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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    How do I know I can trust these reviews about Gravity Lending?
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    Page 1 Reviews 0 - 5
    Customer ServiceStaffLoan ProcessRates

    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!

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      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
      Customer ServiceStaffLoan Process

      Reviewed April 16, 2025

      This is another review for Nick **; this is my fourth time refinancing with him for almost 5 years. This time, it was with the C8 Corvette, my dream car, to which he processed everything before even the first monthly payment was about to be due. Out of every person I've worked with, he is the most knowledgeable and genuine man I've met. He immediately responds to emails and texts, always answers every question thoroughly. I truly believe that he is an asset, and I benefit in no way by writing this review at all. I have never been left ignored, never had a question go unanswered; when he promises something will be done, it is always completed on time. Otherwise, I would not keep going back to the same loan refinance service if I truly didn’t feel it didn’t meet my expectations. But this company and Nick we way above that.

      If you ever had any negative experiences, please do yourself a favor and ask for Nick **. I can bet my life savings that he will change your mind and get everything straightened out. I have yet to meet anyone besides him that goes above and beyond to make sure everything that he sends out is constantly updated to me. I will continue to do business with him in the future, from now until I no longer can drive.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      That's an awesome review about Nick!! 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 Oct. 7, 2024

      I recently refinanced my truck with Gravity Lending, and I can genuinely say that it was one of the most seamless financial experiences I’ve ever had. Tim **, my representative, was outstanding. He was not only extremely responsive but also showed remarkable patience as I worked through gathering all the necessary documents, which, admittedly, took me some time. Tim never once made me feel rushed or overwhelmed; instead, he was encouraging and understanding, always ready to guide me through every detail.

      Beyond just helping me secure a lower APR, Tim also went above and beyond by offering additional maintenance services for my truck at a significantly lower cost compared to the dealer. This extra effort to provide value and savings meant a lot to me—it showed that Gravity Lending truly cares about its customers beyond just numbers and paperwork.

      If you are considering refinancing, I cannot recommend Gravity Lending enough, especially if you get to work with someone like Tim. His professionalism, empathy, and dedication made all the difference in transforming what I thought would be a complicated process into a straightforward and beneficial experience. Thank you, Tim, and Gravity Lending, for making this journey so positive.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

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

      Thanks for your vote!
      Gravity Lending
      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 July 6, 2025

      I recently refinanced my vehicle with Gravity Lending and Eric and his crew were awesome. Very professional throughout my refinance. They offered Gap insurance which the company I financed my vehicle through didn't, which put my mind at ease in case of my vehicle being totaled. When I have to finance a vehicle again Gravity Lending will be my go to company.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much! We really appreciate that feedback. Eric 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 ServiceStaff

      Reviewed July 2, 2025

      Nick ** made everything easy to understand and took the time to thoroughly answer all of my questions without ever making me feel rushed. His professionalism, patience, and clear communication truly stood out. It’s rare to find someone so dedicated and helpful. I felt confident and supported every step of the way. Highly recommended!

      Thanks for your vote!
      Gravity Lending
      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
      StaffLoan Process

      Reviewed July 2, 2025

      Ed K with Gravity was an excellent help throughout my refinance journey. They were transparent, honest, and rather fast. I think from application to funded was like 5 days. So it’s definitely a fast process.

      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!

      Verified purchase
      Customer ServiceStaffLoan Process

      Reviewed July 2, 2025

      I recently completed an auto refinance and had the pleasure of working with Yacob as my loan officer. From start to finish, he was incredibly professional, knowledgeable, and responsive. He guided me through every step of the process with patience and clarity, making what could have been a stressful experience feel smooth and straightforward. Yacob’s attention to detail and prompt communication truly set him apart. I always felt like I was in good hands. The rest of the team was also fantastic—friendly, efficient, and supportive throughout. I highly recommend Yacob and the entire team to anyone looking for a seamless and stress-free refinancing experience. Thank you all so much!

      -Willie

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much! We really appreciate that feedback. Yacob works hard to make sure our clients have a great experience and saves as much as possible. 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 June 26, 2025

      I recently worked with Nick ** to secure a auto loan, and the experience was excellent. From start to finish, he was incredibly responsive and took the time to explain each step of the process in simple terms. I really appreciated his patience and professionalism, especially when I had questions about interest rates. The loan was approved quickly, and we closed on time with no surprises. I felt supported throughout the entire process. I would highly recommend Nick to anyone looking for a reliable and knowledgeable loan officer.

      Thanks for your vote!
      Gravity Lending
      Response from Gravity Lending

      Thank you so much! We really appreciate that feedback. Nick works hard to make sure our clients have a great experience and saves as much as possible. 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