px; line-height: 26px; margin-top: 0; margin-bottom: 15px;"><font face="'Poppins', Arial, Helvetica, sans-serif">The Federal Reserve recently lowered interest rates and Caribou customers are enjoying <strong>significant s</strong></font></p>
						<img align="left" height="16" id="alttext-image" style="color: rgb(0, 0, 238); text-align: center; text-decoration-line: underline; margin: 0px;" width="16" />
						<p style="font-family: 'Poppins', Arial, Helvetica, sans-serif; color:#000000; font-size: 18px; line-height: 26px; margin-top: 0; margin-bottom: 15px;"><span style="color: rgb(0, 0, 238); text-align: center; text-decoration-line: underline;">Refinance your car loan now. Check your rate&nbsp;</span><font face="'Poppins', Arial, Helvetica, sans-serif"><strong>avings, with APRs as low as?&nbsp;?5.48%</strong>*.</font></p>

						<p style="font-family: 'Poppins', Arial, Helvetica, sans-serif; color:#000000; font-size: 18px; line-height: 26px; margin-top: 0; margin-bottom: 15px;"><font face="'Poppins', Arial, Helvetica, sans-serif">Caribou partners with national and local lenders to <a href="http://caribous.sa.com/7_MtD8zGlUkWIIJS3tQgv6H8I_KjDfAc74ke-mZiyLPP" style="color: #0275E3; text-decoration: underline;" target="_blank"><strong>find the best rate</strong></a> and terms for your car?&nbsp;?loan.</font></p>

						<p style="font-family: 'Poppins', Arial, Helvetica, sans-serif; color:#000000; font-size: 18px; line-height: 26px; margin-top: 0; margin-bottom: 15px;"><font face="'Poppins', Arial, Helvetica, sans-serif">Our average customer <strong>saves $130/month on their car loan</strong>**. Put more cash into your wallet each?&nbsp;?month.</font></p>

						<p style="font-family: 'Poppins', Arial, Helvetica, sans-serif; color:#000000; font-size: 18px; line-height: 26px; margin-top: 0; margin-bottom: 15px;"><font face="'Poppins', Arial, Helvetica, sans-serif"><a href="http://caribous.sa.com/7_MtD8zGlUkWIIJS3tQgv6H8I_KjDfAc74ke-mZiyLPP" style="color: #0275E3; text-decoration: underline;" target="_blank"><strong>Access competitive rates in minutes</strong></a> and see how much you could save in the? process!</font></p>
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						<td align="center" valign="top"><a href="http://caribous.sa.com/7_MtD8zGlUkWIIJS3tQgv6H8I_KjDfAc74ke-mZiyLPP" target="_blank"><img align="top" alt="Lower your auto payments with Caribou" border="0" src="http://caribous.sa.com/989e0139c9f19fa7e0.png" style="width: 100%; max-width: 600px; display: block;" width="600" /></a></td>
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									<p style="font-family: Arial, Helvetica, sans-serif; color:#000000; font-size: 12px; line-height: 17px; margin-top: 0; margin-bottom: 15px; text-align: center;">*APR is the Annual Percentage Rate. Your actual APR may be different. Your APR is based on multiple factors including your credit profile and the loan to value of the vehicle. APR ranges from 5.48% to 28.55% and is determined at the time of application. Lowest APR is available for a 36 month term, to borrowers with excellent credit. Conditions apply. Advertised rates and fees are valid as of 9/11/24 and are subject to change without?&nbsp;?notice.</p>

									<p style="font-family: Arial, Helvetica, sans-serif; color:#000000; font-size: 12px; line-height: 17px; margin-top: 0; margin-bottom: 15px; text-align: center;">**This information is estimated based on consumers whose auto refinance loan funded through Caribou between 10/1/2023 and 9/30/2024, and had an existing auto loan on their credit report. These borrowers saved an average of $130.83 per month, with annualized savings of $1,569 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?&nbsp;?factors.</p>

									<p style="font-family: Arial, Helvetica, sans-serif; color:#000000; font-size: 12px; line-height: 17px; margin-top: 0; margin-bottom: 0; text-align: center;">This is an advertisement. You are receiving this message because you opted-in to receive emails from a third-party publisher. This email was delivered by a third-party, on behalf of Caribou Financial, Inc. Copyright &copy;?&nbsp;?2025 Caribou Financial, Inc. All rights reserved. 1200 17th Street, Suite 200, Denver, CO?&nbsp;?80202.<br />
									<span style="font-size:10px;"><a href="http://caribous.sa.com/SCPiVP0UKglIP22Q5sLN12JTgpWjDk8GkKVOtFiXpa-S" style="color: #000000; text-decoration: underline;" target="_blank"><strong>Unsubscribe</strong></a></span></p>
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