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1,794 Reviews

Gravity Lending Review

Written by
Chris 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.

November 13, 2025

1 min

gravity-lending
866-290-2283

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 4.49% 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

Gravity Lending At a glance

9.6
Editorial Score

Online 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 LendingLendingTree
APR

From

4.99%

From

Varies

Minimum credit score630None
Loan amountsUp to $100,000Up to $300,000
Loan term36 - 94 monthsVaries
Suitable forFast & easy auto loansMultiple 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.

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Trustpilot reviews
See what some customers are saying about Gravity Lending
Excellent • Reviews 1,794
on
Excellent
98%
Great
1%
Average
0%
Poor
0%
Bad
1%
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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Andrew Casciani
12 hours ago
Aarron did a great job at helping me…
Aarron did a great job at helping me refinance my auto loan, made the process incredibly easy and was able to get me the best rate. Highly recommend him.
jack septon
2 days ago
Great customer service and fast…
Great customer service and fast processing. Paul was very helpful!! They did prompt and efficient service!
BA
Brenden Arenivar
2 days ago
Quick, professional, simple auto refinance …
I purchased a vehicle in January 2025 and was offered a 7.4% interest rate even with exceptional credit. I have gone through the refinance process 2 separate times with two different companies prior to using Gravity lending and was given the run around all to be told I could save .25%. Sr. Loan Officer Yacob Yosief with Gravity Lending listened to my needs and moved quickly with my vehicle refinance. The process was simple and was all completed on my mobile device. I highly recommend their services. I will be refinancing another vehicle that I own with them this week.
Jaesun Won
3 days ago
Fantastic Experience
At first I went into this with skepticism since Gravity Lending isn't an actual lender but my rep Ed K. was very professional and helped me every step of the way. He found me a lender that was able to lower my monthly payment on my auto refinance at a much lower monthly APR. I recommend them with no reservations.
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