1,806 Reviews
Gravity Lending Review
November 13, 2025
•
1 min
Gravity Lending Summary
Gravity Lending is an online marketplace specializing in auto loan refinancing, connecting borrowers with an exclusive lender network to secure competitive rates and flexible terms. With a straightforward application, Gravity Lending makes it easy to refinance your auto loan or purchase out a lease comfortably from your home. If you want to reduce your payments or secure better terms for your budget, Gravity Lending could be a great choice.
Gravity Lending Pros & Cons
Pros
Rates as low as 3.99% APR
Fast application process
36 to 94-month terms available
No origination fee from Gravity Lending
Cons
Minimum credit score: 630
24-month term not available
Minimum loan balance: $15,000
Gravity Lending At a glance
9.6
Editorial ScoreOnline experience
Good online resources, but no mobile app
8.0
Customer services and support
Award winning
10.0
Loan Types
Offers all loan types
10.0
Repayment Flexibility
Offers flexible repayment plans & the option for special repayment programs
10.0
Eligibility (credit score)
Accepts most credit scores
10.0
Suitable For?
Gravity Lending is suitable for those who want a quick and easy process to refinance their auto loan or buy out your leased car. Gravity connects you with competitive rates and terms tailored to you.
Features
- Easy 3-step application process
- No application fee or origination fee from Gravity
- Loans available in all 50 states
- Extensive lender network
- Complete your refinance in as quick as 3 days
- A+ Better Business Bureau rating
Application Process
Gravity Lending’s application process is easy and straightforward. Applications are available online and can be completed in just a few minutes. An application consists of your personal information and your current loan details. Once an application is submitted, Gravity can provide you with personalized quotes within minutes thereafter.
Loan Types and Terms
Gravity Lending’s application process is easy and straightforward. Applications are available online and can be completed in just a few minutes. An application consists of your personal information and your current loan details. Once an application is submitted, Gravity can provide you with personalized quotes within minutes thereafter.
Repayment Options
Since Gravity Lending is a lending marketplace, they do not list specific loan repayment terms. That will be determined by the individual lender you go with.
How Safe Is It?
Gravity Lending implements industry standard security protocols, robust encryption and advanced firewalls to safeguard your information. Additionally, your information is shared only with authorized parties, such as lenders evaluating your loan application, ensuring it remains protected and used appropriately.
Help & Support
Gravity Lending is available by phone at 844-273-6636. You can also contact Gravity via-email at savings@gravitylending.com.
How Gravity Lending Compares
| Gravity Lending | LendingTree | |
|---|---|---|
| APR | From 3.99% | From Varies |
| Minimum credit score | 630 | None |
| Loan amounts | Up to $100,000 | Up to $300,000 |
| Loan term | 36 - 94 months | Varies |
| Suitable for | Fast & easy auto loans | Multiple loan options |
Summary
Gravity Lending adheres to security protocols in compliance with industry standards to safeguard your information. Gravity employs robust encryption technologies and advanced firewalls to protect against unauthorized access. Furthermore, your information is only shared exclusively with authorized entities, such as lenders, for the purpose of evaluating your loan application, ensuring its confidentiality and appropriate use.
Physical Address
3432 Greystone Dr, Ste 200
Austin, TX 78731
Written byChris Muller
Chris Muller is a personal finance writer at BestMoney.com, specializing in tax relief. He holds an MBA with a focus on advanced investments and has been creating personal finance content since 2015. Chris also founded and ran a digital marketing agency specializing in content marketing, copywriting, and SEO.
