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RefiJet vs. Gravity Lending Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Car Loans

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Car Loans

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Good For
Offers For Low Credit Score
Good For
Fully Online Application Process
APR

5.29-22.00%

APR

5.99-14.99%

Repayment terms
24-96 months
Repayment terms
25-84 months
Min Credit Score
580
Min Credit Score
580
Loan Amount

$5K-$100K

Loan Amount

$10K-$200K

Lender Type
  • Marketplace
Lender Type
  • Marketplace
Prepayment Fee
None
Prepayment Fee
None
Refinance APR

Min 5.29%

Refinance APR

Min 5.99%

Soft Credit Pull
Yes
Soft Credit Pull
Yes
Pros
  • Prequalification with soft credit check available
  • Low minimum credit score
  • Can buy out your lease
  • Some lenders offer automatic payment discounts
  • Cash-out refinances available
Pros
  • Charges no fees
  • Only works with reputable lenders
  • Available in all 50 states
  • Offers very competitive APRs
Cons
  • cons Lack of full online application
  • cons Vehicles older than 10 years not eligible
  • cons $395 origination fee
Cons
  • cons Does not accept applicants with poor credit
  • cons Not a direct lender
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