Gravity Lending | Auto Loan

4.4

Gravity is an online lender marketplace for auto loan refinancing, offering flexible payment options and easy home-based shopping.

Loan Details

Loan Amount $10,000-$125,000
APR From 3.89%-14.99%
Min Credit Score 640

Rates by Type

Estimate My Payment

	Refinancing	Lease Buyouts
APR	3.89%-14.99%	3.89%-14.99%
Loan Amounts	$10,000-$125,000	$10,000-$125,000
Loan Terms	25-84 months	25-84 months

Disclaimer: We are an independent information site, not an insurance company. All figures are estimates for comparison only; table data represents full coverage premiums. Please verify final quotes and terms directly with the insurer.

Pros & Cons

Pros

No upfront fees when comparing lenders.
Apply online and upload documents easily.
Delay payments up to 90 days, with interest.
Available in all 50 states, with co-borrower options.

Cons

Funding may take 10 days or more.
Refinancing needs a $10,000 minimum balance.
Maximum rates for lower-credit borrowers are unclear.
Lender fees like origination or late fees may apply.

Eligibility

Each lender in the Gravity network has its own approval requirements. Gravity Lending lists a few eligibility criteria:

Minimum credit score: At least 640
Minimum loan amount: $15,000

Application

Apply Now

You can apply online to refinance your auto loan or buy out your lease. However, Gravity Lending is not a direct lender; instead, it matches you with lenders you may be eligible to borrow from. After a soft credit pull, you will be matched with a loan officer who will help guide you through the loan process.