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Applying to refinance your auto loan with Gravity Lending takes just a few minutes, and with our nationwide lender network, we can pre-qualify you without affecting your credit. This will allow you to easily and confidently make the right decision on your new car loan. We evaluate your specific needs, credit situation, and vehicle value. Then a dedicated loan officer will provide you with all your customized options.

Start Applying Now!!!

1. Evaluate Your Credit

Allow Gravity Lending to conduct a soft inquiry on your credit, which does not affect your credit score. By doing a soft-pull we are able to determine the probability of getting your loan approved prior to proceeding with the process. Know before you commit, it only takes minutes.

2. Apply for Your Auto Refinancing with Gravity Lending

  • Our process is quick, secure and easy.
  • Our expert team of loan officers will take the time to understand your unique financial situation and goals.
  • Gravity Lending has a nationwide lender network to ensure we find the best customizable loan options available to you.
  • Conveniently sign and upload documents across all mobile devices electronically – E-signature, E-forms, and Real-time photo ID Verification.
  • Unlike the other refinance companies out there, Gravity Lending offers our services to you free of charge, with no fees.

Don’t Wait, Apply Now!!!

3. Review Your New Loan Terms

Once your dedicated loan officer has reviewed your application, they will contact you to discuss your options.

A few things to consider regarding your term options:

  • Shorten the term – if you’re already accustomed to the current payment, you may be able to keep the same payment and shorten the remaining term of your loan. You will pay less interest this way, saving money over the life of your loan.
  • Stretch out the term – If your monthly budget could use a break, you can always lengthen your loan term to decrease the amount of your payment each month.

Apply in 90 seconds!!!

4. Required Documentation to Refinance Your Auto Loan

Valid Driver’s License

In order to secure your new loan, all lenders will require a copy of your valid driver’s license. In the event you do not have one, please discuss with your loan officer.

Proof of Auto Insurance

Proof of full coverage insurance is required on all loans. You may either provide your insurance ID card or the declarations page from your insurance company. If you don’t have either of these, let your loan officer know the contact information for your insurance company. Many times we’re able to call them and collect proof of insurance!

Proof of Residence

Proof of residency may be requested if there is a discrepancy in the credit report or the address on your driver’s license does not match. Below are some of the documents you can use to prove your physical address.

Proof of Employment & Income

Lenders may require verification of income. If proof of income is requested, lenders are typically looking at two factors – The amount you have earned and the sources of the income.

Start Now!!!

5. Finish the Loan Application Process

Conveniently sign your loan documents electronically and upload any stipulations straight from your phone. Gravity Lending will take care of getting everything over to your new lender for funding and you can start enjoying your new loan!

To get started simply Apply Here or feel free to contact us at 888-602-1125 or loans@gravitylending.com.


Don’t Wait for Higher Rates to Keep You Down!!!

The Fed has been raising rates, but we are still saving thousands of dollars for customers.

Take advantage of our vast lender network for custom loan terms and the best available rates!

  • Fast and Secure
  • No Fees from Gravity Lending
  • Rates as Low as 3.24%
  • Up to 90 Days Until Next Payment

Start Now!!!

Original Loan – $32,000


APR 12.90%

Monthly Payment – $726.46

New Refinanced Loan -$32,000


APR – 6.90%

Monthly Payment – $632.13


Common Savings Comparison*

Start Your Application Below

Why Would You Refinance?
Lower My Payment and Interest
Add or Remove Someone on My Loan
Just Curious How Much I'll Save
The minimum loan balance will need to be at least $10,000 to be pre-qualified for an auto refinance loan.
Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

You Are Almost There! Last Step!


OPTIONAL: For a Faster Response, Enter Your Social Security Number

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By clicking on the “Submit” button below, you acknowledge and agree to the following:

  • Gravity Lending’s Privacy Policy and Terms of Use.
  • You authorize an investigation of your credit history, employment history, and the release of information about your credit experiences.
  • You understand and agree that you are providing written consent to Gravity Lending and/or our trusted partners, under the Fair Credit Reporting Act (FCRA) to access information from your personal credit profile or other information from one or more consumer reporting agencies such as Equifax, Transunion and Experian. You authorize Gravity Lending to obtain such information solely to conduct a pre-qualification for credit.
  • You agree to receive notices, phone calls, and any other communications at the email or telephone number(s) you provided on your application with Gravity Lending (including mobile device, MMS, SMS, etc) from Gravity Lending and its affiliates or partners. You understand that you can withdraw your consent at any time by notifying Gravity Lending in an email, standard mail, or by talking to a customer service representative.
  • You grant permission to Gravity Lending to obtain your credit information and certify that the information you have provided is accurate.

Al hacer clic en el botón "Enviar", usted reconoce y acepta lo siguiente:

  • Política de privacidad y términos de uso de Gravity Lending.
  • Usted autoriza una investigación de su historial crediticio, historial laboral y la divulgación de información sobre sus experiencias crediticias.
  • Usted comprende y acepta que está dando su consentimiento por escrito a Gravity Lending y/o a nuestros socios de confianza, en virtud de la Ley de informes crediticios justos (FCRA, por sus siglas en inglés) para acceder a la información de su perfil crediticio personal u otra información de una o más agencias de informes crediticios, como Equifax. , Transunion y Experian. Usted autoriza a Gravity Lending a obtener dicha información únicamente para realizar una precalificación para el crédito.
  • Acepta recibir avisos, llamadas telefónicas y cualquier otra comunicación en el correo electrónico o número de teléfono que proporcionó en su solicitud con Gravity Lending (incluidos dispositivos móviles, MMS, SMS, etc.) de Gravity Lending y sus afiliados o socios. Usted comprende que puede retirar su consentimiento en cualquier momento notificando a Gravity Lending por correo electrónico, correo postal o hablando con un representante de servicio al cliente.
  • Usted otorga permiso a Gravity Lending para obtener su información crediticia y certificar que la información que ha proporcionado es precisa.

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We are currently grabbing the best rates from lenders.
Please call us at 1-888-602-1125 if you'd like to speak to an operator.
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