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 ProcessRatesHonesty & Transparency

    Reviewed July 30, 2026

    I had an outstanding experience working with Jonathan ** at Gravity Lending during my vehicle refinance, and I couldn't be happier with the results. From the very beginning, Jonathan took the time to understand my situation and walked me through every step of the refinancing process. He was knowledgeable, responsive, and made what I expected to be a complicated process incredibly smooth and stress-free. His communication was excellent, and he kept me informed throughout the entire process.

    The results exceeded my expectations. Jonathan was able to refinance my loan and lower my interest rate from 8.06% to 5.90%, which will save me a significant amount of money over the life of my loan. I truly appreciate the time and effort he put into finding me the best possible option. If you're considering refinancing your vehicle, I highly recommend reaching out to Jonathan De Leon and the team at Gravity Lending. Their professionalism, honesty, and commitment to helping their customers are second to none. Thank you again, Jonathan, for making such a positive financial impact on my life!

    Thanks for your vote!
    Gravity Lending
    Response from Gravity Lending

    That's an awesome review about Jonathan!! 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!

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      Verified purchase
      CoveragePunctuality & SpeedLoan ProcessRatesTransparency

      Reviewed July 26, 2026

      After receiving multiple offers from various lenders to re-finance my vehicle I decided to go with Gravity Lending after searching out the highest rated options. Gravity and Eric C. did not disappoint as I quickly realized all of their positive reviews were true. The entire process was quick and simple and Eric was very transparent in everything and within a couple of days I was now paying a much lower percentage rate and saving a couple hundred dollars per month. This was also including a superior warranty coverage and GAP insurance as well. I would definitely recommend Gravity Lending to anyone looking and will share them with friends and family that are seeking to re-finance their vehicle loans.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you for sharing your experience with Eric! 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!

      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.

      Thanks for your vote!
      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!

      Verified purchase
      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 ServicePunctuality & SpeedStaff

      Reviewed Aug. 1, 2026

      I searched around a good bit before going with Gravity to refinance my truck. Jonathan ** was very helpful, prompt to reply, and extremely courteous throughout the whole process. Highly recommend Jonathan for your refinancing needs! Outstanding experience!

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much for the kind words about Jonathan. 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
      StaffBillingEase of UseRatesTransparency

      Reviewed July 31, 2026

      Troy T. at Gravity Lending was fantastic! He lowered our interest rate and monthly payment, made the paperwork super easy to navigate, and kept us updated through every step of the process. I highly recommend Troy T. and Gravity Lending to anyone looking for top-notch service!

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much, we love to hear this kind of feedback! Troy works hard to be helpful and knowledgeable, so this review is much appreciated. Enjoy the savings and don't forget, you can now get paid $100 for EVERY person you refer when their loan funds. Thanks again!

      Verified purchase
      Customer ServiceStaff

      Reviewed July 31, 2026

      Errol answered all my questions. Was very professional and easy to work with. We recommend to anyone. Great help. Great communication. Kind and patient. I will be back if needed. Will bring other people and family and friends too.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much! We really appreciate that feedback. Errol 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
      Staff

      Reviewed July 31, 2026

      I will definitely refer all my friends and family to Errol **. He was very professional, knowledgeable, and easy to work with. He made the entire process smooth and provided excellent service. I truly appreciate his dedication and would highly recommend him to anyone looking for someone reliable and professional.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you for sharing your experience with Errol. 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
      Punctuality & SpeedStaffTransparency

      Reviewed July 30, 2026

      Ed K helped me out with my auto-refinance. He was very knowledgeable and made the process fast and easy, while being transparent every step of the way.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you for sharing your experience with Ed. 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!

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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