Gravity Lending

Gravity Lending Reviews

5.0
1,727 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.

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
    StaffLoan ProcessRates

    Reviewed July 16, 2024

    I recently had the pleasure of refinancing my truck loan, and I can confidently say it was an outstanding experience, thanks to Lori **. From the very beginning, Lori demonstrated exceptional professionalism and a genuine commitment to helping me secure the best terms possible. Lori made the entire refinancing process incredibly smooth and straightforward. She took the time to explain each step in detail, ensuring I understood all my options and what to expect. Her clear communication and prompt responses to my questions made me feel confident and well-informed throughout the process.

    What truly set Lori apart was her dedication to finding the best deal for me. She diligently explored various options and negotiated on my behalf, ultimately securing a significantly lower interest rate that will save me a substantial amount of money over the life of the loan. Her expertise and tenacity were evident every step of the way.

    Moreover, Lori's friendly and approachable demeanor made working with her a pleasure. She was always patient and willing to address any concerns I had, making me feel valued as a customer. It's rare to find such a combination of professionalism and personal attention, and Lori embodies both perfectly. Thanks to Lori **, my truck loan refinancing experience was seamless and stress-free. I couldn't be happier with the outcome and highly recommend her services to anyone looking to refinance their vehicle loan. Lori's exceptional service and dedication truly made all the difference!

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    Response from Gravity Lending

    That's an awesome review about Lori!! 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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      StaffLoan Process

      Reviewed July 3, 2024

      I recently refinanced my car through Gravity Lending, and I must say Lewis ** provided exceptional service throughout the entire process. From our initial consultation to the final paperwork, Lewis was incredibly attentive and proactive, always following up promptly and ensuring I was informed every step of the way. One of the main reasons I decided to refinance was to lower my monthly payments, and Lewis worked diligently to achieve that goal. He managed to lower my car payment to just $200 per month, which has made a significant difference in my budget. This adjustment has allowed me to allocate more funds towards my children's needs, which is a huge relief.

      Lewis not only helped me save money but also made the entire refinancing experience smooth and stress-free. His professionalism and dedication to his clients are truly commendable. I would highly recommend Lewis ** and Gravity Lending to anyone looking to refinance their car loan. Thank you, Lewis, for your outstanding service and for helping me improve my financial situation!

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      Response from Gravity Lending

      That's an awesome review about Lewis!! 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
      StaffLoan Process

      Reviewed June 17, 2024

      Stephanie ** made my refinancing process go as smoothly as possible for me. She thoroughly explained everything to me which made it so much better. She had to explain to me twice almost three times so that I can fully understand what I was getting myself into and I thank her very much for being so kind to me and taking her time doing that for me. She was there for me all the way around until I fully understood my new loan and my mechanical breakdown insurance. She’s the best. She has a very positive attitude and definitely deserves a raise if possible. She goes above and beyond. Thank you Stephanie for all you did for me while this was all processing. Thank you for your patience and kindness. If it wasn’t for you I don’t think I would’ve refinanced once again, Thank You! -Candelaria

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      Response from Gravity Lending

      That's an awesome review about Stephanie!! 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 ServiceStaffLoan ProcessRates

      Reviewed June 10, 2024

      “A totally awesome experience.” This was our first time in Gravity Lending and they are the only one who helped us get our auto re-financing approved with good monthly payments. Shoutout to “Mr. Nick **” who helped us get through all this. He’s very patient and kind from start until the end of the transaction. If ever you want your car refinanced, call them and ask for Nick. He will help you every step of the way, with all the options and every details on how he can help you lower your monthly payments. Great customer service, he really is very confident that he can help us and he did. Thank you so much for the help. I truly recommend Gravity Lending for those who are thinking to refinance their car. The agents are very professional especially Nick, they have flexible rates and their level of customer service are superb making them stand out among other lending companies. I am extremely satisfied with their service.

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      Response from Gravity Lending

      Thank you for sharing your experience with Nick. 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 ServiceStaffRates

      Reviewed March 21, 2024

      I was looking to refinance my car to a payment that could fit my budget a little better. I searched and searched for the best rates, but when I reached out to Gravity Lending after reading all of their stellar reviews, they made that search so much easier. They were able to find a lender to work with me and my situation. Gravity Lending was easy to work with and found the best rates for my situation. They were helpful, easy to get ahold of and were able to work around my work schedule so that we could talk on the phone when it was convenient for me. When things were able to be done via email, they were quick and responsive making it easier on me. I would definitely recommend using them for your refinancing needs! I am so glad that I worked with them! I can rest easy knowing that I don't have to struggle to make my car payment anymore.

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      Response from Gravity Lending

      Thank you for sharing your experience with the review community. 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
      Loan ProcessRates

      Reviewed Feb. 27, 2025

      I was more than pleased with the services I received in refinancing my car loan. Zach was a huge help and made the process easy to understand and smooth to work through. I definitely recommend Gravity Lending, and especially Zach, if you are looking to refinance your car loan. I cannot recommend them enough! Helped me drastically drop my interest rate and my monthly payment!

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      Response from Gravity Lending

      Thank you so much! We really appreciate that feedback. Zach 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 Feb. 26, 2025

      Lori ** was incredibly knowledgeable. She held our hand through the entire process, was easy to communicate with, and made sure we knew what to expect with every step of the way. As a result we were able to save so much money over the course of our loan! We also were able to get an extended warranty that gives us peace of mind when it comes to owning a used car.

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      Response from Gravity Lending

      That's an awesome review about Lori!! 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
      StaffLoan Process

      Reviewed Feb. 19, 2025

      Leah B is an excellent person to help with filling out all the forms and saving me money. She's fast, effective and efficient. I know she will do whatever she can to get me the best deal at Gravity Lending. I feel so much better for having completed my loan with her help.

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      Response from Gravity Lending

      Thank you so much for the kind words about Leah. 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
      StaffLoan ProcessRates

      Reviewed Feb. 19, 2025

      I recently worked with Gravity Lending to refinance my car, and I’m very satisfied with the experience so far. I got approved a couple of days ago, and JOrdan was incredibly helpful throughout the process. He consistently followed up with updates and made going through the documents straightforward and stress-free. I was able to significantly lower my interest rate, which is a big win. So far, everything has been great. I’ll be sure to follow up in a few months with another review once I’ve had more time to experience the benefits. Thanks Jordan.

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      Response from Gravity Lending

      Thank you for sharing your experience with Jordan. 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 ServiceStaff

      Reviewed Feb. 14, 2025

      Thank you, Shari **, for helping me refinance my vehicle! Shari is professional, a great listener and has a lot of knowledge regarding financing your vehicle. Great customer service skills, empathy and understanding. Shari answered all of my questions in a solution focused manner. Thanks again Shari with Gravity Lending!

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      Response from Gravity Lending

      Thank you so much! We really appreciate that feedback. Shari 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