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1,836 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 1,836
on
Excellent
98%
Great
1%
Average
0%
Poor
0%
Bad
1%
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Sharale Bledsoe
1 day ago
A one of a kind experience!
I recently refinanced my car through Gravity Lending, and the experience was absolutely amazing from start to finish. My representative, Ari, was a tremendous help and walked me through every single step with confidence and clarity. His professionalism and charisma immediately made me feel comfortable and assured throughout the entire process. He answered all my questions, kept me informed, and truly made what could have been a stressful situation feel smooth and easy. I highly recommend Ari and the team at Gravity Lending to anyone looking to refinance — you’ll be in great hands.
Tim Hunter
2 days ago
What a great experience
What a great experience. Aaron made the process so easy. He was extremely knowledgeable and proactive in his guidance. Highly recommend Gravity Lending for anyone interested in refinancing their auto loans.
Jerry J
2 days ago
Chat GPT Recommended me to Gravity Lending
I asked Chat GPT to find me a lower interest rate for my auto loan, I also asked for the loan provider to have a 90% or above positive rating with their existing customer. It recommended me to apply to gravity lending, I had never heard of this company, so I called and was assigned to Robert Colby. He provided very good customer service calling me back on every occasion, and I called a lot. I was not an easy customer to deal with; I was extremely skeptical, had lots of questions, not the nicest to talk to, he was calm professional and answered all my question with a positive tone. I was so happy with my results, that I have now recommend several of my family members to contact Robert to improve on their current financial situations. If I ever need to refinance another vehicle, he will be my 1st call, Thank Robert for your strong work!
Teresa Koedam
2 days ago
Dillon E
Dillon E. at Gravity Lending was excellent to work with. Everything went very smooth and efficiently. We secured an excellent rate for our vehicle refinance. Would highly recommend!!
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