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Gravity Lending Review

Gravity Lending is a Texas-based fintech company that works with multiple lending partners to help refinance auto loans across the country. Gravity Lending also offers lease purchases, vehicle protection plans, and other products.

ProsCons
Soft Credit Pull for QualificationRates Change Quickly
Complete on any deviceLoans greater than $10,000 only
No Fees & Cash Back Programs available*Car must be newer than 10 years
Cash Back only available from certain lenders, ask your Loan Specialist

Types of Car Refinancing Offered by Gravity Lending

Gravity Lending offers auto loan refinancing for all types of vehicles. Cars, Trucks and SUVs qualify for most Credit Unions and other lending partners. A minimum loan balance of $10,000 is usually wanted to prequalify for refinancing.

How the Refinance Process works with Gravity Lending?

Gravity Lending may help you refinance your existing car loan for a lower rate or a lower payment through its partners. Lowering your interest rate will reduce the total amount you owe on your loan. The process can be completed online by filling in your car’s year, make, model, mileage and current monthly payment on any device using the simple application. Next they will ask you to provide some basic personal information. Gravity Lending starts with just a soft credit check to pre-qualify application.

If you meet the prequalification to refinance your car loan then they will contact you to let you with the details and what type of documentation they will want. These include proof of employment, residence and car insurance. Once your application has been reviewed, a loan specialist will contact you.

Once you agree on your new loan term and payment, you can electronically sign your documents on any device and a Gravity Lending Loan Specialist will finish up the process.

Enjoy Saving! Get Started with Gravity Lending