Last Updated: 04/18/2025
SuperMoney User Recommendation Score +95
Strongly recommended39 total votes
Explore a similar product
Try this top product in Auto Loan Refinancing
iLending Auto Refinancing
Strongly recommended291 reviews
Community Recommended Products
View AllSponsored
Strongly recommended291 Reviews
Learn MoreSponsored
Strongly recommended43 Reviews
Learn MoreSponsored
Strongly recommended8 Reviews
Learn MoreGet Competing Auto Loan Refinancing Offers
Compare auto loan refinancing offers from multiple vetted lenders.
Discover your lowest eligible rate in minutes.
See how much you qualify for and what your monthly payment will be.
Get Personalized Rates
It's quick, easy, and won't hurt your credit score.
Highlights
Community Rating
Strongly recommended
Amount Range
$15,000 - $99,999
APR (Fixed APR)
Starting at 4.99%(Verified 12/09/2024)
Disclaimer popup with additional information
Credit Score Range
670 - 800
Loan Term (Months)
25 - 84
Number of Reviews
Gravity Lending - Prime Auto Refinance Review
Gravity Lending prime auto refinance is an auto loan refinance offering by Gravity Lending, based in Austin, TX. Founded in 2015, Gravity Lending offers auto refinance loans in 47 states (and Washington, DC).
Key Takeaways
- Vehicle types. Gravity Lending only refinances cars and trucks.
- Good credit required. You will need a credit score of at least 670 to qualify for Gravity Lending - Prime Auto Refinance.
- Refinancing for large loan amounts. You can refinance auto loans of up to $99,999 with Gravity Lending - Prime Auto Refinance.
- Fast process. In some cases you can refinance your auto loan within 1 business day.
- No origination fee. Gravity Lending - Prime Auto Refinance 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 - Prime Auto Refinance will not charge additional fees if you miss the due date on a payment.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Gravity Lending - Prime Auto Refinance.
- Long loan terms. Gravity Lending - Prime Auto Refinance offers loan terms of up to 84 months. Most auto refinancing loans have a maximum term of 60 months.
Gravity Lending prime auto refinance Pros & Cons
| Pros | Cons |
|
|
Gravity Lending prime auto refinance FAQ
How much can you borrow via Gravity Lending prime auto refinance?
Auto refinance loan amounts start at $15,000 and go up to $99,999.
What are the auto loan refinancing rates offered through Gravity Lending prime auto refinance?
Gravity Lending prime auto refinance offers a fixed APR car loan refinancing product that ranges from 4.99% APR.
What is the maximum loan term you can get with Gravity Lending prime auto refinance?
Gravity Lending prime auto refinance offers auto refinancing with terms ranging from 25 to 84 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 prime auto refinance charge an origination fee on auto refinance loans?
No, Gravity Lending prime auto refinance 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 prime auto refinance charge a late fee?
No, Gravity Lending prime auto refinance will not charge you a late payment fee .
Does Gravity Lending prime auto refinance charge prepayment fees?
No, there is no prepayment penalty.
What do you need to qualify for Gravity Lending - Prime Auto Refinance?
Applicants with a credit score of at least 670 and up to 800 may be eligible for Gravity Lending - Prime Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Gravity Lending - Prime Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Gravity Lending - Prime Auto Refinance.
To qualify, applicants may need to provide the following documentation:
- Proof of insurance
- Driver's license or other government photo ID
What is the estimated funding time for a car loan refinance with Gravity Lending prime auto refinance?
Auto refinance loan applications are typically funded within 1 to 7 days of approval.
Does Gravity Lending - Prime Auto Refinance report your account activity to credit bureaus?
Yes, Gravity Lending - Prime Auto Refinance reports to the following credit bureaus:
- Equifax
- Experian
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 prime auto refinance 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. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Gravity Lending prime auto refinance
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
Other Services by Gravity Lending
Other Auto Loan Refinancing from Gravity Lending
Rating not yet determined
Amount Range
$10K - $200K
APR
Starting at 9.99%
Disclaimer popup with additional information
Credit Score Range
540 - 639
300
850
Loan Term (Months)
Up to 96
Community Recommended Products
View AllSponsored
Strongly recommended291 Reviews
Learn MoreSponsored
Strongly recommended43 Reviews
Learn MoreSponsored
Strongly recommended8 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +95, or 4.9 on a 5-point rating scale.
+95
-1000+100
No one recommends
Everyone recommends
Gravity Lending - Prime Auto Refinance Community Reviews
Would you recommend Gravity Lending - Prime Auto Refinance to your friends?
MJ
Melissa J.
Jun 30, 2023
May or may not recommend
John Hubbard was a great help to refinancing my vehicle. He did a great job getting me a new loan with the rates I needed.
Taylor C.
Dec 15, 2022
May or may not recommend
I would definitely recommend gravity lending. Mark was very helpful and also very patient with me while getting all my things for him. He was very helpful at helping me get my things such as telling me what to do. Very sweet guy and like I said I highly recommend this company to anyone!!
W P.
Nov 23, 2022
May or may not recommend
I applied online for a auto refinance and was bombarded with call and text. I ignored the initial onslaught of lenders and the next day received a text from Matthew Mueller of Gravity Lending.
Matthew was easy to communicate with. He never pressured me into getting a loan with his company. Matthew simply answered my questions, offered solutions and the entire process was finished in just a ...Show More
AG
Amy G.
Aug 17, 2022
May or may not recommend
Definitely will recommend! Service was great and Cassandra Moore was very helpful and patient with me. I'm very happy!
HC
Hilda C.
Jul 22, 2022
May or may not recommend
Thank you Jacob for your help. I am very thankful for the great deal that you got for me along with the customer service and your disposition to help me and explain everything with detail. I highly recommend Gravity Lending to refinance. My rate when down from 7.9% to a great 3.4%.
Thank you, thank you, thank you!!!
JH
Jason H.
Jul 7, 2022
May or may not recommend
Mikey was Awesome! Gravity Lending got me the best rates I could find anywhere! Excellent job! I highly recommend them!
AG
Adrian G.
Jun 30, 2022
May or may not recommend
I have to say from service and taking care of my refinanced loan . I would recommend it . Great staff Mark Teasly was very good
Rick W.
Jun 24, 2022
May or may not recommend
GRAVITY LENDING, Eiji Evans was great, worked around my work schedule, was quick to return calls/texts/emails. Kept us updated through out the process and got us the best rate!! Richard & Adele Wagner
HH
Halimo H.
Jun 4, 2022
May or may not recommend
Colby gave me a such a great service everything went smoothly because of him thank you Colby.-halimo
CG
Carolyn G.
Apr 28, 2022
May or may not recommend
Awesome experience Jamie Wiley was an excellent exceptional agent answered all my questions and was there when I needed her I highly recommend gravity Lending
Daniel T.
Apr 26, 2022
May or may not recommend
Matt guided me through the process and was always available when I had questions
SM
Sylvia M.
Apr 13, 2022
May or may not recommend
Very easy process,Mr.Hubbard stayed in touch and quickly responded if I had any questions,I recommend this company for financing.
U
Anonymous
Mar 1, 2022
May or may not recommend
Had a great experience. Nick Lavender really knows his stuff.
SK
Shawn K G.
Feb 25, 2022
May or may not recommend
Refinanced my new truck in IL with Gravity. Super long, confusing process. Did not get anywhere near the rate told even with my credit score up front. Very hard to contact anyone. Did not receive any info on the actual lender, I had to Google and call them just to find out the basics. Took like 2 weeks, I could have did this myself in 1 day. negative -5 stars ...Show More
TR
Torrey R.
Nov 4, 2021
May or may not recommend
Very helpful staff. They are on top of all the paperwork to be filled out. Was set up in a few days.
LP
Lu P.
Jun 20, 2021
May or may not recommend
Gene G. at Gravity Lending, put together a great loan for me that I'm very happy with, but that's the least of it. I had a dozen or so lenders call me from Lending Tree about refinancing. He was the only one who was willing and capable of accommodating my hearing disability. Literally, the only one. He went well out of his way to take care of me through text ...Show More
JH
John H.
Dec 24, 2020
May or may not recommend
I received a Flyer in the mail informing me that refinancing my auto loan could result in a much lower monthly payment at a reduced interest rate. I decided to inquire and find out if it was practical for me to do so. I received a callback from a gentleman who explained in very basic terms why this process could benefit me in my particular situation. I decided to proceed ...Show More
JE
Jesus E.
Dec 21, 2020
May or may not recommend
I am happy that I went through with it,they help me though the process.I will recommend it to anybody that needs to refinance their auto.
Matthew C.
Dec 20, 2020
May or may not recommend
Great service. Gene was very helpful at not only getting the best rate but the best services. I was very happy with the service and information that I was given. The process was smooth and easy.
TS
Tyler S.
Dec 16, 2020
May or may not recommend
Great company! Will definitely use them again! Made the process painless!
Showing 20 of 39 reviews
You might also like
Best Auto Loan Refinancing Companies
SuperMoney
How Auto Loan Refinancing Works
Julie Pimentel
Auto Refinance Interest Rates: The Complete Guide
Jessica Walrack
