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Gravity Lending Review

Reviews 1,754
Gravity Lending
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Gravity Lending
Gravity Lending
Reviews 1,754
Chris Muller
Jul. 11, 2023
3 min read
Gravity Lending Summary
Gravity Lending is an online marketplace that connects you with other lenders for competitive rates and terms. They focus primarily on auto loans but offer several other options, too. Their application process is fast and easy, and funding happens quickly. If you're looking to refinance your auto loan or a lease buyout from the comfort of your home, Gravity Lending may be a very good option for you.


  • Rates as low as 4.49%
  • Fast application process
  • Simple lending terms
  • Additional loan protections included


  • Not a direct lender
  • Need to apply for credit to get rates

Gravity Lending at a glance

Editorial score

Online experience

Good online resources, but no mobile app

Customer services and support

Award winning

Loan Types

Offers all loan types

Repayment Flexibility

Offers flexible repayment plans & the option for special repayment programs

Eligibility (credit score)

Accepts most credit scores

Call Gravity Lending 8662902283

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. They work with a variety of other lenders to connect you with competitive rates and terms, based on your credit profile (note: personal and student loans are coming soon).


Gravity Lending offers auto refinancing and lease buyout loans today. Coming soon is the ability to get student loans, personal loans, and home improvement loans. To start, you’ll get low rates and the simplest terms on the market. This is because Gravity connects you to a variety of other lenders who compete for your business.

In addition, their process is streamlined (more on this below) and funding happens fast. So essentially, you can refinance your auto loan or get a lease buyout in a matter of minutes without leaving your couch.

Gravity also offers protection on your loan. First, you’ll be eligible to receive Guaranteed Asset Protection (GAP) which typically pays the difference between the cash value of your vehicle and what’s owed to the lender if you have a total loss. You’ll also be eligible for a Vehicle Service Contract (VSC), which is like a warranty but is more of an agreement to pay for specific repairs to your vehicle if needed. Finally, Gravity offers Depreciation Protection, which helps cover the value of your car where GAP protection can’t.

Gravity Lending Highlights:

  • Fast application and lending process
  • Excellent rates and lending terms
  • Expedited funding
  • Additional protection
  • Multiple loan options
  • A+ Better Business Bureau rating

Application Process

The application process with Gravity Lending is easy, and there are four steps you need to take: 

  1. Contact information. You fill out your basic contact information such as your name, email, and phone number.
  2. Loan request information. Enter your vehicle make, model, and year, as well as mileage, estimated payoff amount, and VIN number (optional).
  3. Applicant information. Fill out a loan application with your detailed information, such as your date of birth, Social Security Number, residential information, and employment information.
  4. Disclosures and submit your application. The final step is to read their disclosures and give Gravity Lending permission to run your credit, at which point you’ll be presented with loan options if you’re approved.

The entire process takes about 5 minutes, assuming you have the information mentioned above handy. The initial pre-approval is based on a soft pull of credit, intended to make sure you like the offers before a hard credit inquiry is run.

Loan Types and Terms

Gravity Loans connects you to other lenders for competitive rates and loan terms. Because of that, they don’t list specific loan terms on their site. Regarding loan types, their main product is an auto loan - which you can get for as low as 2.74%. You’re also able to apply for a home improvement loan and coming soon is the ability to get student loans and personal loans.

Gravity Lending doesn’t list specific lending requirements, either, since they’re a marketplace and each lender they work with will have their own lending requirements. However, you will have to enter your employment information, housing information, and your credit will be reviewed -- which will all ultimately determine the rates and terms you’re offered.

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 is about as safe as any other online lender. While they can’t entirely prevent malicious attacks and hacking, they do take every measure they can to protect your secure information. Your information is safeguarded through encryption and firewalls to prevent unauthorized usage. Also, only those who need to see your information will (i.e., lenders willing to give you a loan).

Help & Support

Gravity make it easy to contact them in a variety of ways. First, you can contact them directly by calling 877-822-8404. You can also contact them on social media, including LinkedIn, Facebook, Twitter, and Instagram. Available Monday - Friday 8:00am - 6:00pm.

How Gravity Lending Compares

Gravity LendingLendingTree
Minimum credit score600None
Loan amountsUp to $100,000Up to $300,000
Loan term25 - 84 monthsVaries
Suitable forFast & easy auto loansMultiple loan options


Overall, we’re impressed with Gravity Lending. They’re a newer company (founded in 2015), but already have a stellar rating with the Better Business Bureau and excellent customer reviews. If you’re looking purely for an auto loan and you want a fast and easy process, Gravity Lending is a great choice.

Call Gravity Lending 8662902283

Physical Address

3432 Greystone Dr, Ste 200

Austin, TX 78731

Written by
Chris Muller
Chris has an MBA with a focus on advanced investments and has been writing about all things personal finance since 2015. He’s also built and ran a digital marketing agency, focusing on content marketing, copywriting, and SEO, since 2016. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about Gravity Lending
Excellent • Reviews 1,754
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
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1 day ago
Thank you Lori Croft for the efficient…
Thank you Lori Croft for the efficient service pertaining to my recent auto Loan...I appreciate your professionalism and support throughout the process!
3 days ago
Easy refinance
I used Gravity Lending to refinance by car. Steven was great, he was available to answer all my questions and keep me updated on the process. If you want a quick and easy refinance use Gravity Lending and ask for Steven
Cam Bindhamer
5 days ago
I had a great experience with Gravity…
I had a great experience with Gravity Lending. My loan officer Mary R. Was very helpful and nice. The whole process was very smooth. I enjoyed the team’s hospitality.
Sean O’Connor
5 days ago
Great Experience
I used Gravity Lending for my car refinance. They made the process very easy as well as explaining and answering any and all questions. They lowered my rate significantly along with my monthly payment. Stephanie was a very big help and was very knowledgeable. I would definitely recommend them to others.
Edward Fisler
1 week ago
Vladimir was great at helping me…
Vladimir was great at helping me refinance my car. He helped out a lot and he got me a great rate.