{"id":63,"date":"2020-07-29T23:22:16","date_gmt":"2020-07-29T23:22:16","guid":{"rendered":"https:\/\/gravitylending.com\/?page_id=63"},"modified":"2026-04-15T09:33:08","modified_gmt":"2026-04-15T14:33:08","slug":"auto-refinance","status":"publish","type":"page","link":"https:\/\/gravitylending.com\/auto-refinance\/","title":{"rendered":"Auto Refinance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=&#8221;.vc_custom_1602078382289{padding-bottom: 50px !important;}&#8221;][vc_column]\n<!-- This is the shortcode for the hero banner. -->\n<div class=\"row hero-banner\" style=\"background-image: url('\/wp-content\/uploads\/2026\/04\/what-is-auto-refinancing-1.webp');\">\n\t<div class=\"hero-overlay\">\n\t\t<div class=\"container\">\n\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col-md-8 hero-container\">\n\t\t\t\t\t<div class=\"hero-headline\">SAVE 18% ON YOUR CAR PAYMENT<\/div>\t\t\t\t\t<div class=\"hero-subheadline\">You\u2019re 90 Seconds Away from Saving Money<\/div>\t\t\t\t\t<div class=\"hero-button\"><a class=\"btn btn-apply gtm-hero-apply\" href=\"\/apply-now\/\" title=\"Apply Now\" role=\"button\">APPLY NOW<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n[\/vc_column][\/vc_row][vc_row el_class=&#8221;container align-sides&#8221;][vc_column width=&#8221;1\/2&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h1><span style=\"color: #000000;\">What Is Auto Refinancing and How Will it Help Me?<\/span><\/h1>\n<p><span style=\"color: #333333;\">Auto refinancing is your key to many benefits that will save you thousands of dollars in the long run. When you refinance your car you are essentially restructuring your debt to more favorable terms. Our goal at Gravity Lending is to help you find the best interest rates and terms possible to save you money on your auto loan.<\/span><\/p>\n<h2><span style=\"color: #000000;\">Why Do You Need Auto Refinancing?<\/span><\/h2>\n<p><span style=\"color: #333333;\">Gravity Lending specializes in locating and cultivating the best interest rates and terms possible for you. With refinancing you can maximize your savings with benefits like:<\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Lower Monthly Payment<\/strong><\/span> \u2013 <span style=\"color: #333333;\">By lowering your interest rate, extending the term of your loan or both you can reduce your monthly car payment by an average of $105 a month.<\/span><\/li>\n<li><span style=\"color: #000000;\"><strong>Lower Interest Rate<\/strong><\/span> \u2013 <span style=\"color: #333333;\">A lower rate, with the same or shorter loan term period, typically means you will pay less total interest over the life of the vehicle\u2019s loan.<\/span><\/li>\n<li><span style=\"color: #000000;\"><strong>Longer Loan Term<\/strong><\/span> \u2013 <span style=\"color: #333333;\">Depending on the interest rate, increasing the loan duration will reduce your monthly car payment.<\/span><\/li>\n<li><span style=\"color: #000000;\"><strong>Shorter Loan Term<\/strong><\/span> \u2013 <span style=\"color: #333333;\">Conversely, shortening the term could increase the monthly payment but reduce the total amount of interest you will pay.<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #333333;\">There are many reasons why you might want to refinance your auto loan, but it\u2019s usually to save you money. Now is a great time to<\/span> <a href=\"\/apply-now\/\">compare your offers<\/a>.[\/vc_column_text][vc_custom_heading text=&#8221;IS NOW A GOOD TIME TO REFINANCE YOUR CAR?&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_column_text css=&#8221;&#8221;]Even if you haven\u2019t considered refinancing your auto loan to save money, there are circumstances where you may want to refinance to receive a better rate. Reasons to consider refinancing your auto loan:<\/p>\n<ul>\n<li><span style=\"color: #000000;\"><strong>Has Your Credit Score Improved?<\/strong><\/span> \u2013 <span style=\"color: #333333;\">Numerous factors go into making an underwriting decision, but your credit score is the main consideration for our network of lenders nationwide. A higher credit score could qualify you for a lower interest rate and APR on your auto loan.<\/span><\/li>\n<li><span style=\"color: #000000;\"><strong>Inflation is at Record Highs and Interest Rates are Potentially Still on the Rise<\/strong><\/span> <span style=\"color: #333333;\">\u2013 A drop of even one or two interest percentage points can result in significant savings over the period of your auto loan, so every little bit counts with prices at all-time highs.<\/span><\/li>\n<li><span style=\"color: #000000;\"><strong>Get Out of Expensive Dealer Auto Financing<\/strong><\/span> \u2013 <span style=\"color: #333333;\">If you financed your car or truck through dealer financing, you can typically get a lower interest rate through our nationwide lending network. Let us do the work and get you loan comparisons, just<\/span> <a href=\"https:\/\/gravitylending.com\/apply-now\/\">apply now<\/a>.<\/li>\n<li><span style=\"color: #000000;\"><strong>Buy Out Your Vehicle Lease<\/strong><\/span> \u2013 <span style=\"color: #333333;\">Love your car, but not your payments? We\u2019ll help you buy out your current lease and help you lock in a lower monthly payment and interest rate.<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #333333;\">Not sure if you&#8217;re getting the lowest interest rate on your auto loan? Refinancing through Gravity Lending is simple, secure, and could save you money. Find<\/span> <a href=\"\/apply-now\/\">the right loan and terms<\/a> <span style=\"color: #333333;\">for you!<\/span>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_raw_html 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css=&#8221;.vc_custom_1602078382289{padding-bottom: 50px !important;}&#8221;][vc_column][\/vc_column][\/vc_row][vc_row el_class=&#8221;container align-sides&#8221;][vc_column width=&#8221;1\/2&#8243;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][\/vc_column][vc_column width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;&#8221;] What Is Auto Refinancing and How Will it Help Me? Auto refinancing is your key to many benefits that will save you thousands of dollars in the long run. When you refinance your car you are essentially restructuring your debt to more favorable terms. Our [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/gravitylending.com\/auto-refinance\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/gravity.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-63","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/gravitylending.com\/wp-json\/wp\/v2\/pages\/63","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gravitylending.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gravitylending.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gravitylending.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gravitylending.com\/wp-json\/wp\/v2\/comments?post=63"}],"version-history":[{"count":135,"href":"https:\/\/gravitylending.com\/wp-json\/wp\/v2\/pages\/63\/revisions"}],"predecessor-version":[{"id":6749,"href":"https:\/\/gravitylending.com\/wp-json\/wp\/v2\/pages\/63\/revisions\/6749"}],"wp:attachment":[{"href":"https:\/\/gravitylending.com\/wp-json\/wp\/v2\/media?parent=63"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}