Gravity Lending Auto Refinance

in Auto Loan Refinancing from Gravity Lending

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Gravity Lending Auto Refinance


in Auto Loan Refinancing from Gravity Lending

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Credit Score Range 580 - 850
Loan Amount $10,000 - $100,000
APR  (Fixed APR) 1.99% - 16.99%
Loan Term (Months) 12 - 94 months

Gravity Lending Auto Refinance Review

Gravity Lending 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 22 states across the USA.

Key Takeaways
  • Fair credit accepted. The credit score needed for Gravity Lending Auto Refinance is relatively low. Borrowers with a credit score as low as 580 may qualify for Gravity Lending Auto Refinance.
  • Vehicle requirements. Vehicles must have less than 120,000 miles.
  • Refinancing for large loan amounts. You can refinance auto loans of up to $100,000 with Gravity Lending Auto Refinance.
  • Fast process. In some cases you can refinance your auto loan within 1 business day.
  • No origination fee. Gravity Lending 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 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 Auto Refinance.
  • Long loan terms. Gravity Lending Auto Refinance offers loan terms of up to 94 months. Most auto refinancing loans have a maximum term of 60 months.
  • Minimum income of $21,600. You will need an annual income of at least $21,600 to apply for Gravity Lending Auto Refinance, which is about average for the lenders in our database.
Gravity Lending Auto Refinance Pros & Cons
Pros Cons
  • Low APRs available to qualified borrowers.
  • $0 prepayment fee.
  • $0 origination fee.
  • Considers applicants with fair credit.
  • Not available in all states.
  • Only available in 22 states.
Gravity Lending Auto Refinance FAQ

How much can you borrow via Gravity Lending Auto Refinance?

Auto refinance loan amounts start at $10,000 and go up to $100,000.

What are the auto loan refinancing rates offered through Gravity Lending Auto Refinance?

Gravity Lending Auto Refinance offers a fixed APR auto loan refinancing product that ranges from 1.99% APR up to 16.99% APR.

What is the maximum loan term you can get with Gravity Lending Auto Refinance?

Gravity Lending Auto Refinance offers auto refinancing with terms ranging from 12 to 94 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 Refinance charge an origination fee on auto refinance loans?

No, Gravity Lending Auto Refinance does not charge a loan origination fee for refinancing an auto 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 Refinance charge a late fee?

No, Gravity Lending Auto Refinance will not charge you a late payment fee.

Does Gravity Lending Auto Refinance charge prepayment fees?

No, there is no prepayment penalty.

What do you need to qualify for Gravity Lending Auto Refinance?

Applicants with a credit score of at least 580 and up to 850 may be eligible for Gravity Lending Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for auto loan refinancing with Gravity Lending Auto Refinance, applicants need a minimum annual income of $21,600 or higher. Gravity Lending Auto Refinance only considers borrowers who are employed and meet the minimum income requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Gravity Lending Auto Refinance. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Gravity Lending Auto Refinance. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Proof of insurance
  • Driver's license

What is the maximum mileage to refinance with Gravity Lending?

Gravity Lending is an option for high-mileage vehicles. They will consider auto loan applications for vehicles with up to 120000 miles on the odometer.

What is the estimated funding time for an auto loan refinance with Gravity Lending Auto Refinance?

Auto refinance loan applications are typically approved (or denied) within 1 hour and funded within 1 to 7 days of approval.

Does Gravity Lending Auto Refinance report your account activity to credit bureaus?

Gravity Lending Auto Refinance reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

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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.


  • Headquarters
  •   3432 Greystone Dr, Suite 200
    Austin, TX 78731

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

Message From Gravity Lending

At Gravity Lending, we set out to differentiate ourselves by putting the client experience first. The first way we do this is by not charging a fee to our clients for our services (which is rare), yet we still deliver the lowest rates more than 80% of the time. When you factor in the total coast of other loans after fees, it's no surprise that we are the first choice for so many consumers. Secondly, our technology allows us to offer clients a turn-key service that allows the them to easily apply, review options, customize and agree to loan terms, and then sign conveniently at home. Its that easy. There is so much more we could mention, but we invite you to apply and see for yourself why others are saying such great things about Gravity Lending.  


  Available in 22 states
  • Arizona
  • Colorado
  • Connecticut
  • Delaware
  • Idaho
  • Illinois
  • Kansas
  • Maryland
  • Michigan
  • Montana
  • Nebraska
  • New Hampshire
  • New Jersey
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Dakota
  • Texas
  • Utah
  • Vermont
  • Virginia

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
No Late Fees  
Credit Score Range 580 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
Maximum Mileage 120,000
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Minimum Annual Income $21,600
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Proof of Insurance
  • Driver License (or other photo ID)
Approval Speed 1 hour
Credit Bureau Reporting
  • Experian
  • Equifax
Funding Time Range 1 - 7 days
Payment Options
  • Automatic Payments
  • Check by mail
  • Storefront
  • Credit/Debit Card
  • Bank Transfer
Pre-Approved Soft Credit Inquiry  
APR (Fixed APR) 1.99% - 16.99%
Loan Term 12 - 94 months
Loan Amount $10,000 - $100,000

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