Gravity Lending Reviews

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About Gravity Lending

Gravity Lending works with lenders nationwide to let you compare loans and customize them to your personal financial needs. There is no charge to use Gravity Lending’s services and work with an experienced loan officer to refinance your auto loan. In addition to auto refinancing, Gravity Lending also offers vehicle service contracts, gap insurance, vehicle protection plans and depreciation and debt protection.

Visit gravitylending.com
Pros
  • Nationwide lending network
  • Rates as low as 4.99%
  • Average savings of $134 a month
Cons
  • $10,000 minimum
  • No commercial vehicles

What is Gravity Lending?

Gravity Lending is an online marketplace where you can compare auto refinancing loan offers from a network of nationwide lenders. The company offers services at no cost to customers, and it provides a fast, secure process. Loans fund in as little as 72 hours with interest rates as low as 4.99%.

The Gravity Lending team has funded over $7 billion dollars in loans and advertises that customers have a total savings average of $2,846.

How does Gravity Lending work?

As an online marketplace, Gravity Lending works as a middleman for refinancing loans. You can use its platform to compare loan options and rates from a wide variety of companies, each of which sets its own rates and terms. You only need to fill out one application, and you'll be assigned a dedicated loan officer to help walk you through the refinancing process quickly and securely. You can upload the few documents needed and sign from your phone.

The online site is easy to navigate and understand, which is a big selling point for many customers. Plus, the ability to compare options at no cost creates more flexibility in pricing and terms. In general, refinancing loans offered through Gravity Lending are available for 24 to 84 months and must be for at least $10,000.

After choosing a loan, you need to provide certain documentation, including proof of insurance and income. Other things needed for approval include a valid driver’s license, vehicle information and proof of residence. After approval, you have between 45 and 90 days before you need to make your first loan payment.

Gravity Lending rates

As a broker, Gravity Lending will shop lenders nationwide to find you the lowest auto refinancing rate possible. Interest rates start at 4.99%, and the company states it saves customers an average of 25% on their auto loan.

You can compare auto refinance rates with only a soft credit pull, which doesn’t affect your credit score. Gravity Lending does not charge any fees for its services.

Gravity Lending FAQ

Does Gravity Lending do a hard credit pull?

Yes, eventually. Before that is done, the company has a pre-qualification process that only requires a soft credit pull, which does not affect your credit. Once you decide on a loan offer, Gravity Lending performs a hard credit inquiry.

Can I choose my Gravity Lending loan term?

Yes. Terms between 24 and 84 months are available. Your personal financial credit situation and other factors will determine the auto refinancing offers you receive.

What documents do I need to provide to refinance with Gravity Lending?

Only a few. You will need to provide proof of income, proof of residence, proof of insurance and your vehicle information including the year, make, model, VIN and payoff on your current loan.

How long does refinancing with Gravity Lending take?

The company states that most applications take about 90 seconds to complete and funding can happen in as little as 72 hours.

Still have questions?

Is Gravity Lending legit?

Gravity Lending is a popular company for those who want to compare their auto refinancing options online. Because the services are free and pre-qualifying doesn’t require a hard credit pull, it’s easy to figure out your loan offers. Some vehicle owners might be frustrated to find out that loans start at $10,000 and aren’t available in every state, but many customers find cost savings by refinancing with Gravity Lending.

Gravity Lending Reviews

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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceStaffLoan ProcessRates

    Reviewed July 7, 2026

    Six months ago, I bought a car with a very high interest rate. The loan officer at Gravity Lending, Breezy ** helped me refinance my auto loan at a much lower rate. Thanks to her expertise, my interest rate was reduced from 11% to almost 6%. Breezy was professional, knowledgeable, and incredibly helpful throughout the entire process. She explained every step clearly and made everything easy to understand, which gave me confidence from start to finish. If you’re looking to refinance your auto loan, I highly recommend Gravity Lending and Breezy **, you can trust them to work hard to find you the best rate possible while providing excellent customer service.

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    Gravity Lending
    Response from Gravity Lending

    Thank you for sharing your experience with Breezy. We work hard to create a great experience for all of our customers. Enjoy the new loan savings and don't forget, you can now get paid $100 for EVERY person you refer once their loan funds. Thanks again!

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      Customer ServiceSales & MarketingPunctuality & SpeedStaffBillingRates

      Reviewed July 1, 2026

      I bought myself a Q50 as a gift for overcoming addiction, and at the time, the high interest rate didn’t seem so bad. After almost two years of having the car, I’ve come to realize that sort of payment is not what I want for the next three years. I decided to do a bit of research for refinance and Gravity Lending was one of the companies recommended. Having zero knowledge of how the refinance option process works, I was hesitant and worried about getting scammed. After a bit of research, I decided to give them a call. I was contacted by Dan ** and while I was still hesitant, Dan reassured me that he would be taking care of everything.

      After giving some information, I was assigned to Marc ** who made the refinance possible. Not only was he accommodating to my work schedule and was text-message friendly, he made me feel confident in the whole process. When it comes to customer service, the one Marc and Dan have provided should be the standard. I’m really thankful I get to keep my car as I did make the decision to downgrade. I truly appreciate the time and efforts from Dan and Marc at Gravity Lending.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      That's an awesome review about Marc and Dan!! We are thrilled to hear this! We would be honored to help your friends and family too, so you now qualify to receive $100 for every person you help. Just make sure they mention your name and when their loan funds, expect to get $100 for every person you send. Thanks again!

      Verified purchase
      Customer ServicePunctuality & SpeedStaffLoan Process

      Reviewed June 3, 2026

      My experience with Gravity Lending was quick and smooth. I've been receiving letters from different companies wanting to help me refinance my car loan. I finally decided to look into Gravity Lending to see what they were offering. Kunal P was the agent who reached out. It took me a few days to commit because I just felt like it was going to take too much time. However, when I finally called Kunal P. back, he got the ball rolling right away. My car was refinanced within 2 days of that call & I received my new account information a few days after that. I would recommend 1000%. I'm very happy with the service I received.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much for the kind words about Kunal. We really work hard to make sure every one of our clients has a great experience and saves as much as possible. Don't forget, if you refer people you know directly to us, when their loan funds, you'll get $100 for EVERY person you sent. Thanks again!

      Verified purchase
      Customer ServiceLoan ProcessRates

      Reviewed May 7, 2026

      I had the privilege of working with Ari ** to refinance an auto loan for a vehicle I recently purchased. The financing options available from the dealership were less than desirable however I was confident I would be able to find a better rate elsewhere. Time was not on my side and when I reached out to Ari, he expedited the process. Within a matter of an hour after application, Ari already had initial rates sent to me via email and was actively working to find something more aggressive. When the dust settled, Ari was able to save me nearly a point, ultimately dropping my monthly rate and saving more nearly $4k in interest. Professionally persistent, far from a pest. I'd recommend Ari as well as Gravity Lending to anyone looking for a competitive option.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much for the kind words about Ari. We really work hard to make sure every one of our clients has a great experience and saves as much as possible. Don't forget, if you refer people you know directly to us, when their loan funds, you'll get $100 for EVERY person you sent. Thanks again!

      Verified purchase
      Customer ServiceCoverageTechPriceMaintenanceStaffRatesHonesty & Transparency

      Reviewed April 28, 2026

      My wife and I have worked diligently and protectively for 6 years to rebuild our credit and at a time when it is going to make a real tangible life-changing difference to refinance our automobile. Dillon ** responded to an application we submitted and approached us to inform us he had found a lender who saw the work we had put in and saw us as a viable investment worth taking a risk on and presented us with an interest rate we thought was too good to be true honestly. He was patient, kind and helpful. Ushering us through the process at every step of the way and as a result we will now be paying our car off approximately 2 years earlier and saving $100 a month with a fantastic service support and maintenance program that surpasses even my own coverage through my insurance provider in a lot of ways.

      We would have never known to consider or apply with the lender he was able to connect us with. My family will be returning when we are at the next stage needing to level up and grow giving Dillon and his team at Gravity lending the first chance for us to mutually benefit from one another. I wish I could give them more stars.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much for the kind words about Dillon. We really work hard to make sure every one of our clients has a great experience and saves as much as possible. Don't forget, if you refer people you know directly to us, when their loan funds, you'll get $100 for EVERY person you sent. Thanks again!

      Verified purchase
      PriceStaffRates

      Reviewed July 10, 2026

      I had been trying to get my car refinanced for over a year. No one, not even my bank would help, the interest rate was killing me & the amount still owed on my car was way more than what it was worth. So I took a chance with Gravity Lemding. They had me refinanced within a day. Jarrel was extremely knowledgeable & had an answer for every question I had. Very pleasant & easy to talk to. I'd request him if you ever need help.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much! We really appreciate that feedback. Jarrel works hard to make sure our clients have a great experience. Enjoy the new loan savings and don't forget, you can now get paid $100 for EVERY person you refer once their loan funds. Thanks again!

      Verified purchase
      Customer ServicePunctuality & SpeedStaffLoan ProcessRatesHonesty & Transparency

      Reviewed July 10, 2026

      I cannot recommend Ari at Gravity Lending highly enough! From start to finish, he provided exceptional customer service, kept me informed every step of the way, and made the entire refinancing process incredibly fast, smooth, and stress-free. Best of all, Ari was able to cut my interest rate to nearly half of what I had been paying, saving me a significant amount of money. His professionalism, knowledge, honesty, and dedication to his clients are truly outstanding. If you're considering refinancing your auto loan, do yourself a favor and ask for Ari—you'll be glad you did!

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      That's an awesome review about Ari!! We are thrilled to hear this! We would be honored to help your friends and family too, so you now qualify to receive $100 for every person you help. Just make sure they mention your name and when their loan funds, expect to get $100 for every person you send. Thanks again!

      Verified purchase
      Punctuality & SpeedStaff

      Reviewed July 8, 2026

      I just refinanced my 2025 Nissan Kicks and Robert ** did an outstanding job in the process. He made it very easy and stress-free, and he is very knowledgeable and personable. The process was smooth and fast! I will definitely refer him to family and friends! Thanks again to Robert for everything!

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you for sharing your experience with Robert! We truly appreciate the feedback. Enjoy the new loan savings and don't forget, you can now get paid $100 for EVERY person you refer once their loan funds. Thanks again!

      Verified purchase
      Staff

      Reviewed July 7, 2026

      Israel ** did a fantastic job during my refinancing with Gravity Lending. He was always available to answer any questions I had and kept me informed throughout the entire process. He made everything simple, stress-free, and easy to understand. I truly appreciate his professionalism, responsiveness, and dedication. I highly recommend Israel Ramirez and Gravity Lending to anyone looking to refinance.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much! We really appreciate that feedback. Israel works hard to make sure our clients have a great experience. Enjoy the new loan savings and don't forget, you can now get paid $100 for EVERY person you refer once their loan funds. Thanks again!

      Verified purchase
      StaffLoan Process

      Reviewed July 7, 2026

      I had a very easy and professional experience working with Maricrus ** from Gravity Lending to refinance my auto loan. She offered me the best options and guided me through the whole process which is very straightforward through Gravity Lending. I would definitely work with both Gravity Lending and Maricrus again.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much! We really appreciate that feedback. Maricrus works hard to make sure our clients have a great experience. Enjoy the new loan savings and don't forget, you can now get paid $100 for EVERY person you refer once their loan funds. Thanks again!

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      Gravity Lending Company Information

      Company Name:
      Gravity Lending
      City:
      Austin
      State/Province:
      TX
      Postal Code:
      78758
      Country:
      United States
      Website:
      gravitylending.com