Last Updated: 03/18/2026
Gravity Lending Auto Refinancing
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in Auto Loan Refinancing from Gravity Lending
Last Updated: 03/18/2026
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Highlights
Amount Range
$10,000 - $200,000
APR (Fixed APR)
Starting at 9.99%(Verified 09/22/2025)
Disclaimer popup with additional information
Credit Score Range
540 - 639
Loan Term (Months)
Up to 96
Gravity Lending Auto Refinancing Review
Gravity Lending Auto Refinancing is an auto loan refinance offering by Gravity Lending, based in Austin, TX. Founded in 2015, Gravity Lending offers auto refinance loans in 30 states across the USA.
Key Takeaways
- Vehicle types. Gravity Lending only refinances cars and trucks.
- Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 540 are considered for Gravity Lending Auto Refinancing.
- Refinancing for large loan amounts. You can refinance auto loans of up to $200,000 with Gravity Lending Auto Refinancing.
- No origination fee. Gravity Lending Auto Refinancing does not charge an origination fee for processing your loan application.
- No late fees. Missing a payment can seriously damage your credit, but Gravity Lending Auto Refinancing will not charge additional fees if you miss the due date on a payment.
- Long loan terms. Gravity Lending Auto Refinancing offers loan terms of up to 96 months. Most auto refinancing loans have a maximum term of 60 months.
Gravity Lending Auto Refinancing Pros & Cons
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Gravity Lending Auto Refinancing FAQ
How much can you borrow via Gravity Lending Auto Refinancing?
Auto refinance loan amounts start at $10,000 and go up to $200,000.
What are the auto loan refinancing rates offered through Gravity Lending Auto Refinancing?
Gravity Lending Auto Refinancing offers a fixed APR car loan refinancing product that ranges from 9.99% APR.
What is the maximum loan term you can get with Gravity Lending Auto Refinancing?
Gravity Lending Auto Refinancing offers auto refinancing with a maximum term of 96 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.
Does Gravity Lending Auto Refinancing charge an origination fee on auto refinance loans?
No, Gravity Lending Auto Refinancing does not charge a loan origination fee for refinancing a car loan.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount.
Does Gravity Lending Auto Refinancing charge a late fee?
No, Gravity Lending Auto Refinancing will not charge you a late payment fee of up to $0 .
Does Gravity Lending Auto Refinancing charge prepayment fees?
No, there is no prepayment penalty.
What do you need to qualify for Gravity Lending Auto Refinancing?
Applicants with a credit score of at least 540 and up to 639 may be eligible for Gravity Lending Auto Refinancing. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Gravity Lending Auto Refinancing does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Gravity Lending Auto Refinancing.
To qualify, applicants may need to provide the following documentation:
- Proof of insurance
- Driver's license or other government photo ID
- Proof of identity
Does Gravity Lending Auto Refinancing report your account activity to credit bureaus?
Yes, Gravity Lending Auto Refinancing reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Gravity Lending perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Gravity Lending Auto Refinancing allows you to check your rates with a soft credit pull.
Is Gravity Lending a legit company?
Gravity Lending was founded in 2015, it is a well-established company that has been in business for 11 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Message from Gravity Lending Auto Refinancing
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Headquarters
Hours of Operation
Sunday
Closed
Monday
6:00AM - 4:00PM
Tuesday
6:00AM - 4:00PM
Wednesday
6:00AM - 4:00PM
Thursday
6:00AM - 4:00PM
Friday
6:00AM - 4:00PM
Saturday
Closed