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It costs you nothing to refinance with Gravity Lending. The company does not charge any fees for their service. Your new auto loan will only include the loan amount, any fees associated with title transfer, any state charges, and the cost of GAP insurance. However, some of the lenders, they work with may charge fees.

Yes, Gravity Lending is a legitimate company. They have funded over $7 billion in loans and has maintained an A+ rating with the Better Business Bureau (BBB), and is licensed as a registered lender with the Texas Office of Consumer Credit Commission. They state that all lenders in their network are FDIC-insured or licensed lenders.

Yes, Gravity Lending provides a pre-qualification process that requires only a soft credit pull, which does not affect your credit score. Once you select a loan offer, a hard credit inquiry will be performed to finalize the application.

The financing process is quite efficient with Gravity Lending. Most applications take about 90 seconds to complete, and funding can occur in as little as 72 hours after approval.