Gravity Lending Review

ByBestmoney StaffNov. 15, 2020

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In a Nutshell

Gravity Lending is an online marketplace that connects you with other lenders for the best rate 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 1.79%
  • Fast application process
  • Simple lending terms


  • Not a direct lender
  • No information on loan terms and conditions

Gravity Lending at a Glance

Direct lender or marketplace? Marketplace
Loan types Auto, Home Improvement
Loan amount Varies
Repayment terms Varies
APR From 1.79%
Minimum credit score Not listed
Best for Fast auto loan refinancing

Visit Gravity Lending

Best For?

Gravity Lending is best 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 to the best rate and terms they can, based on your credit profile. Plus, Gravity offers lending for other solutions such as home improvements, student loans, and personal loans (note: personal and student loans are coming soon).


Gravity Lending offers auto loans and home improvement loans today. Coming soon is the ability to get student loans and personal loans, too. To start, you’ll get some of the best rates and simplest terms on the market. This is because Gravity connects you to a variety of other lenders who compete for your business -- putting you in the driver’s seat of selecting the best loan option for you. 

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. Know your credit will be run -- this is not a soft pull to check a rate as some lenders offer, but a hard pull and an application for credit.

Loan Types and Terms

Gravity Loans connects you to other lenders for the best 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 1.79% APR. 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 Loans 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 doesn’t list their hours of operation on their website, but they make it easy to contact them in a variety of ways. First, you can contact them directly by calling 888-602-1125. You can also contact them on social media, including LinkedIn, Facebook, Twitter, and Instagram.

How Gravity Lending Compares

APR From 1.79% From 3.43%
Minimum credit score Varies None
Loan amounts Up to $100,000 Up to $300,000
Loan term 25 - 84 months Varies
Best 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.

Physical Address

3432 Greystone Dr, Ste 200

Austin, TX 78731

Visit Gravity Lending

Gravity Lending customer testimonials

ExcellentReviews 88
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  • author
    E.J. McKinney-Perez
    2 days ago
    If I could give Gravity lending a 5++ star rating I would do that in a heartbeat

    If I could click on a 5++ star rating I would do that in a heartbeat! The huge snow storm in Texas hit during our refi of our 2 vehicles and our loan officer and Gravity lending never missed a beat. In fact even when our package got delayed by 10 days when the state was practically shut down for a week, our loan officer was still in communication with us (almost daily) to keep us posted on what was happening. They delivered on every promise they made and their response time was exceptional. I would recommend them to anyone, period! Thanks James and the team at Gravity for such a great experience.


  • author
    Emmanuel Moreno
    4 days ago
    Great customer service

    They go the extra mile to help your needs. They never pressure you to do anything and that's what I loved about it. The different options on savings is awesome and how they explain it is great. 100% satisfied and recommended


  • author
    Hari Pillai
    Feb 24, 2021
    Great people to work with

    Great people to work with! I couldn't believe how simple it was to refinance our car with the best rate we could get. Great help from Matt Larner. He walked us thru all the details and everything was very transparent. The best part about Matt was his regular update at each stage of processing. Thanks.


  • author
    David B
    Feb 24, 2021
    2nd Refi w/ Gravity

    The loan process with Matt at Gravity Lending was smooth and seamless. This was our second car to refinance with Gravity, and we'll definitely use them in the future!


  • author
    Maggie Rodriguez
    Feb 23, 2021
    Joe Daniel went out of his way to help…

    Joe Daniel went out of his way to help me out with my refinance. He gave a better deal.