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Gravity: 2023 auto loan review

2023-01-27 15:21:19

At a glance

Rating: 3.6 stars out of 5

Bankrate Score

  • Availability
    Rating: 3.8 stars out of 5
  • Affordability
    Rating: 4 stars out of 5
  • Customer Experience
    Rating: 3.4 stars out of 5
  • Transparency
    Rating: 5 stars out of 5
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About Gravity

  • Moneybag

    Loan amount

    $10,000 to $125,000

  • Credit Good

    Min. credit score


  • Rates

    APR from


  • Funds available in

    10 days

Gravity pros and cons

For some, the benefit of a seamless application may not outweigh the potential long funding timeline.


  • Checkmark

    No fees

  • Checkmark

    Online application

  • Checkmark

    Delayed payment schedule


  • Close X

    Funding timeline

  • Close X

    Refinancing restrictions

Gravity is an auto loan marketplace enabling borrowers to compare top refinance offers online and in minutes. The simple application can be done over the phone or online and only requires drivers to upload vehicle documents and sign off on a new loan. With the ability to apply online and loan officer guidance, refinancing a car or buying out your lease with Gravity is a seamless process perfect for those who prefer a helping hand.

Do you qualify?

Each lender in the Gravity network carries its own specifications for approval, but consider the following common requirements before applying. 

  • Credit score. In order to qualify you must have a minimum credit score of 500. If your credit is lacking consider checking out other options for bad credit auto loans. 
  • Income. While Gravity doesn’t disclose specific income restrictions, it is likely that lenders will look out for a certain number as employment disclosure is required.
  • Vehicle. Some lenders will not lend for ride-share vehicles along with discontinued vehicle models or large one-ton vehicles.

What we like and what we don’t like 

Consider the whole of what Gravity has to offer before signing off on a loan.

What we like

  • No fees. Gravity does not enforce any fees.
  • Online application. Borrowers can seamlessly upload documents and apply fully online. 
  • Delayed payment schedule. Gravity allows borrowers to delay payments for up to 90 days. 

What we don't like

  • Funding timeline. Although approval can be as soon as the day you apply, funding can take 10 days or longer.
  • Refinancing restrictions. In order to refinance with Gravity you must have a minimum loan balance of $10,000. 

How to contact Gravity 

Support for your Gravity loan can be found over the phone or online Monday to Friday from 8 a.m. to 6 p.m. Specific questions can be uploaded online or sent to Gravity’s website also boasts a fairly in-depth FAQ section. 

Auto loan types offered 

The Gravity marketplace presents borrowers with options for auto loan refinance and lease buyout. You can borrow anywhere between $10,000 to $125,000. While terms and rates vary by each lender partner, you likely will be offered terms between 25 and 84 months

Gravity also offers the option for drivers to add or remove co-borrowers. The choice to add or remove depends on a range of factors, but this move can potentially present you with more competitive terms.


Drivers looking to lower their monthly payments or adjust lending terms can refinance through one of the lenders in the Gravity network. When exploring refinance options take advantage of a refinance calculator to ensure you are saving money in the long run. 

Lease buyout

Buying out your current vehicle lease is a great way to hold onto your current set of wheels and avoid potentially high vehicle costs.

How to apply for a loan with Gravity 

You can apply for either of Gravity’s loan products directly from its site, with the option to prequalify encouraged. Following a soft credit pull, you will be paired with a loan officer who will assist you in the loan process. 

After being matched with one of Gravity's nationwide lenders, you can apply, for free, for the loan recommended. You can complete this process securely online. Finally, you will review your new loan terms and determine if you’d like to shorten or stretch out your loan term, if you’re refinancing. 

Gravity FAQs

How Bankrate rates Gravity

Overall Score 3.6
Availability 3.8 Gravity has a large network of lenders but does carry a high minimum loan amount for its borrowers.
Affordability 3.6 Gravity boats fairly competitive APRs and no fees directly from the comparison site.
Customer Experience 3.4 Gravity offers customer support only on weekdays and has a long funding timeline.
Transparency 5.0 Gravity shares both its rates and fees online and offers prequalification.


To rate lenders that specialize in auto refinance loans, Bankrate considers 16 different factors. These factors range in consideration from the loan amount, disclosed APR and acceptance criteria. Each lender holds a score based on four categories. 

  • Availability: This accounts for loan amounts, vehicle restrictions and availability in each state.
  • Affordability: Primarily, this section covers expected APR, acceptance criteria, discounts for autopay and the number of fees. 
  • Customer experience: This category includes online access, support availability, funding timeline, option for automatic payment and app availability.
  • Transparency: Here prequalification and disclosure of rates and fees are accounted for.
Editorial disclosure: All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.
Written by
Rebecca Betterton
Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in navigating the ins and outs of securely borrowing money to purchase a car.

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