Great question. Most auto refincance companies will charge fees, however, Gravity Lending NEVER charges our customers a fee! We offer a top reviewed free service that saves people thousands on average, and saves them time.We are very proud to offer such substantial savings and access to technology to make the process easier, all with no cost to our customers.To answer your other question, the reason there a soft pull needed for an auto refinance (soft pull having no affect on your credit score), is interest rates are credit based. The better score you have the lower rate you qualify for, generally speaking.  If you found your loan through a dealership, or if your credit has improved since you purchased, or if you need extra cash flow, applying for an auto refinance, even just to check offers, is generally a financiallly sound decision.