Gravity Lending Review

ByChris MullerDec. 31, 2020
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In a Nutshell

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 from the comfort of your home, Gravity Lending may be a very good option for you.


  • Rates as low as 1.99%
  • Fast application process
  • Simple lending terms


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

Gravity Lending at a Glance

Direct lender or marketplace? Marketplace
Loan types Auto Refinance
Loan amount Up to $100K
Repayment terms 25-84 months
APR From 
Minimum credit score 600+
Suitable for Fast auto loan refinancing

Call Gravity Lending 8778228404

Suitable For?

Gravity Lending is suitable for those who want a quick and easy process to refinance their auto loan. 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 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 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 1.99%. 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
APR From 
3.49% - 4.27%
Minimum credit score 600 None
Loan amounts Up to $100,000 Up to $300,000
Loan term 25 - 84 months Varies
Suitable for Fast & easy auto loans Multiple 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 8778228404

Physical Address

3432 Greystone Dr, Ste 200

Austin, TX 78731

Gravity Lending customer testimonials

ExcellentReviews 65
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  • author
    Michael Salinas
    Jan 14, 2021
    Auto refinance

    Auto refinance was so easy. Vivian Fox was amazing in completing the process She was really helpful and the best part is I saved money. I will use them again in the future


  • author
    Gannicus kc
    Jan 11, 2021
    It's hard to earn my trust but gravity…

    It's hard to earn my trust but gravity lending were straight forward and honest with me . Angelica cruz made a difference and made the process as smooth as a picnic.


  • author
    Pamala Scott
    Jan 08, 2021
    Super easy experience and they were…

    Super easy experience and they were great about making time to contact me in windows that worked for my schedule. They had three best rates across several companies and answered every question I had promptly.


  • author
    Jan 08, 2021
    Easy, simple, and got it done quickly!

    Gravity made sure to understand the situation, take my needs into account, and got it done where others couldn't - all around the holidays, and in record time. Absolutely will use them again if needed!


  • author
    Paige Perez
    Dec 31, 2020
    So easy!

    I had Servando Avila as my loan officer to help me refinance my vehicle and he was incredibly helpful. It was difficult at first for me to find a loan since I have been unemployed and just recently started my new job but Servando made the process really easy and was able to lower my APR, reduce my monthly payment, AND I didn’t have to extend my loan term! He was quick to answer my emails and questions and handled it all for me. Overall a great experience and I recommend using them!


Gravity Lending