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Gravity Auto Loans Review

Gravity Lending offers auto loan refinancing for cars, trucks and SUVs through its lending partners. You’ll need a minimum loan balance of $10,000 to prequalify for refinancing.

Cars with salvaged titles and commercial vehicles cannot be refinanced through Gravity Lending.

Gravity Lending can help you refinance your existing auto loan for a lower rate through its partners. You can start the process online by providing your car’s year, make, model, mileage and current monthly payment. You’ll then be asked to provide some basic personal information. Applicants can prequalify with only a soft credit inquiry.

Afterward, you’ll be asked to upload certain documents in order to apply for refinancing. These include proof of employment, residence and car insurance. Once your application has been reviewed, a loan officer will contact you.

After choosing your new loan term, you can electronically sign your documents and Gravity Lending will take care of the rest.


The terms for refinanced auto loans range between 36 and 84 months. As of Sept. 23, 2022, Gravity Lending’s APRs ranged from 2.74% to 20%. The terms available to you will depend on your credit, your vehicle and other information.

Gravity Lending does not charge any fees.

If you’re hoping to qualify for the lowest rates, some of Gravity Lending’s partnered lenders may offer discounts when you sign up for autopay.

The minimum credit score to refinance is 510, and your vehicle can be no more than 10 years old. You can add or eliminate a co-borrower when you refinance.

To prequalify for an auto loan refinance, your vehicle must have a minimum loan balance of $10,000 and cannot be a salvaged or commercial vehicle.

Gravity connects people nationwide with auto loan refinancing.

The Better Business Bureau gives Gravity Lending an A+ rating. Trustpilot rates the company 5 stars out of 5 from over 1,100 reviews.

If you call customer service at 888-602-1125, someone will answer from 8 am to 6 pm Central Time Monday through Friday. You can also email the company at loans@gravitylending.com.

  • People who have a car loan with a minimum balance of $10,000.
  • People who want to add or get rid of a co-borrower.
  • People who want an online refinancing experience.

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