Gravity Lending does not charge a fee to our customers to find the best refinance offer. While most companies that help you with auto refinance loans charge a fee (between $150 and $$800), Gravity Lending does more for our lender network, and is fully compensated by the lender for completing the loan transfer for both parties. Just one of the many ways Gravity Lending helps you save more money. To answer your second question, our loans never have pre-payment penalties, so you are always welcome to get ahead of the loan and pay more without the worry of penalties. ​​​​​​​If we can be of further assistance, please do not hesitate to contact us directly at 888-602-1125