Auto Loan Refinance review

Gravity Lending review

Name: Gravity Lending review
Item: Gravity Lending
Rating: 7.7
Author: ChoosyOwl

Best for consultant help

Online refinance platform with loan specialists, a lender network and a possible first-payment deferral. Borrowers who have already shopped with soft checks and want a specialist to handle a refinance from start to finish. We rank it #8 of 8 in our auto loan refinance comparison, with an editorial score of 7.7 out of 10.

Updated November 14, 2026By the ChoosyOwl editorial teamHow we rank

7.7/10

Our editorial score

Gravity Lending does well on Lender access & flexibility because it shops a network of lenders, offers 25-84 month terms and may let you defer your first payment, and on Borrower support for its loan specialists. It scores lowest on Credit check transparency in our group because its FAQ says it pulls your credit with a hard inquiry, and lower on Cost & fee transparency because its rate disclosure is a single advertised example rather than a range.

How we score auto loan refinance

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Auto lending disclosure.

We are not a lender and do not make credit decisions. We do not broker loans or arrange credit on your behalf. Several of the companies we review are not lenders either; they pass your application to partner lenders. Rates, APRs, fees and terms are set by the lender and depend on your credit profile, income, vehicle, loan amount, term and state. Not all products are available in all states.

Some companies check your credit with a soft inquiry to show estimated offers, which does not affect your credit score. Submitting a full application, or in some cases simply requesting quotes, can trigger a hard credit inquiry, which may affect your score. Check each company's site to see which type of check it uses before you share your details. Approval is never guaranteed.

A longer loan term can lower your monthly payment but usually means paying more interest over the life of the loan. Refinancing can also involve title, registration or documentation fees, and optional add-ons such as GAP or service contracts increase the amount you finance. Your car secures the loan: if you do not repay, the lender can repossess the vehicle.

Quick facts

Our rank#8 of 8

Best forBest for consultant help

Company typeRefinance platform (not a lender)

Credit check to see offersHard inquiry, per its FAQ

Published terms25-84 months, per its site

APR range (as published)Advertised 4.24% APR (example: FICO 740+, 36-month term, state availability)

Terms (as published)25-84 months

Facts checkedNovember 14, 2026

Details are general and can change. Check current plans, prices and terms on the Gravity Lending site. See the Gravity Lending company profile in our brand directory.

Overview

Gravity Lending is an online refinance platform, not a lender. Its FAQ says it works with a wide range of lenders so it can pass several options to you, and loan specialists help you compare offers and complete the paperwork.

The key thing to know is the credit check. Gravity Lending's FAQ says it pulls your credit with a hard inquiry, and warns that many hard pulls from shopping around may affect your score. If you want to compare without a hard inquiry first, start with a company that uses a soft check, then decide whether to apply here.

Its FAQ says it offers 25-84 month terms and does not charge hidden fees for its service, though your loan may include state and title transfer fees, plus GAP or a service contract if you choose them. Its homepage says some borrowers may defer the first payment for up to 90 days. As published on Gravity Lending's site in November 2026, its advertised rate is 4.24% APR for a borrower with a FICO score of 740 or higher on a 36-month term, depending on state; rates change, check your rate on the lender's site.

Pros and cons

Pros

Human help comparing offers
Possible breathing room before the first payment
Says it charges no hidden fees for its service

Cons

Uses a hard credit inquiry, per its FAQ
Rate disclosure is a single advertised example
Add-on products are offered during the process

Key features

Network of partner lenders
Loan specialists guide the process
Terms of 25 to 84 months
Possible first-payment deferral of up to 90 days
Optional GAP and vehicle service contracts

Who Gravity Lending is for

A good fit if

Borrowers who have already shopped with soft checks and want a specialist to handle a refinance from start to finish.

Look elsewhere if

Anyone who wants to see offers without a hard credit inquiry.

How we scored Gravity Lending

Our auto loan refinance score weighs credit check transparency (25%), cost & fee transparency (25%), lender access & flexibility (20%), eligibility clarity (15%), borrower support (15%). See the methodology.

Gravity Lending alternatives

#1
RateGenius
Best overall
Refinance platform with a large lender network and a clear explanation of soft and hard credit checks.
- Network of more than 150 lenders, per its site
- Soft inquiry to prequalify; hard inquiry when you apply
- Apply online or by phone
- Title and paperwork guidance
9.1/10
Editorial score
Visit site (RateGenius, opens in a new tab) Read review Compare
#2
RefiJet
Best for published requirements
Consultant-led refinance service that publishes its rate, term and eligibility ranges up front.
- Published APR, term, amount, credit score and income ranges
- Terms up to 96 months
- No fee to apply, per its site
- Possible payment deferral of up to three months
8.9/10
Editorial score
Visit site (RefiJet, opens in a new tab) Read review Compare
#3
Auto Approve
Best for flexible terms
Refinance service with soft-pull quotes, long term options and a deferred first payment for some borrowers.
- Soft inquiry to quote; hard inquiry only if you move forward
- Quote without a Social Security number, per its site
- Terms typically 12 to 96 months
- Refinances cars, trucks, SUVs, motorcycles and RVs
8.7/10
Editorial score
Visit site (Auto Approve, opens in a new tab) Read review Compare

See all 8 auto refinance companies compared

Gravity Lending FAQ

Does Gravity Lending do a hard credit pull?

Yes. Gravity Lending's FAQ says it pulls your credit with a hard inquiry and warns that many hard pulls from shopping around may affect your score.

Is Gravity Lending a lender?

No. Its FAQ describes it as an online platform that works with a wide range of lenders and passes several options to you.

Can I skip my first payment with Gravity Lending?

Its homepage says some borrowers may qualify to defer their first payment for up to 90 days. Interest typically still accrues, so check the terms.

Sources and fact check

We checked the facts on this page against Gravity Lending's own website on November 14, 2026. Published ranges are quoted as shown on the provider's site on November 14, 2026; they change, so check the current figures before you apply.