We receive advertising fees from the brands we review that affect the ranking and scoring of such brands.
Advertiser Disclosure

Gravity Lending Reviews


bestfor-icon Easy auto loan refinance

Written by Steven Walters

About Gravity Lending | Read More


LS Score







Visit Site
Opening Hours Opening Hours drop-down-btn
Mon-Fri 8:00am - 6:00pm CST
Sat 8:00am - 5:00pm CST
Sun Closed
Contact Information Contact Information drop-down-btn
  • loans@gravitylending.com
  • 888-804-0537
  • 1835B Kramer Lane Suite 2-150 Austin, TX 78758
Social Media Social Media drop-down-btn

Gravity Lending Auto Loans Review

Gravity Lending mainly focuses on providing people with a marketplace where they can assess the best auto loan refinance options around today. You can get access to many different types of loans, allowing you to get the best deal possible for your situation.

Gravity Lending Auto Loans Highlight


Min Credit Score


APR. Fixed Rate


Loan Amount

25-84 months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

7 days

Funding Time

Auto Loan Refinance

Min 5.99%

APR. Fixed Rate


Refinance Amount

Pros & Cons

  • con-icon Charges no fees
  • con-icon Only works with reputable lenders
  • con-icon Available in all 50 states
  • con-icon Offers very competitive APRs
  • con-icon Does not accept applicants with poor credit
  • con-icon Not a direct lender

Auto Loan Types

  • Lease Buyouts
  • Auto Refinance Loans
  • Cash-out Refinance Loans

Vehicle Types

  • Car
  • Car loans refinance

Gravity Lending Auto Loans Terms & Requirements

Gravity Lending is a marketplace, so the exact terms of the loans are going to vary depending on which lender you are considering. However, there are some general terms that you can take into account.

The loan amounts will range between $10,000 and $150,000, while the term lengths start at 25 months and go as high as 84 months. Generally, you will need a credit score of at least 620 to get a loan.

Gravity Lending does not currently deal with commercial vehicles or those that have mileage in excess of 150,000 miles. While Gravity Lending does not charge any fees for using its service, the specific lender you choose will often have its own range of fees.

Qualification Requirements

  • Credit score of at least 620
  • At least $1,800 in monthly income
  • Social Security Number
  • Vehicle has no more than 150,000 miles
  • No commercial vehicles allowed

Required Information

  • Credit history
  • Financial history
  • Vehicle info
  • Copy of government-issued ID
  • Social Security card
  • Proof of residence
  • Proof of income

Application Steps & Time Frames

The process of checking out the different auto loan refinancing options you have when searching through Gravity Lending only takes a couple of minutes. You just answer some basic info like your credit score, the loan amount you seek, and some basic vehicle details. Only a soft credit pull occurs at this point.

You will then be presented with the different loan options from the various lenders. If you like the look of a certain loan offering, you can then go ahead and submit your official application. This process will usually require you to provide detailed information about yourself and the vehicle, as well as supply documents to back up what you are saying.

A hard credit check will be necessary at this stage of the process. Approval for loans often happens instantly, with the time to funding varying by the lender. It will often be a 1-7 day time to funding period.

State Availability

- Available in all states

Steve has been writing in the financial products space for over a decade, with interests ranging from personal loans to investing. He is also deeply into the blockchain space. In his free time, you can find him in the kitchen preparing delicious meals, or outside hiking and biking.



What are the typical loan term lengths you can get through Gravity Lending?

The typical term lengths of the loans will be between 25 and 84 months.

Does Gravity Lending charge any fees?

Gravity Lending does not directly charge you any fees. It makes money by getting a cut of the profit if you end up taking out a loan with one of the marketplace’s displayed lenders.

How long does it take to get funding?

It depends on the specific lender you end up choosing from the Gravity Lending marketplace. Typically, you can expect to get your loan funds in 1-7 business days.

Customer Support

Gravity Lending provides a helping hand to people who are looking to refinance their auto loans. There are many useful resources on the website that can walk you through the process. The phone lines are open six days a week, allowing you to talk directly with an experienced professional.

Email and live chat are other viable methods for you to contact the support team. Responses are of the highest order, which means that you can minimize the time it takes to get your hands on an auto loan.

Privacy & Security

Gravity Lending has a good reputation in the auto loans space of being a very reputable operator. It has an A+ rating from the Better Business Bureau and some stellar ratings from its customers. Everything points towards Gravity Lending being one of the very best in the online auto loans marketplace sector.

It also makes sure to always fully protect the data that has been shared. This is achieved by having very secure transmission systems that encrypt all communication made through the website. Gravity Lending has proven time and again that it really cares about providing the safest experience possible for users.

In Conclusion

Gravity Lending is one of the very best options around today if you are looking to compare different auto loan refinancing options. It works with leading auto loan providers, having a proven track record of success. You can find the exact loan to meet your specific needs with minimal hassle. 

Brand Disclaimer

You agree that You will use Gravity Lending Credit Monitoring Services only for your own behalf. You will be responsible for all use of your membership number and must notify Gravity Lending immediately of any unauthorized use of your membership number, or the theft or misplacement of your membership number.

You understand that by enrolling in the Gravity Lending Credit Monitoring Services service, You are providing “written instructions” in accordance with the federal Fair Credit Reporting Act, as amended (“FCRA”), for Gravity Lending and its service providers, which may include CSIdentity Corporation (“CSID”), to obtain information from your personal credit profile from Experian, Equifax, and Transunion, the three major credit reporting agencies. You authorize Gravity Lending and its service providers to use your Social Security number to access your personal credit profile, verify your identity, and to provide credit monitoring, reporting and scoring products.