Gravity Lending Pros & Cons
Pros
- Strong focus on auto loan refinancing
- Works with a nationwide lender network
- Dedicated loan officers help borrowers compare options
- Free service for borrowers, with no Gravity Lending service fees
- Loan terms may range from 25 to 84 months
- May help borrowers lower monthly payments, reduce APR, or adjust loan terms
- Offers lease buyout and cash-out refinance options
- Can help borrowers add or remove a co-borrower through refinancing
- Supports electronic signatures, e-forms, mobile document upload, and photo ID verification
- Offers optional GAP, vehicle service contracts, depreciation protection, and other vehicle protection products
- BBB accredited with an A+ rating
- Strong Trustpilot profile with a 4.8 out of 5 TrustScore at the time reviewed
Cons
- Gravity Lending is not the lender funding the loan
- Submitting an application can involve a hard credit inquiry
- Final APRs, fees, approval decisions, and repayment terms depend on the lender
- Mainly focused on refinancing, not standard new or used car purchase loans
- Minimum loan balance is listed as $10,000
- Specializes in cars, trucks, and SUVs, so it may be less broad than some competitors
- State fees, title transfer fees, and optional protection products may increase total loan cost
- Lowest advertised rates are reserved for borrowers who meet qualifying credit and state criteria
- Extending the loan term may lower the monthly payment but increase total interest paid
Gravity Lending at a Glance
Suggested editorial score: 8.8/10
Auto Refinance Experience — 9.2/10
Gravity Lending is built around auto refinancing. Its process is designed to help borrowers replace an existing auto loan with a new loan that may offer a lower payment, lower APR, or better term structure.
Loan Officer Support — 9.1/10
Gravity Lending stands out for its human support model. Borrowers work with loan officers who review the application, explain available options, and help move the refinance process forward.
Online Experience — 8.7/10
Borrowers can apply online, upload documents from mobile devices, use e-signature and e-forms, and complete much of the process remotely. This gives Gravity Lending a strong digital experience while still keeping loan officer support available.
Loan Variety — 8.1/10
Gravity Lending is strongest for standard auto refinancing. It also offers lease buyouts, cash-out loans, and co-borrower changes, but it is not as broad as marketplaces that cover new purchases, used purchases, private-party loans, lease buyouts, and refinancing all in one place.
Transparency — 8.5/10
Gravity Lending publishes useful details about loan terms, credit pulls, fees, required documents, savings claims, and APR disclaimers. However, final loan pricing and approval still depend on the lender.
Customer Reputation — 9.0/10
Gravity Lending has a strong reputation profile, including BBB accreditation with an A+ rating and a Trustpilot score of 4.8 out of 5 based on 1,808 reviews at the time reviewed.
Overview
Gravity Lending is designed for borrowers who want to refinance an existing auto loan rather than take out a brand-new purchase loan. Refinancing means replacing the current loan with a new loan, typically to reduce the interest rate, lower the monthly payment, adjust the repayment term, or change the borrower structure on the loan.
The company’s process combines online convenience with loan officer support. Borrowers can apply in minutes, and Gravity Lending says its team evaluates the borrower’s needs, credit situation, and vehicle value before presenting customized options. The company also says it works with a nationwide lender network to help match borrowers with available refinance solutions.
Gravity Lending’s main value is comparison plus guidance. Rather than applying separately with multiple lenders, borrowers can work through one platform and receive help from a loan officer who explains potential loan options. This can be useful for people who are not sure whether refinancing makes sense or who want help comparing payment savings against long-term interest cost.
The company also offers more than standard refinancing. Its website lists auto refinancing, lease buyout, cash-out loans, and optional vehicle protection products. It also has resources for adding or removing a co-borrower, which can be useful after divorce, separation, credit changes, or a shift in household finances.
Who Is Gravity Lending Best For?
Gravity Lending is best for borrowers who already have a car, truck, or SUV loan and want to check whether refinancing could improve their financial situation. It may be a strong fit for drivers who accepted a high dealership APR, borrowers whose credit has improved, or people who want to lower their monthly payment.
It can also be useful for borrowers who want help from a real loan officer rather than a fully self-service platform. Gravity Lending says its loan officers take time to understand the borrower’s financial situation and goals, then review available customized loan options.
Gravity Lending may also be a good option for drivers who want to buy out a lease. The company says it can help borrowers buy out a leased vehicle, potentially avoid a large lease-end balloon payment, and spread the cost over a longer period with financing that fits their situation.
The platform may be less ideal for borrowers who need financing to buy a new or used car from a dealer or private seller. Gravity Lending is primarily a refinance company, so shoppers looking for purchase financing may prefer a broader marketplace such as myAutoloan, Autopay, LendingTree, or Auto Credit Express.
It may also not be the best fit for borrowers who want to avoid a hard credit pull. Gravity Lending’s FAQ states that it performs a hard credit pull when an application is submitted in order to present legitimate credit-based offers.
Key Gravity Lending Features
Gravity Lending’s main feature is auto refinance matching. Borrowers submit an application, and Gravity Lending works with its lender network to help identify refinance options based on credit profile, vehicle value, current loan, and borrower goals.
Another important feature is dedicated loan officer support. After the application is reviewed, a loan officer contacts the borrower to discuss options. This can help borrowers understand the tradeoff between a lower monthly payment, shorter term, lower APR, and total interest savings.
Gravity Lending also promotes a borrower-friendly fee model. Its FAQ says the company does not charge borrowers a fee for its service. The new auto loan may still include the loan amount, title transfer costs, state fees, and optional products such as GAP, vehicle service contracts, or depreciation protection if the borrower chooses them.
The platform also supports lease buyouts. This may be useful for drivers who like their leased vehicle and want to keep it rather than return it, lease another vehicle, or accept dealer-arranged financing. Gravity Lending says its loan officers can guide customers through the buyout process and help find available offers.
Another useful feature is co-borrower flexibility. Gravity Lending explains that refinancing may be used to add a co-borrower to help qualify for better terms, or to remove a co-borrower when someone no longer wants or needs to be responsible for the loan.
Gravity Lending also offers optional protection products, including GAP and vehicle service contracts. These products can help some borrowers manage risk, but they can also increase the financed amount, so borrowers should review the cost and coverage carefully before adding them.
Application Process
The Gravity Lending application process can begin online or by phone. Borrowers provide information about themselves, their current loan, their vehicle, income, insurance, and refinance goals. Gravity Lending then reviews the information and works with its lender network to identify available options.
A typical process may look like this:
- Start the online application or call Gravity Lending.
- Provide personal, contact, vehicle, income, employment, and current loan details.
- Gravity Lending performs a credit inquiry and reviews your eligibility.
- The company identifies lenders that may be a good match for your profile.
- A dedicated loan officer contacts you to discuss available options.
- You compare payment, APR, term length, fees, and total cost.
- If you choose an offer, you provide required documents.
- You sign loan documents electronically or complete required forms.
- Gravity Lending sends the completed package to the new lender for funding.
- Repayment begins with the lender that funds the new loan.
Gravity Lending says required documents may include a valid driver’s license, proof of full coverage insurance, proof of residence if needed, and proof of employment or income if the lender requires it. Vehicle details such as make, model, year, VIN, and payoff amount may also be needed.
Borrowers should understand that being shown options is not the same as final approval. Final approval depends on the lender’s underwriting process, credit history, income, debt-to-income ratio, loan-to-value ratio, vehicle age, vehicle value, required documents, and other lender-specific rules.
Loan Types and Terms
Gravity Lending mainly supports auto loan refinancing for cars, trucks, and SUVs. The company’s FAQ says it specializes in refinancing cars, trucks, and SUVs with a minimum loan balance of $10,000. It also lists available loan terms from 25 to 84 months, with exact terms depending on credit situation, vehicle details, and lender requirements.
Auto refinancing is the core product. This is for borrowers who want to replace an existing loan with a new one, usually to lower the APR, reduce the monthly payment, shorten or extend the term, or change lenders.
Lease buyout financing is available for drivers who want to purchase their leased vehicle. This may be useful when the driver likes the car, wants to avoid returning it, or wants to spread the buyout cost over a longer repayment period.
Cash-out refinancing is listed by Gravity Lending as one of its offerings. This may allow qualified borrowers to use vehicle equity to receive cash while refinancing, though it can increase the loan balance and total cost.
Co-borrower changes may also be possible through refinancing. Borrowers may add a co-borrower to improve qualification strength or remove a co-borrower when the borrower wants to restructure responsibility for the vehicle loan.
Gravity Lending advertises rates as low as 3.89% APR for a representative refinance example, but that advertised rate is based on state availability and qualifying credit criteria, including a FICO score of 740 or higher for a 36-month term. Actual APRs may vary based on credit profile, vehicle year, debt ratio, loan length, and loan-to-value ratio.
Borrowers should compare the APR, monthly payment, term length, fees, total repayment amount, optional products, and whether the refinance truly saves money. A lower monthly payment can be helpful, but if it comes from extending the loan term, the borrower may pay more interest over time.
Is Gravity Lending Safe?
Gravity Lending appears to be an established auto refinance company. The Better Business Bureau lists Gravity Lending as BBB accredited with an A+ rating, notes that the business started and incorporated on November 20, 2015, and describes its services as auto loan refinancing, including comparing rates from multiple lenders and assisting clients through online applications and personalized loan options.
The company’s BBB profile lists Gravity Lending as a limited liability company and identifies Wildhorse Financial Services, LLC as an alternate name. The BBB profile also lists the business address in Austin, Texas.
From a borrower perspective, the main thing to understand is that Gravity Lending works through lender partners. This means your information may be used to evaluate refinance options and may be shared with lenders involved in the process. Gravity Lending’s website also states that its application process is encrypted and that borrowers can use electronic forms, e-signature, mobile upload, and real-time photo ID verification.
As with any auto refinance platform, borrowers should carefully review all final documents before signing. Confirm the APR, monthly payment, term length, total loan amount, title transfer costs, state fees, optional protection products, old-loan payoff amount, and first payment due date.
Repayment Options
Repayment is handled by the lender that funds the new loan, not by Gravity Lending. Once the refinance is completed, the borrower makes payments directly to the new lender according to the final loan agreement.
Before signing, borrowers should confirm the first payment due date, available payment methods, autopay options, late payment policies, payoff instructions, and whether any prepayment penalties apply.
Borrowers should also continue making payments on the current auto loan until the refinance is fully completed and the old lender confirms payoff. There can be a timing gap between signing the new loan documents and the previous lender receiving the payoff. Missing a payment during that transition could lead to late fees or credit damage.
Gravity Lending advertises that some customers may be able to skip a payment for up to 90 days, but borrowers should review the actual lender terms carefully. Delayed first payments can help short-term cash flow, but interest may still accrue depending on the final loan agreement.
Customer Reviews and Reputation
Gravity Lending has a strong online reputation. Trustpilot lists Gravity Lending with a 4.8 out of 5 TrustScore based on 1,808 reviews at the time reviewed. Trustpilot also shows 98% of reviews as 5-star reviews and says the company replies to 71% of negative reviews, typically within one week.
Positive reviews often mention helpful loan officers, strong communication, lower rates, and an easy refinancing process. Trustpilot’s review summary says customers frequently praise Gravity Lending staff for being professional, patient, and helpful, and many reviewers mention a smooth and stress-free process.
Negative reviews tend to focus on issues such as communication delays, frustration with follow-up, unmet expectations, or dissatisfaction with the final process. These complaints are common in refinance marketplaces because multiple parties may be involved, including Gravity Lending, the selected lender, the previous lender, title offices, and state agencies.
The BBB profile also supports Gravity Lending’s established reputation. BBB lists the company as accredited with an A+ rating and says it has been in business for 10 years at the time reviewed.
Overall, Gravity Lending has a strong reputation for an auto refinance platform, especially among borrowers who want loan officer support. Borrowers should still compare final loan terms carefully and make sure the refinance provides real value after fees, term changes, and optional products are included.
Help and Support
Gravity Lending provides support by phone, email, and online contact form. The company lists 888-602-1125 as its main phone number and loans@gravitylending.com as its email address. Its contact page lists support hours as Monday through Friday from 7:00 a.m. to 6:00 p.m. CST, Saturday from 9:00 a.m. to 1:00 p.m. CST, and Sunday closed.
The website also lists technical support at technicalsupport@gravitylending.com and provides educational pages about auto refinancing, required documents, vehicle titles, lease buyouts, co-borrower changes, GAP, vehicle service contracts, depreciation protection, and other related topics.
Once the new loan is funded, lender-specific questions should go directly to the lender servicing the loan. This includes billing, account access, payment due dates, payoff requests, autopay setup, and loan servicing issues.
How Gravity Lending Compares
Gravity Lending
Best for borrowers who already have an auto loan and want a guided refinance experience with loan officer support. Gravity Lending is especially useful for drivers who want to compare lender options, reduce monthly payments, adjust loan terms, buy out a lease, or add or remove a co-borrower.
iLending
Best for borrowers who want a consultant-led refinance process and support for a wider variety of vehicle types, including cars, trucks, SUVs, vans, motorcycles, RVs, ATVs, and boats. iLending may be broader by vehicle type, while Gravity Lending is stronger for borrowers focused on cars, trucks, and SUVs.
RateGenius
Best for borrowers who want auto refinance comparison through a large lender network. RateGenius has a long operating history and strong refinance tools, while Gravity Lending emphasizes loan officer guidance and a no-service-fee borrower model.
Autopay
Best for borrowers who want a broader auto finance marketplace that includes refinancing, purchase financing, lease buyouts, and cash-out refinancing. Autopay is broader in product variety, while Gravity Lending is more refinance-focused.
Caribou
Best for borrowers who want a digital-first refinance platform with online offer comparison. Caribou may appeal to users who want a fast self-service experience, while Gravity Lending may be better for borrowers who want more loan officer involvement.
RefiJet
Best for borrowers who want guided auto refinancing with dedicated representative support. RefiJet and Gravity Lending are both refinance-focused, but Gravity Lending stands out for its strong Trustpilot rating and emphasis on no hidden fees or rate markups.
Auto Approve
Best for borrowers who want consultant-supported refinancing or lease buyout financing. Auto Approve and Gravity Lending are similar in their guided approach, though Auto Approve has broader brand recognition in lease buyout and refinance comparison lists.
Tresl
Best for borrowers who want advisor-supported refinancing, lease buyout financing, or company car purchase financing. Tresl is broader for lease and company-car transactions, while Gravity Lending is more focused on auto refinance and related products.
Lease End
Best for drivers who specifically want to buy out a leased vehicle and avoid dealership friction. Lease End is more specialized for lease buyouts, while Gravity Lending offers lease buyout support as part of a wider refinance-focused model.
myAutoloan
Best for borrowers who want to compare several auto loan types, including new car loans, used car loans, refinancing, private-party loans, and lease buyouts. myAutoloan is broader, while Gravity Lending is more focused on refinancing existing vehicle loans.
Auto Credit Express
Best for borrowers with bad credit, no credit, bankruptcy, or previous loan rejections who need help finding a special finance dealer. Auto Credit Express is more purchase-financing-focused, while Gravity Lending is focused on improving existing auto financing.
Banks and Credit Unions
Best for borrowers who want to work directly with the institution funding the loan. Banks and credit unions may offer strong rates, especially for existing customers or members, but borrowers usually need to apply separately and manage more of the comparison process themselves.
Overall, Gravity Lending’s biggest advantage is its loan-officer-supported refinance process and borrower-friendly service model. Its main limitation is that it is not a full auto loan marketplace for every type of car financing need.
Final Verdict
Gravity Lending is a strong option for borrowers who want to refinance an existing auto loan with support from a dedicated loan officer. Its nationwide lender network, digital application process, electronic document tools, and strong customer reviews make it a competitive choice in the auto refinance space.
The platform is especially useful for drivers who want to lower their monthly payment, reduce their APR, change their loan term, buy out a lease, or add or remove a co-borrower. It may also appeal to borrowers who want a more personal process than a fully automated marketplace provides.
That said, Gravity Lending is not a direct lender. Final approval, APR, fees, loan term, repayment options, and servicing depend on the lender that funds the loan. Borrowers should also be aware that applying can involve a hard credit inquiry.
Bottom line: Gravity Lending is worth considering if you already have a car, truck, or SUV loan and want a guided refinance experience. It is best used as a refinance comparison and support platform, not as a general car purchase loan marketplace or guaranteed lender.
Physical Address
Gravity Lending
3800 Quick Hill Road
Building 2, Suite 200
Austin, TX 78728
United States
Phone: 888-602-1125
Email: loans@gravitylending.com
Technical Support: technicalsupport@gravitylending.com