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Gravity the 2023 automobile loan review, published 2023-01-27 at 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 in navigating the ways and pitfalls of using loans to buy the car they want.

Editor: Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since late 2022. He believes in the clarity of his reporting, which helps readers easily get deals and make best choices for their finances. He specializes in small and auto loans.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering you interactive financial calculators and tools as well as publishing original and objective content. We also allow users to conduct research and analyze data for free to help you make financial decisions with confidence. Bankrate has agreements with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The offers that appear on this website come from companies that pay us. This compensation may impact how and where products appear on this site, including such things as the sequence in which they appear in the listing categories and other categories, unless prohibited by law for our loan products, such as mortgages and home equity, and other home loan products. But this compensation does affect the information we publish, or the reviews appear on this website. We do not include the entire universe of businesses or financial offers that may be available to you.

About our reviews . Editorial disclosure Reviewers are supervised by staff. The opinions expressed in them are only the opinions of the reviewer and are not reviewed or acknowledged by any advertiser. The information, including rates and fees, presented in the review is correct at the time of the review. Look over the information at the top of this page and the lender’s website for the most current details.

A glimpse 3.6 Rating: 3.6 stars out of five

Bankrate Score

Availability Rating: 3.8 stars out of 5

Affordability Rating 4 stars out of 5

Customer Experience Rating: 3.4 5 stars. 5

Transparency Rating: 5 stars out of 5

Compare rates for auto loan rates

About Gravity Loan amount of $10,000 to $125,000

Min. credit score 500

APR from 5.34%

Funds are available in 10 days

Pros and cons of gravity for certain people, the advantages of a smooth application might not be enough to offset the possible lengthy funding timeframe.

PROS No fees

Online application

Delayed payment schedule

CONS Funding timetable

Refinancing limitations

Gravity provides an automobile loan marketplace that allows borrowers to review the top refinance rates on the internet and within just a few minutes. The easy application can be done over the phone or via the internet and will require drivers to upload their car documents and then sign off on the new loan. With the ability to apply online and receive loan officer guidance, refinancing a car or purchasing a lease using Gravity is an easy procedure that is ideal for those who want a helping hand.

Do you qualify? Every lender in the Gravity network carries their own requirements for approval, but consider the following guidelines before applying. Credit score. To be eligible, you need to have a credit score of 500. If your credit is lacking consider checking out for bad credit auto loans. Income. While Gravity does not disclose specific income limitations, it’s likely that lenders will search at a specific number 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. Our favorite things and what don’t like Consider the whole of the features Gravity has to offer before signing off on the loan. What we like No fees. Gravity doesn’t impose any charges. Application online. The borrower can upload their documents and complete their application online. Delayed payment schedule. Gravity lets borrowers delay payments for at least 90 days. We do not like the Funding timeline. Although approval can be in the same day you submit your application, the process can take at least 10 days. Refinancing restrictions. If you want to refinance your loan with Gravity you must have at least a loan amount of $10,000. Contact Gravity Support to inquire about your Gravity loan can be done over the phone or online Monday to Friday from 8 a.m. until 6 p.m. Specific questions can be uploaded on the internet or emailed to . Gravity’s website also boasts an extensive FAQ section. Auto loan options available The Gravity marketplace presents borrowers with options for auto loan refinancing or lease buyout. You can borrow anything from $10,000 to $125,000. While terms and rates vary for each lender partner, you will be provided with terms ranging from 25 and . Gravity also offers the option to drivers to add or eliminate co-borrowers. The choice to add or remove depends on a , but this move can potentially present you with more competitive terms.


The loan’s quick facts range from $10,000 to $125,000 Terms: 25 to 84 Months APR: 5.34% to 14.99 percent

Drivers seeking to lower their monthly payments or adjust lending terms can refinance through one of the lenders that are part of the Gravity network. If you are considering refinancing options, take advantage of a to ensure you are saving money in the long run. Lease buyout

The loan’s quick facts range from From $10,000 to $125,000 Terms: 25 to 84 Months APR: 5.34% to 14.99 Percentage

Buying out your current vehicle lease is an excellent way to hold onto your current wheels and avoid potentially high vehicle costs. How to apply for an loan through Gravity You can apply for either or both of the Gravity loan products directly from its site, with the option to prequalify encouraged. Following a soft credit pull, you will be paired with a loan person who will guide you in the loan process. After being matched with one of Gravity’s nationwide lenders You can apply for free, for the loan suggested. The process can be completed securely on the internet. After that, you’ll be able to review the new loan terms and decide whether you’d like to reduce or extend the loan term, if you’re refinancing.

Required application information Valid driver’s license Valid insurance Residence proof Social security number Vehicle information Proof of employment Proof of income

Gravity FAQs

Is Gravity a trustworthy firm? Yes, the firm has the A+ BBB Rating and Accreditation and a perfect five stars for Trust Pilot review sites.

Does Gravity lending perform an invasive credit check? While Gravity does not conduct an actual credit check but its partners are likely to do so prior to final loan approval. Gravity employs a soft pull to get your credit information without damaging your credit score.

How does prequalifying for a loan compare to preapproval? Prequalification gives you a clear idea of what to be expecting for your monthly payments. Preapproval, , is an unlocked rate that is based on a hard credit pull.

How does Bankrate rate Gravity

Overall Score




Gravity has a large lender network, but it does require a large minimum loan quantity for customers.



Gravity offers are fairly competitive APRs and does not charge fees directly from the comparison site.

Customer Experience


Gravity provides customer support only during weekdays and offers lengthy funding timetable.



Gravity shares both its rates and fees online and offers prequalification.

Methodology to rate lenders who are specialized in refinancing auto loans, Bankrate considers 16 different factors. The factors are based on from the loan amount, disclosed APR as well as acceptance requirements. Each lender scores based on four categories. Accessibility: This is a factor that accounts for loan amounts, vehicle restrictions and their availability in every state. Affordability: The primary focus of this section covers expected APR, acceptance requirements discounts for autopay, and the number of charges. Experience with customers: This category includes accessibility to online services, availability of support, funding timeline, option for automatic payment and app availability. Transparency: Here , prequalification and the disclosure of fees and rates are taken into account.

Disclosure of author The reviews are written by staff. The opinions expressed are solely those of the reviewer , and have not been reviewed or acknowledged by any advertising company. The information that is included, including rates and fees that are included in the review are accurate at the time when the review first appeared. Check the data on the right as well as the lender’s site for the most current details.

Written by

Rebecca Betterton

Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in navigating the details of using loans to buy the car they want.

Editor: Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate from late 2022. He is a fan of transparent reporting that allows readers to confidently get deals and make most appropriate choices regarding their finances. He specializes in small business and auto loans.



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