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.

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 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!

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      Verified purchase
      Customer ServiceStaffLoan Process

      Reviewed May 20, 2026

      I recently refinanced my car loan through Gravity Lending, and the experience was excellent. I applied only last week, and Dean reached out to me right away. He made the entire process very easy to understand by explaining everything step by step. Dean was there to guide me through every part of the application process and was always available to answer my questions. Thanks to his help, everything was completed within just one week. I highly recommend Dean and Gravity Lending for anyone looking to refinance their car loan. Great customer service and a smooth experience from start to finish!

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much! We really appreciate that feedback. Dean 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 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
      Billing

      Reviewed April 3, 2026

      Shari M. Is a terrific person to work with! I have been searching for months and months and months to find the perfect lending place for me to lower my payments. Shari made my experience the most best experience I could’ve asked for. She respected me as a customer, she valued my thoughts, and lastly she ensured I understood what was happening EVERY step of the way. If you need a member who truly puts the customer first. Please reach out to Shari M.! She was truly like my bank lender best friend haha! I hope you all choose this company to work with, more specifically I recommend reaching out to Shari for ANY issues you have.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much, we love to hear this kind of feedback! Shari 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!

      Staff

      Reviewed June 4, 2026

      Had an excellent experience with Trey ** in Austin. Patient, kind, knowledgeable. My car refinancing changed my financial life. Would recommend Trey anytime!

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much! We really appreciate that feedback. Trey 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 ServiceLoan Process

      Reviewed June 1, 2026

      Shari at Gravity Lending has made my experience in a auto refin̈ance loan very pleasurable, she told me everything I needed to know and what I must do, I am very happy with the outcome! When I had submitted all my information she followed up with me to let me know that my loan was approved, she treated me with total respect. Great customer service.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much for the kind words about Shari. 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 ServiceStaff

      Reviewed June 1, 2026

      I'm very impressed with Gravity Lending, and especially Jonathan **, the representative that assisted me in the refinance of our truck. Jonathan is most likely one of the best customer service reps I've ever had the pleasure of working with. He not only does his job well, but he is super kind and compassionate, professional and friendly. Thank you, Jonathan **, for everything ~ you're the BEST!

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you for sharing your experience with Jonathan, 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
      StaffRates

      Reviewed May 29, 2026

      Jonathan with Gravity Lending was a fantastic agent to work with. He was thorough, communicated beautifully, was patient and kept us apprised of our progress throughout the process of refinancing our autos. Blessings and Highly rated!!!

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much, we love to hear this kind of feedback! Jonathan 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
      StaffLoan Process

      Reviewed May 29, 2026

      I recently refinanced my vehicle through Gravity Lending, and Jacob made the entire process easy and stress-free. He was professional, responsive, and took the time to answer all of my questions. Thanks to his help, I was able to secure a better loan situation and save money. I highly recommend Jacob and Gravity Lending to anyone considering refinancing their vehicle.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much for the kind words about Jacob. 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!

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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