Auto refinance FAQs
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When you apply to refinance with Gravity Lending, we’ll need a few pieces of information about you and your vehicle. This information helps us find the best terms you qualify for and helps us pair you with one of our lending partners. Please visit gravitylending.com/documentsneeded for further details.

It cost you nothing to refinance with Gravity Lending – we do not charge you any fees for our service. Your new auto loan will only include the loan amount, any fees associated with title transfer, any fee your state charges, and the cost of GAP – VSC – Depreciation Protection if you choose to obtain them.

Vehicle service contracts designed to help protect you from the cost of vehicle repairs beyond your original manufacturer’s warranty. These contracts help offset the costs of expensive repairs after your vehicle’s standard manufacturer’s warranty has expired.

So, if you plan on keeping your vehicle for a few years, a VSC can cover costs of repairs, including parts, labor, and taxes. Please find the full details on our website gravitylending.com/VSC.

Guaranteed Asset Protection (GAP) helps borrowers and lenders avoid financial loss by waiving all or a portion of the deficiency between a borrower’s payoff amount on their auto loan and the determining actual cash value of a vehicle in the event that a vehicle is totaled or stolen, subject to a loan-to-value maximum. 

Having GAP included in your loan can protect your investment. The cost is very affordable and can protect you against a potential financial burden, and safeguard your hard-earned credit.

Without GAP protection, you may have to pay for your vehicle after it’s gone. Unfortunately, millions of vehicles are totaled each year by collision, theft, and natural disasters. Many customers are surprised to learn that their auto insurance settlement is thousands of dollars less than what they still owe on their auto loan or lease. Please find the full details on our website gravitylending.com/GAP.

Pre-qualifying will not impact your credit score. Gravity Lending uses “Soft pulls” – we get your credit information, but it doesn’t affect your credit score, and it doesn’t appear as an inquiry on your bureau. Once you grant permissible purpose to Gravity Lending after we have evaluated your application and discussed the proposed terms of the loan with you, the lender will conduct the “hard pull” of your credit.

If you are shopping around for a refinance auto loan, be careful because if there are too many “hard pulls,” it may affect your credit score. Not every refinance company conducts a “soft pull,” as Gravity Lending does.

Gravity Lending offers 25-84 month terms. Loan terms vary depending on your credit situation, your vehicle, and other factors. We work with a vast array of lenders, so we can pass on multiple options for you to evaluate. Let our experienced loan officer know what your priorities are, and we will identify the best opportunities for which you qualify.

Gravity Lending is an online marketplace that connects you with a vast network of lenders that offer the best rate and terms based on your credit profile. Unlike our competitors, we have no hidden fees; we do not charge our customers for our service and never mark-up rates. Our application process is fast, easy, and secure, plus funding happens reasonably quickly. Essentially, you can refinance your auto loan in a matter of minutes without leaving your couch.

If you’re looking to refinance your auto loan from the comfort of your home, Gravity Lending is your best option. With a knowledgeable and experienced team, we guide our customers through the refinancing process from start to finish. We pride ourselves in customer-focused service and teaching our customers the benefits of refinancing to free up extra cash flow. 

Check out our reviews to see what our customers are saying. We are confident you will be happy with our process, our people, and our options. The fact that we have high ratings from our customers who have already worked with us is another excellent reason. We consistently have highly-rated reviews on Google, Lending Tree, Yelp, and Facebook.

Gravity Lending specializes in refinancing cars, trucks, and SUVs. We also provide refinancing services for the following vehicles with a minimum loan balance of $10,000.

If you have any questions, please feel free to contact our Gravity Lending team. We are standing by to assist you. Call 888-888-8888 or email us at loans@gravitylending.com

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