Gravity Lending Auto Refinance

Compare auto refinance rates from 30+ lending partners through a single application. Gravity Lending handles the entire process from application to lien transfer.

Vehicle must be 12 model years old or newer with fewer than 150,000 miles. Minimum loan balance of $5,000. Available in most U.S. states.

Rates vary by lending partner and borrower profile. Terms from 24 to 84 months. No application, origination, or prepayment fees. Gravity is compensated by lending partners.

Borrowers who want to compare multiple refinance offers with a single soft credit pull.

Gravity Lending is not a lender. Loans are originated by lending partners subject to their own licensing and regulatory requirements. NMLS ID: 1875432.

The Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against applicants based on their income when extending credit. This includes income from public assistance programs, part-time employment, annuities, pensions, and other retirement benefits. Creditors must consider all income in the underwriting process, but they can also consider the amount and likelihood of income continuing when evaluating an applicant's creditworthiness.

• Rate listed is stated as APR: APR is the Annual Percentage Rate. The APR you qualify for may differ based on a number of factors including your credit profile, the year model of the vehicle, your debt ratio, the loan length, and the loan to vehicle value ratio.

• *Advertised 3.89% APR based on state availability and qualifying credit criteria on a representative example of refinancing with a FICO score of 740 or higher for 36 months.

• **Monthly Savings: Average monthly payment savings shown was calculated from all funded loans between August 1, 2023, to August 31, 2023. Payment is a calculation of the approved interest rate, selected term, and amount financed. Your actual savings may differ, more or less, and you can typically customize many aspects of your loan to find the savings you seek.

• **Save 18% on your car payment is an average monthly percentage savings calculated from all funded applications between August 1, 2023 to August 31, 2023, where our clients paid less monthly over the life of the loan. Your car payment savings can be more or less depending on a combination of the rate approved, the term selected, and the total amount financed.

Gravity Lending Terms and Conditions

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