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

Authored 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 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 is a fan of clear reporting that helps readers confidently find deals and make the best decisions for their financials. He specializes in small business and auto loans.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by providing you with interactive tools and financial calculators as well as publishing original and objective content, by enabling users to conduct research and compare data for no cost to help you make sound financial decisions. 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 that pay us. This compensation can affect the way and where products appear on this site, including, for example, the order in which they may appear in the listing categories, except where prohibited by law. This applies to our loans, mortgage, and other products for home loans. But this compensation does not influence the information we publish, or the reviews that you read on this site. We do not cover the universe of companies or financial offers that may be open to you.

About our reviews . Editorial disclosure: All reviews are prepared by our staff. The opinions expressed in them are only the views of the reviewer. They have not been reviewed nor approved by any advertising company. The information such as rates and charges, presented in the review is accurate as of the date that the review was written. Check the data at the top of this page, and the lender’s website to find the most current details.

A glance 3.6 Rating: 3.6 stars out of 5

Bankrate Score

Available Rating: 3.8 stars out of 5

Affordability Rating: 4 stars out of 5

The Customer Service Rating is 3.4 stars out of five

Transparency Rating: 5-stars out of 5.

Check auto loan rates

About Gravity Loan amount $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 some, the benefit of a seamless application may not be worth the lengthy funding timeframe.

PROS No fees

Online application

Delayed payment schedule

CONS Funding timeframe

Refinancing limitations

Gravity is an auto loan marketplace that lets borrowers compare top refinance offers online in just a few just a few minutes. The easy application can be completed over the telephone or on the internet. It only will require drivers to upload their car documents and sign off on a new loan. With the ability to apply online and loan officer guidance refinancing a vehicle or buying out your lease with Gravity is a simple process perfect for those who prefer an extra 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 qualify, you need to have a rating of 500. If you have a poor credit score, look into bad credit auto loans. Income. While Gravity does not provide specific information about income limitations, it’s probable that banks will check at a specific number since disclosure of employment is mandatory. Vehicle. Certain lenders won’t lend for ride-share vehicles along with older models of vehicles, or for large one-ton vehicles. Our favorite things and don’t like Consider the whole of the features Gravity has to offer prior to accepting an loan. We like the fact that there are no fees. Gravity does not impose any charges. Online application. Borrowers are able to upload documents and complete their application online. Delayed payment schedule. Gravity allows borrowers to delay payments at least 90 days. We do not like the Funding timeframe. Although approval is possible as soon as the day you apply, funding may take 10 days or longer. Refinancing restrictions. In order to refinance with Gravity you need to have a minimum loan amount of $10,000. How do I contact Gravity Support for your Gravity loan is available over the phone or online Monday through Friday between 8 a.m. to 6 p.m. Questions specific to your situation can be posted on the internet or emailed to . Gravity’s website also has a fairly in-depth FAQ section. The types of auto loan types offered The Gravity marketplace presents borrowers with choices for auto loan refinance and lease buyout. You can borrow anywhere between $10,000 to $125,000. Although terms and rates differ according to each lender partners, it is likely will be offered terms between 25 and . Gravity also provides the option for drivers to join or eliminate co-borrowers. The decision of whether to remove or add depends on a , but this option could provide you with more competitive terms.

Refinance

Quick facts about loans: From $10,000 to $125,000 Terms: 25 to 84 month APR: 5.34% to 14.99 percent

Drivers looking to lower their monthly payments or modify loan terms can refinance using one of the lenders that are part of the Gravity network. If you are considering refinancing options, make use of a refinance option to ensure you are saving money over the long term. Lease buyout

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

The option of buying out your current car lease is a great option to secure the current vehicle and avoid potentially high vehicle cost. How do you apply for an loan through Gravity You are able to apply for one or both of the Gravity loan products directly from its website, with the possibility to prequalify encouraged. After a soft credit pull and a credit check, you’ll be matched with an loan officer who will assist you through the loan procedure. Once you’ve been matched to one of Gravity’s nationwide lenders you are able to apply for free, for the loan suggested. The process can be completed completely online. Then, you’ll review your new loan terms and decide whether you’d prefer to reduce or stretch out your loan period, especially 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 . Vehicle information Proof of employment Proof of income

Gravity FAQs

Is Gravity a trustworthy company? Yes, the company has the A+ BBB Rating & Accreditation in addition to five stars in the perfect category on Trust Pilot Reviews.

Does Gravity lending conduct a hard credit pull? While Gravity doesn’t conduct any kind of credit pull however, its lenders who are partners with it will likely do so before final loan approval. Gravity employs a soft pull to get your credit history without affecting your credit score.

How does prequalifying for a loan compare to preapproval? Prequalification can give you a firm estimate of what you can expect for a monthly payment. Preapproval, , is an unlocked rate that is that is based on a credit pull.

How does Bankrate rate Gravity

Overall Score

3.6

The availability

3.8

Gravity has a large lender network, but it does require a large minimal loan amount for its borrowers.

Affordability

3.6

Gravity boats are fairly competitive APRs and no fees directly from the site of comparison.

Customer Experience

3.4

Gravity provides customer support only on weekdays , and has a lengthy funding timetable.

Transparency

5.0

Gravity offers both fees and rates online, and provides prequalification.

Methodology For evaluating lenders who specialize in auto refinance loans, Bankrate considers 16 different elements. These variables range to the loan amount, APR that is disclosed and the acceptance standards. Each lender scores that is based on four different categories. The availability category includes loan amount, vehicle restrictions and the availability of each state. Affordability: Primarily, this section discusses expected APR, acceptance requirements, discounts for autopay and the number of fees. Experience with customers: This category includes accessibility via the internet, support available and funding timeframe, as well as the option for automatic payment and app availability. Transparency: Here prequalification and the disclosure of fees and rates are accounted for.

Disclaimer: All reviews are prepared by Bankrate.com staff. The opinions expressed in the review are only those of the reviewer , and have not been reviewed or accepted by any advertiser. The information, including rates and fees, presented in the review is accurate at the time that the review was written. Check the data in the upper right hand corner of the page, and the lender’s website 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 to navigate the details of borrowing money to purchase an automobile.

Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate from late 2022. He values clear reporting that helps readers confidently get deals and make best decisions for their financials. He is a specialist in small and auto loans.

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