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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 & Cons
Pros
- Nationwide lending network
- Rates as low as 4.49%
- Average savings of $134 a month
Cons
- $10,000 minimum
- No commercial vehicles
Bottom Line
Gravity Lending offers free comparisons of auto loan refinancing offers. The minimum loan amount is a bit high at $10,000 and it has no options for commercial vehicles, but the fast, secure service and low rates are appealing to many customers.
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 4.49%.
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 4.49%, 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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I've used Gravity Lending twice now. The first time I was looking to refinance a car and they have the best rate. I reached out to the company the first time and somebody got back to me quickly. They gathered information about the vehicle and my credit and then processed my credit history. Shortly after, within a few days presented me with their best offer, which was nice. Gave me a couple of months to not have a car note. The people that I worked with were all friendly. They helped me out a great amount which is why I went back and used them the second time.
The first time the whole process took three to five days and this last time it was two days. They had me hooked up and we got everything processed. It was easy. They only asked for some basic information, my driver's license and proof of insurance. I just submitted it to their web link. They really did everything that they could as far as getting my information, reaching out to multiple lenders, presenting me with the information for those lenders, and then giving me the option. Basically told me that the one I went with, which was the one that they were recommending, was really the best one that they had come across.
The gentleman I worked with was really friendly, easy to communicate with, responsive and asked for certain information. He also gave me a number that I could text and told me to reach out at any particular time. It didn't really matter if he wasn't available, he'd get back to me as soon as possible. It was really fluid communication from start to finish. Completely satisfied and would recommend them to friends and family.
Thank you so much for the kind words. 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 and their loan funds, you are eligible to receive $100 for EVERY person you sent. Thanks again!
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I recently had the pleasure of working with Joshua ** from Gravity Lending to refinance my auto loan, and I cannot speak highly enough of the exceptional service I received. Not only did Joshua help me secure a lower monthly payment, but he also took the time to listen to my concerns and answer all of my questions with patience and professionalism. Throughout the entire process, Joshua was always available to communicate and kept me updated every step of the way. He made what could have been a stressful experience into a seamless and stress-free one. I truly appreciate his dedication to his clients and his outstanding customer service skills.
I also want to highlight that Gravity Lending is a fantastic company to do business with for auto financing. The entire team was friendly, knowledgeable, and helpful throughout the entire process. Thanks to Joshua's efforts, I was able to secure a great quote with a reputable company at Regional Acceptance. Overall, I highly recommend Gravity Lending and Joshua ** for anyone looking for auto financing. Their exceptional customer service and commitment to their clients make them stand out in the industry. Thank you, Joshua, and the entire Gravity Lending team for your outstanding service.
Thank you so much for the kind words about Joshua. 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!
I've tried to refinance my car several times but nobody would refinance it because it was over 10 years old. I called Gravity and John made it happen and found somebody to refinance my car. I told him, “If you can't do this, then I'm not really interested because I'm totally computer illiterate.” He reassured me over and over again. He said, “We'll get on the phone together and I'll step-by-step go with you and get this done.” He did and he was great. The only thing I had to do was I sent him a front and back copy of my driver's license, two of my last pay stubs and my insurance card. He did everything else.
He had the best customer service I've ever dealt with. He was on it. It was all about customer service to him. He called me over and over again, made sure everything was done and we got all this paperwork DocuSigned and was on the phone the whole time with me. He even called a couple of times after it was all said and done. He said, “Everything is good.” It was an awesome experience. He got my car payment dropped in half. I was a 19.99% APR before, and now I'm at 8.99%.
That's an awesome review about John!! 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!
Before I engaged with Gravity Lending, I was a super skeptic since I had never heard of them before. I've read horror stories about Refis and didn't want to be one of those people. I did my homework on Gravity. I saw nothing but 4-5 star reviews, which again, made me skeptical thinking they may be fake. I decided to put my toe in the water and start the process. I don't regret it! Mario was my main POC at Gravity. After all the initial "soft inquiry" information for my 2016 BMW GT, he was very transparent about my 4 options with 4 different lenders, most of which were credit unions. He provided the interest rates, name of the lenders, and if any money down was required. I knew I had to get away from Bridgecrest, my current lender, and chose a perfect option for me, no money down. That saved me $100 per month, which made me one happy customer.
Mario was in constant communication with me, both by text and email. The forms were all sent electronically, and the entire process took less than 2 weeks. Since that went so well, we also refinanced our 2016 Harley, saving over $200 per month, and our 2018 RAM Long Horn, saving another $200 per month! I can't say enough about the process with Gravity Lending and HIGHLY recommend them.
That's an awesome review about Mario!! 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!
I cannot speak highly enough about Gravity Lending!! After experiencing a very abusive relationship last year and having my credit ruined due to that… I ended up stuck with a new car payment of almost $500 at an 18% interest rate. I called around to at least 5 different companies and places but absolutely nobody was able to help me. I felt so defeated and so discouraged. Finally my friend sent me a link to Lending Tree which I filled out. I then put in my information with 3 companies to refinance. The other two I had zero luck with… Both seemed promising but then told me there was nothing they could do for me. Then Austin, at Gravity Lending reached out to me in a short but concise and efficient email. I told him my story and why this was so important to me and he became so determined to help me. I noticed as I explained my story to him he didn’t just shrug it off… He showed genuine care and compassion which no other company had.
Within just a few days time and a whole lot of effort on his end he was able to find me an opportunity that reduced my monthly payment by about $150 and brought my interest down 10 points to 8%!!! I cannot tell you how thankful I am to have found this amazing company and this amazing person to work with. They truly have helped me with something life changing. If you aren’t sure who to go to for your refinance needs I guarantee you Gravity Lending will be the best option that you find.
That's an awesome review about Austin!! 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!
Thank you Gravity Lending for helping me to find a low interest rate in this crazy market! Mr. Mark ** was very helpful through the entire process of my refinance. I highly recommend this company. Thanks again. Let's Go Brandon!
That's an awesome review about Mark!! 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!
Jair was amazing and made this so much easier than I thought it was going to be! I appreciate the professionalism so much. He was on top of all the I needed and helped me through it. I would recommend this company over and over! Thank you!
Thank you so much for the kind words about Jair. 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!
I don’t typically leave reviews but my experience with Gravity Lending was so effortless it’s the least I can do. Thank you, Mark ** for your dedication and thorough communication throughout the refinancing process. I will be recommending Mark to my friends and family.
Thank you so much, we love to hear this kind of feedback! Mark 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!
Mark ** was awesome. He Spent a lot of his time getting us the best deal possible and then guiding us through the process. Mark is a Total professional. I definitely recommend Mark ** and Gravity for your lending needs in the future.
That's an awesome review about Mark!! 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!
I used Gravity to refinance my truck to a better rate than the dealer offered. Ari ** was my point of contact and he did a phenomenal job. He kept me updated and made the process as smooth as it could be.
Thank you so much! We really appreciate that feedback. Ari 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!
Gravity Lending Company Information
- Company Name:
- Gravity Lending
- City:
- Austin
- State/Province:
- TX
- Postal Code:
- 78758
- Country:
- United States
- Website:
- gravitylending.com