Welcome to the Gravity Lending Resources page. This is where we share some of the most important tips, news and other items we come across in auto refinancing and other loan opportunities.
Auto refinance volume steadily rose in the fourth quarter amid rising vehicle values and three Federal Reserve interest rate cuts in the second half of the year. Austin, Texas-based auto refinance company Gravity Lending’s originations rose 78% year over year in 2025 and saw application volume jump 35% YoY due to rate cuts and increased […]
For many drivers, auto loans are a major monthly expense. While refinancing is a great way to reduce costs, some people worry that lowering payments means dragging out the length of their loan. The good news? With the right strategy, you can refinance your auto loan to lower your monthly payments without extending your term. […]
Refinancing your auto loan can be a smart financial move. It can lower your interest rate, reduce your monthly payments, or shorten your loan term. But what happens if the unexpected occurs and your car is totaled after refinancing? Many drivers don’t realize how this situation can affect their refinance loan and why GAP coverage […]
When you drive a new car off the lot, its value immediately begins to drop. This process is called vehicle depreciation, and it’s one of the most significant hidden costs of car ownership. In fact, many vehicles lose up to 20% of their value in the first year alone. For drivers who finance or refinance […]
Owning your car outright is a financial milestone that many drivers look forward to. But if you’re stuck with a high-interest loan, it can feel like you’ll be making payments forever. Fortunately, auto loan refinancing offers a smart way to reduce costs, free up cash flow, and even pay off your car faster. With the […]
Adding a co-signer to an auto loan can help you qualify for better interest rates or loan approval, but there may come a time when you want to remove them. Understanding how to remove a co-signer from an auto loan ensures that both you and your co-signer are protected and that the process is handled […]
Refinancing your car loan can help you secure a lower interest rate, reduce monthly payments, or adjust your loan term. However, knowing which documents are needed to refinance a car is essential to make the process smooth and stress-free. At Gravity Lending, we’ve created a complete checklist to guide you through your auto loan refinance […]
Owning a car comes with more costs than just the monthly payment. Between maintenance, auto insurance, and unexpected accidents, your vehicle can quickly become a financial liability, especially if you’re not properly protected. When refinancing your auto loan, it’s not just about securing a lower rate or monthly payment. It’s also the perfect opportunity to […]
Car ownership isn’t just about making your monthly payment and keeping your gas tank full. As vehicles age, unexpected expenses, like mechanical issues, can quickly drain your wallet and peace of mind. If you’re considering an auto refinance, it’s also the perfect time to think about auto loan add-ons that protect both your finances and […]
Rising inflation and global supply chain issues are squeezing household budgets – and US auto tariffs are adding another layer of financial pressure. Whether it’s car import tariffs or auto parts tariffs, these government-imposed fees are influencing vehicle prices and values, directly impacting your ability to refinance an auto loan. If you’re looking to lower […]