Last Updated: 04/18/2025
Gravity Lending - Prime Auto Refinance
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in Auto Loan Refinancing from Gravity Lending
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +95
Strongly recommended39 total votes
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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.
- 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
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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.
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.
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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