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.

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
    StaffBillingHonesty & Transparency

    Reviewed Jan. 2, 2026

    I cannot say enough incredible things about Vanessa **! From start to finish, she completely changed my financial situation for the better. I was previously paying nearly $1,000 a month on my car with a 26.98% APR, and in the two years I had the car, I had only managed to take about $2,000 off the principal—it felt hopeless. Vanessa stepped in and made what felt impossible, possible. She helped me refinance my car, lowering both my monthly payments and my APR, and truly set me up for success.

    What sets Vanessa ** apart is not just her expertise, but who she is as a person. She took amazing care of me, made sure I had the best possible outcome, and explained everything clearly so I felt confident every step of the way. On top of that, she is genuinely funny, warm, and kind—she made me feel like a friend rather than just another customer. I felt truly heard, valued, and understood. Her empathy is absolutely out of this world.

    Vanessa ** is an exceptional professional and an even more exceptional human being. She deserves nothing but the best (and honestly, a raise!) I am beyond grateful for everything she did for me, and I would recommend her to anyone without hesitation. Thank you, Vanessa, for changing my life and making such a stressful situation a positive and empowering experience!

    Thanks for your vote!
    Gravity Lending
    Response from Gravity Lending

    That's an awesome review about Vanessa!! 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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      Customer ServicePunctuality & SpeedStaffBillingLoan ProcessRatesTransparencyCommunication

      Reviewed Dec. 10, 2025

      I am thrilled with the service I received from Ari Monroe at Gravity Lending and highly recommend him for auto refinancing—he made the process incredibly easy and financially rewarding. Dealing with car loans can often be confusing, but Ari immediately brought clarity and professionalism to the table. What impressed me most was how quickly and efficiently he was able to secure a significantly better rate than my existing lender. He took the time to understand my financial goals and clearly presented several options, explaining exactly how much I would save over the life of the loan. His commitment to ensuring I got the best possible terms was evident every step of the way.

      The entire auto refinance process—from the initial application to the final paperwork—was remarkably fast and stress-free. Ari handled all the details, was exceptionally communicative, and always kept me in the loop. I didn't have to chase him for updates; he was proactive and responsive, answering my questions almost immediately. This level of personalized, high-touch service is rare.

      If you are looking to lower your monthly payments, reduce your interest rate, and work with a loan officer who is knowledgeable, trustworthy, and a pleasure to deal with, you must call Ari Monroe at Gravity Lending. He turned what I expected to be a complicated transaction into a seamless, 5-star experience that is saving me real money. Thank you, Ari, for your expert guidance!

      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
      Customer ServiceCoveragePunctuality & SpeedStaffBillingLoan Process

      Reviewed Dec. 8, 2025

      I was skeptical at first, but given their reviews, I decided to reach out to see if they could help with refinancing my car loan. Within a day or 2 after submitting the application, they reached out to me to tell me I was approved and explain the process. The whole process was easy enough and was completed within a few weeks. They were able to get me down almost 2.5% from my previous car loan and reduced my monthly payments by $100/mo (would have been $150 but opted to add Gap insurance to the loan), but needed to extend the loan from 48 months back to 60 months.

      Tim ** was the one who assisted me throughout the loan process. He provided prompt communication and a clear layout of the numbers. I recommend him and his team. **The only drawback I have to include here is that they WILL pull a hard inquiry on your credit report as soon as you submit your information, whether you get approved or not or whether you decided to take the loan or not.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you for sharing your experience with Tim. 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!

      Customer ServiceStaffBillingRates

      Reviewed July 2, 2025

      Hi there, my name is Daniel **. I tried reaching out to Zac, the agent who assisted me previously as well as the manager Chris, I believe his last name was ** or **. Your services at Gravity Lending are outstanding, both of them were amazing overall and incredibly helpful; however now I’ve tried reaching out to them about this matter a few times and haven’t heard back. Unfortunately, after assessing the offers I was given me and my wife decided not to continue with the process of refinancing. Both her credit and mine were +720 this time around which is much higher than when I purchased the vehicle 3 years ago, and given the interest rate presented in the offer is higher than my current one and that our monthly payment didn't go down as much, we decided not to proceed at this time.

      Definitely we'll keep you guys on top of mind if we decide down the road to try refinancing once again. Zac had mentioned that there’s the possibility of pulling out the hard credit check, I definitely needed to reach out to you guys on the matter since my credit went down 100 points. Also it shows that there were multiple hard checks, not the one and only, which was what I was under the impression that would happen. Please both my wife and I would incredibly appreciate if you could help us out on the matter. Thank you so much and I hope to hear from you soon.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

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

      Reviewed May 6, 2025

      Ari ** is one of the best professionals in the business that I've ever had the pleasure to work with. I came to the company after feeling unheard, & completely undervalued by my prior financial institution. There's been almost 2 decades of loyalty from me to that company, & it's gotten me only further headaches & less appreciation than you would expect from that type of continued business & loyality. I was put in contact with this institution after several attempts to find another broker/credit union that would work closely with me, & be patient with my process to find that best deal that worked for me. Ari ** made things so seamless & worked with me at my pace (I can very stipulated & hard to work with in instances like this due to prior sour experiences*) exhibited extreme patience & understanding along the way.

      After going over every option, & others ones that much more notable institutions overlooked for the sake of "profit over people", I decided that - due to Ari's care & concern - this leap was one that I could make in great faith. To anyone who's been through negative past experiences & are understandably skeptical or hesitant about finding the rite financial institution: I can attest that this Gravity Lending & especially Ari ** will go the extra mile & and day to make sure things are right FOR THE CONSUMER!

      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
      StaffLoan Process

      Reviewed April 11, 2026

      I worked with Dillon ** and I have nothing but good things to say. He helped me get through the process a lot more smoothly than it should have been. Was a very trustworthy person to work with on a loan.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

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

      Reviewed April 3, 2026

      The process of refinancing my car was easy. Jackson from Gravity Lending was very supportive and helped me through the whole process. I was surprised to get it all approved within a week. My daughter did a refinance the following week with someone else and it was still a smooth process. Pleased with Gravity Lending.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

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

      Verified purchase
      Customer ServiceStaff

      Reviewed April 2, 2026

      Answers have been very clear, thorough, timely, and thoughtful. The attorney was patient, addressed my follow-up questions carefully, and explained complicated issues in a way that was easy to understand. I really appreciated the detailed and practical guidance.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      That's an awesome review about Israel!! 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 ProcessRates

      Reviewed April 1, 2026

      I really didn't want to deal with refinancing my car even though I knew I could get a better rate than I was currently paying. I reached out to Gravity Lending and my loan officer, Alex **, made the process so simple that I couldn't say no. He also got me a phenomenal rate especially taking into account the age of my car. Highly recommend their services.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much for the kind words about Alex. 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