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Gravity: 2023 auto loan review Published 2023-01-27 15:21:19

Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the details of borrowing money to purchase a car.

Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since the end of 2022. He values the clarity of his reporting, which helps readers easily find deals and make the most appropriate choices regarding their finances. He specializes in small business and auto loans.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial decisions by offering interactive financial calculators and financial tools, publishing original and objective content. We also allow users to conduct research and analyze data for free – so that you can make financial decisions with confidence. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The products that are featured on this site are from companies who pay us. This compensation could affect how and where products appear on this site, including, for example, the order in which they may appear in the listing categories and other categories, unless prohibited by law. This applies to our loan products, such as mortgages and home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews you see on this site. We do not include the universe of companies or financial offerings that could be available to you.

About our reviews Editorial disclosure: All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and are not reviewed or accepted by any advertiser. The information such as rates and charges provided in the review are accurate as of the date of the review. Check the data in the upper right hand corner of the page as well as the lender’s website for the most recent details.

At a look 3.6 Score: 3.6 stars out of 5

Bankrate Score

Rating of Availability: 3.8 stars out of 5

Affordability Rating: 4 stars out of 5

The Customer Service Rating is 3.4 five stars from five

Transparency Rating: 5 stars out of 5

Find out about auto loan rates

The amount of the loan is of $10,000 to $125,000

Min. credit score of 500

APR starting at 5.34%

Funds available in 10 days

Pros and cons of Gravity for certain people, the advantages of a seamless application might not be enough to offset the possible long timeframe for funding.

PROS No fees

Application online

Delayed payment schedule

CONS funding timetable

Refinancing limitations

Gravity is an auto loan marketplace enabling borrowers to review the top refinance rates on the internet and within just a few minutes. The simple application can be done over the phone or online and only will require drivers to upload their car documents and agree to an existing loan. With the ability to apply online and loan assistance from an officer refinancing your car or purchasing a lease with Gravity is a seamless process that is perfect for those who want a helping hand.

Do you qualify? Each lender in the Gravity network has specific requirements to be approved, but you should consider the following guidelines before applying. Credit score. To be eligible, you need to have a rating of 500. If your credit score is not as good, look into bad credit auto loans. Income. Although Gravity doesn’t disclose specific income limitations, it’s most likely that loan providers will look at a certain amount since disclosure of employment is mandatory. Vehicle. Some lenders will not lend to ride-share vehicles, older models of vehicles, or for large one-ton vehicles. What we like and what we don’t like Think about the totality of the features Gravity has to offer before signing off on the loan. We love that there are no charges. Gravity doesn’t impose any fees. Application online. Borrowers are able to upload documents and apply fully online. Delayed payment schedule. Gravity allows borrowers to delay payments as long as 90 days. We don’t like the funding timeframe. Although approval is possible in the same day you apply, funding can take up to 10 days or more. Refinancing limitations. To refinance using Gravity you must have at least a loan amount of $10,000. How to contact Gravity Support to inquire about your Gravity loan can be done over the phone or online Monday through Friday between 8 a.m. to 6 p.m. Specific questions can be uploaded on the internet or emailed to . Gravity’s website has an extensive FAQ section. Auto loan types offered The Gravity marketplace offers borrowers choices for auto loan refinance and lease buyout. You can borrow anything from $10,000 to $125,000. While rates and terms vary by each lender partnership, the borrower will receive terms between 25 and . Gravity also offers the option for drivers to add or eliminate co-borrowers. The choice to add or remove depends on the situation, however, this could potentially provide you with better terms.


Loan quick facts Amounts: $0 to $125,000. Terms: 25 to 84 months APR: 5.34% to 14.99 percent

Drivers looking to lower their monthly payments or adjust loan terms can refinance using any of the lending institutions within the Gravity network. When exploring refinance options consider a loan to ensure you are saving cash in the end. Lease buyout

Quick facts about loans: $0 to $125,000. Terms: 25 to 84 months APR: 5.34% to 14.99%

The option of buying out your current car lease is an excellent way to keep your current wheels and reduce the potential for high car costs. How do you apply for an loan through Gravity You are able to apply for one of Gravity’s loan products from its website, with the possibility to apply for prequalification. After a soft credit pull the applicant will be paired with a loan agent who will help with the loan procedure. After being matched with one of Gravity’s national lenders You can apply at no cost, for the loan suggested. It is possible to complete the process completely on the internet. After that, you’ll be able to go over the new loan conditions and decide whether you’d like to reduce or extend the loan term, if you’re refinancing.

The information required for application must be valid: Valid driver’s licence Proof of auto insurance Documentation of residency Social Security number Information about the vehicle Proof of employment Proof of income

Gravity FAQs

Are Gravity a reputable business? Yes, the firm has the A+ BBB Rating & Accreditation and five stars with a perfect score in Trust Pilot Reviews.

Does Gravity lending conduct the hard credit pull? Although Gravity doesn’t conduct any kind of credit pull, its partnered lenders will likely do so before the final loan approval. Gravity employs a soft pull to gather your credit information without damaging your credit score.

How does prequalifying for an loan different from preapproval? Prequalification can give you a firm idea of what to be expecting for your monthly payments. Preapproval, also known as an unlocked rate that is that is based on a credit pull.

How does Bankrate rate Gravity

Overall Score




Gravity has a large collection of lenders, however they do carry a high threshold loan sum for borrowers.



Gravity has quite competitive APRs and there are no additional fees from the comparison site.

Customer Experience


Gravity offers customer support only on weekdays and has a long funding timeline.



Gravity offers both rates and fees online and offers prequalification.

Methodology For evaluating lenders who focus on auto refinance loans, Bankrate considers 16 various factors. The factors are based on in relation to loan amount, the APR disclosed and acceptance criteria. Each lender holds a score that is based on four different categories. The availability category includes loan amounts, restrictions on vehicles and their availability in every state. Accessibility: This section discusses expected APR, acceptance criteria discounts for autopay, and the number of fees. Customer experience: This section includes accessibility to online services, availability of support along with funding timelines, options for automatic payments and app availability. Transparency: Here , prequalification and the disclosure of fees and rates are accounted for.

Disclaimer The reviews are written by Bankrate.com staff. The opinions expressed are solely the opinions of the reviewer and have not been reviewed or acknowledged by any advertiser. The information that is included, including rates and fees that are included in the review is accurate at the time that the review was written. Review the information on the right and the lender’s site for the most recent details.

Written by

Rebecca Betterton

Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the ins and outs of securely using loans to buy the car they want.

Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate from late 2022. He believes in the clarity of his reporting, which helps readers confidently find deals and make the most appropriate choices regarding their finances. He specializes in small and auto loans.



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How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods or services, or by you clicking on certain hyperlinks on our website. Therefore, this compensation may affect the way, location and in what order items appear in listing categories and categories, unless it is prohibited by law. This is the case for our mortgage, home equity and other home loan products. Other factors, such as our own website rules and whether or not a product is offered in the area you reside in or is within your self-selected credit score range can also impact how and where products appear on this website. Although we try to offer an array of offers, Bankrate does not include details about every credit or financial product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |


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