Gravity Lending Review Overview Gravity Lending is an online auto loan refinancing marketplace that was founded back in 2015. It is headquartered in Austin, Texas, and is currently available in all 50 states. This is a great option if you want to obtain good refinancing through a simple and fast application. A good thing about it is that it also accepts joint applications, trucks, and even vehicles that are older and have more miles. According to them, on average, most of their clients save up to $121 per month thanks to the refinancing obtained through Gravity Lending. Gravity Lending at a Glance Editorial Score 4.4 Online Experience 4.5 It offers a few resources but has no mobile app. Loan Types 4 Gravity Lending offers auto refinance loans, student loans, and tax lien loans. Eligibility 4 People with low credit scores are not eligible. Client Support 5 It provides good customer support with accessible working hours. Repayment Flexibility 4.5 Its repayment terms range from 24 to 84 months but depend on each lender. Who is it suitable for? In case you are one of those people who would rather not waste entire hours searching and comparing auto refinance options and would love to get only the best available offers in one place, Gravity Lending is definitely for you. Its application process is fast and simple, its network of lenders is wide which means that you still have multiple options to pick from, and its customer support system has been praised by clients. Features As previously stated, Gravity Lending offers auto refinancing loans along with student loans and tax liens loans, and even credit cards. Probably its most interesting feature is its super simple and quick application procedure that only takes minutes. Plus, the variety of lenders in the platform’s portfolio allows clients to receive only the most affordable options and those that suit their needs and preferences. Other attractive features of the company include Guaranteed Asset Protection (GAP), Vehicle Debt Protection, Depreciation Protection, Vehicle Service Contract (VSC), and a Vehicle Protection Plan. The website also comes with some resources, a glossary, and a FAQ page which may prove useful for all possible future clients. Application Process Because Gravity Lending is not a direct loan lender itself, this is not actually an application process but more of a way for the platform to send you the best loan offers for your situation. Here is what it consists of: · Fill out the form on the official website with your details and make sure that they are correct; · Enter the loan request information such as your vehicle model, make, year, mileage, etc.; · Up next is an application that will request more detailed personal information such as your Social Security Number, date of birth, employment info, and residential info; · Last but not least, make sure that you carefully read all of the disclosures and that you give the company permission for a soft credit check that won’t affect your credit score; · You should start receiving multiple loan options once this process is done. Loan Types and Terms Gravity Lending offers auto refinancing loans along with student loans and tax liens loans and even credit cards. However, seeing as it is not a direct lender but only a marketplace, details like the exact repayment terms, rates, and loan amounts will depend on your chosen lender. Still, in order for you to make a general idea, the repayment terms for the lenders on Gravity Lending’s network range between 24 and 84 months. Also, the APR rates start at 1.99%, the minimum required monthly income should be at least $1,800, and the loan amounts that you can borrow are between $10,000 and $100,000. In general, you should have a credit score of over 640 in order to get good rates. Your vehicle should not be older than 2010 and should have 150,000 miles or under. How Safe Is It? Gravity Lending is one of the safest online loan marketplaces out there with a perfect 5-star rating on TrustPilot and an A+ one from the Better Business Bureau. The company protects your data as much as possible and employs industry-standard security protocols. So, far, there have been no complaints about Gravity Lending and most online reviews praise its professionalism, speed, and customer support. So, this is definitely a safe platform that you can trust with your data. Help & Support Anyone can contact Gravity Lending for any issue by calling at 888-602-1125 Monday to Friday from 8 AM to 6 PM. Customer support is not available during the weekends. Another way in which you can contact the company is by sending an e-mail at loans@gravitylending.com and stating your problem. You should wait for a representative to contact you back as soon as possible.There is also a contact form on the official website which anyone can fill out with their details and a description of their issue. A staff member will get back to you as soon as they are available.Lastly, the company also has numerous social media platforms which you can follow. Summary All in all, Gravity Lending, while not offering auto refinance loans itself, is a very good option for when you want to have the best offers sent to you directly. Despite being a relatively newer platform, it has quickly gained a following thanks to its professionalism. Also, it has probably some of the best online ratings and reviews out of most similar platforms. Finally, its application process is quick and easy, its network of lenders is vast, the website has numerous resources and tools, and its customer support system is top-notch. Physical Address 1835 Kramer Lane, Building B Suite 2-150, Austin, TX 78758 US

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