What is RefiJet and how does auto loan refinancing through them work?

RefiJet is an auto loan refinancing marketplace that connects borrowers with a network of lenders. It submits your application to multiple lenders simultaneously, presents you with the best offers, and handles the payoff of your existing loan when you accept a new one. RefiJet is not a direct lender — it earns a referral fee from lenders when a loan funds. The service is free for borrowers. RefiJet markets itself as a white-glove service with dedicated loan agents who walk borrowers through the refinancing process.

What is Gravity Lending and how does it differ from RefiJet?

Gravity Lending is also an auto loan refinancing company, operating as a broker that sources loan offers from its network of lender partners. Like RefiJet, Gravity Lending is not a direct lender. Gravity Lending differentiates on customer service — it uses dedicated loan officers and emphasizes a personalized, guided refinancing process. Both companies target borrowers with existing auto loans at above-market rates who want to reduce their monthly payment or total interest cost.

What credit score do I need for RefiJet or Gravity Lending?

Both companies work with a range of credit profiles through their lender networks. RefiJet typically works with borrowers from 560 FICO upward, with best rates reserved for 680+. Gravity Lending's network similarly works with borrowers from approximately 580 upward. In both cases, the actual approval and rate depend on the specific lender matched in the network — not the marketplace itself. Borrowers with 660+ FICO are most likely to receive meaningfully better rates than their current loan.

How long does auto refinancing take with RefiJet or Gravity Lending?

Both platforms typically complete the refinancing process in 3–10 business days from application to funded loan. The steps are: soft pull pre-qualification; review of offers; formal application with hard pull; document submission (pay stubs, registration, insurance, payoff statement); new lender verification of vehicle; signing new loan documents; new lender pays off existing loan. Your first payment to the new lender is due approximately 30–45 days after funding. The existing lender typically processes the payoff within 7–14 days of receiving payment.

Are there any fees to use RefiJet or Gravity Lending?

Both companies are free to use for borrowers — they earn revenue through lender referral fees paid when a loan closes. However, some lenders in their networks may charge origination fees, so review all offer terms carefully before accepting. The key metric is the annual percentage rate (APR) — which includes all fees — rather than the stated interest rate alone. Any offer with an origination fee will have an APR higher than the interest rate.

RefiJet vs. Gravity Lending Auto Refinancing 2026 — Full Comparison

RefiJet and Gravity Lending both occupy the same niche: auto loan refinancing marketplaces that shop multiple lenders on your behalf. Neither is a direct lender; both compete primarily on customer service experience, lender network breadth, and the quality of guidance they provide through the refinancing process.

Side-by-Side Comparison

Feature	RefiJet	Gravity Lending
Type	Refinancing marketplace	Refinancing marketplace
Direct lender?	No	No
Min credit score	~560 (network-dependent)	~580 (network-dependent)
Vehicle age limit	Typically up to 10 years	Typically up to 10 years
Vehicle mileage limit	Typically 150,000 miles	Typically 150,000 miles
Min loan balance	~$5,000	~$5,000
Max loan balance	~$150,000	~$150,000
Dedicated loan agent	Yes	Yes
Soft pull pre-qualification	Yes	Yes
Time to fund	3–10 business days	3–10 business days
Fee to borrower	None	None
Available states	Most US states	Most US states

What RefiJet Emphasizes

RefiJet markets heavily on its human loan agent experience — assigning a dedicated advisor who helps the borrower navigate the refinancing process, explains the offers, and manages the payoff. This is appealing to first-time refinancers who find the process unfamiliar. RefiJet’s lender network is broad, and the company has built a reputation for working with borrowers across a wider credit spectrum.

What Gravity Lending Emphasizes

Gravity Lending similarly emphasizes personalized service and loan officer guidance. The company reports strong customer satisfaction scores and is known for transparent communication about what to expect at each stage. Gravity Lending’s lender network overlaps significantly with RefiJet’s — the platforms serve similar borrower profiles.

When to Choose RefiJet vs. Gravity Lending

Practically, both platforms perform a very similar function. The best approach is to apply to both (plus at least one direct lender — a credit union or your bank) within a 14-day window.

Situation	Recommendation
First time refinancing; want hand-holding	Either RefiJet or Gravity — both offer loan agent support
Want to maximize rate competition	Apply to both + a credit union
Credit score 580–640 (near-subprime)	Both work in this range; compare actual offers
Credit score 680+	Both will surface competitive offers; add PenFed or a CU
Need fast funding (< 5 days)	Ask both for estimated timing before committing

The Refinancing Math: Is It Worth It?

Existing loan: $24,000 remaining | 48 months remaining | Current rate: 10.5%

New Rate	Monthly Savings	Total Savings (48 months)
8.0%	~$28/month	~$1,344
7.0%	~$41/month	~$1,968
6.0%	~$54/month	~$2,592

Rule of thumb: Refinancing is worth pursuing when you can lower your rate by at least 1.5%–2% and you have at least 24 months remaining on the loan.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy