CarBanks Privacy Policy and Disclosures

CarBanks services are available in Wisconsin. Residents of certain other states cannot obtain CarBanks’ system to lower car payments. Interest rates vary by lender in our network.

If you are shopping for a lower car note payment and to submit a request on for a lower car loan, there is no cost to you. CarBanks matches you with those entities that refinance or restructure your car loan for a maximum 60 month period. You may review the loan offers, restructuring offers or quotes, and talk to the lenders at no cost.

Autos may be any age and payments and rates can vary depending upon the credit worthiness of the purchaser. Time periods for repayment are generally 60 months, but may be shorter. Borrowers may obtain rates based upon their willingness to promptly pay bills in the future.

For Wisconsin residents: No provision of a marital property agreement, a unilateral statement under Wis. Rev. Stat. § 766.59 or a court decree under Wis. Rev. Stat. § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

CarBanks, Inc. does not make any lending or restructuring decisions. CarBanks, Inc. is not a lender. It is a referral network for banks, finance companies and professionals to make offers to you at no cost to you, for the purpose of reducing your monthly car note payment. CarBanks does not transmit credit reports to any other company. You may be contacted by a CarBanks representative for the sole purpose of determining which institutions will make you an offer to lower your car payment.

Please note that if you fill out a form on and hit the “submit” button you are consenting and agreeing for the lenders and institutions with whom you are matched to receive the information you have provided and contact you for the purpose of reducing your monthly car loan payment. The professionals you choose, which are referred by CarBanks at your request, will provide you with formal credit score and/or credit report disclosures, when necessary. For information on legal notices, please go to at FTC.GOV. CarBanks does not pull credit reports without your express permission. You have the right to a free annual credit report from or 877-322-8228.

CarBanks, Inc., is a Wisconsin corporation and is an internet lead generator. CarBanks, Inc. is not paid as part of your loan refinancing or restructuring, but solely as a generator of advertising or marketing regardless of whether you choose to use a lender or other participant.

CarBanks, Inc. only shares your information with lenders and professionals who are affiliated with CarBanks and not with the public at large or non-affiliated parties.

Rates may be based upon your willingness to make payments on all financial obligations going forward.

Depending on your credit information, you may need the help of an attorney or a debt relief agency to clear up or reduce other credit issues before your car payment can be lowered. Any attorney in our network may also be a federal debt relief agency. Federal debt relief agencies handle debt adjustment plans and help people file bankruptcy under the U.S. bankruptcy code.

CarBanks, Inc.
225 East St. Paul Avenue
Milwaukee, WI 53202