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News, Tips and Resources

Refinancing Information for Real World Situations

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.

Saving Money and Stress: GAP Insurance and Depreciation Insurance

Man with head in hands in front of wrecked car.

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 […]

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Saving Money and Stress: Vehicle Service Contracts and Protection Plans

Mechanic working on rear shock.

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 […]

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How U.S. Auto Tariffs Are Impacting Car Prices—and Your Loan Payments

Picture: Hands covering car.

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 […]

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Saving Money and Stress with Auto Loan Add-Ons

Mechanic working on rear shock.

When refinancing your car loan, most people focus on interest rates and monthly payments—but what about protecting your investment? Refinancing can help reduce your monthly burden, but it also opens an opportunity to add auto loan protection that shields you financially when unexpected things happen. At Gravity Lending, we offer auto finance protection options like […]

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Debunking Common Credit Score Myths: What Really Affects It

Credit Score on a Phone

When it comes to finances, few topics are as misunderstood as credit scores. From applying for loans to qualifying for a good interest rate, knowing what affects your credit score can make all the difference in your finances. Many people unknowingly hurt their chances of getting approved for auto loans because of misinformation. By understanding […]

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Benefits of Refinancing Auto Loans – Part One: Boosting Your Credit Score

Document signing on a desk.

If you’re looking to ease your financial burdens or improve your credit score, have you considered auto loan refinancing? This can help lower your monthly payments, secure a better interest rate, and improve your overall financial situation. Refinancing can also offer some unexpected benefits for your credit score. The Benefits of Auto Refinancing Credit utilization […]

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What They Didn’t Teach You in School: Part Four – Sticking to Your Plan

Man and woman celebrating on a couch looking at a laptop.

When it comes to personal finance, the best-laid plans can often go awry—especially when there’s a lack of financial strategy or savings discipline. It’s all too easy to start drifting outside of your budget and eventually abandoning your financial planning efforts altogether. The good news? This can easily be prevented by creating an annual financial […]

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What They Didn’t Teach You in School: Part Three – Credit Scores

Tablet with credit score graph on it.

Now that you’ve committed to getting serious about personal finance, there’s another aspect of financial literacy you’ll want to make sure you understand—your credit score. After all, your credit score impacts your ability to obtain loans or credit cards at the lowest possible rate. Your credit score plays a key role in determining the interest […]

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