Gravitylending Reviews 

1,818
TrustScore 4.5 out of 5

4.7

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Review summary

Created with AI, based on recent reviews

Evaluating 150 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the dedicated staff for being exceptionally helpful, patient, and thorough when guiding them step-by-step through the vehicle refinancing process. People note that the overall service is remarkably smooth, efficient, and exceptionally fast, making it simple to secure lower interest rates. Some reviewers were not happy with the customer service, explicitly mentioning unhelpful interactions, missing phone calls, and frustrating communication issues. A few consumers also felt that initial verbal promises regarding their auto loans were not properly kept or that the process was a complete waste of time.

What people talk about most

Staff

Reviewers highlight positive aspects of staff, frequently describing representatives as professional,... See more

Service

Consumers find service to be positive, highlighting quick, smooth, and stress-free auto loan refinancing... See more

Customer service

Customers report positive experiences with customer service, highlighting fabulous communication and... See more

User experience

People report positive experiences with user experience, highlighting that the entire process is smooth,... See more

Price

Customers consistently note positive experiences with price, highlighting significant savings on their auto... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Kudos to Jake, my Gravity Lending representative. Gravity had the best rate I could find, with no closing costs, and an additional 1/4 percent for ACH payments. What I most liked about Jake was that t... See more

Company replied

Rated 5 out of 5 stars

I checked out Forbes to find the best place to refinance my BMW M5. Gravity Lending contacted me right away. The process was minimal hassle with maximum return! My loan officer, Jerrel Thorton walked... See more

Company replied

Rated 5 out of 5 stars

U get bombarded w emails n phone calls once you apply online. Jerrel wrote an email emphasizing “no pressure” and expressed the interest rate offer in the email. Great rate. Jerrel got the call. He co... See more

Company replied

Rated 5 out of 5 stars

Jeremiah was incredible to work with! I had many questions throughout the loan process, and he was patient, clear, and always made sure I understood what to expect. He kept in contact the entire time,... See more

Company replied


Company details

  1. Financial Institution

Written by the company

Gravity Lending is a fintech company with over 50 years of financial services experience focused on offering a vast array of consumer lending products. Gravity Lending connects you to the lowest cost loans for all of your lending needs. We find the best rates, terms, and conditions so that you get quick access to the money you deserve. Our team is dedicated to improving your life one payment at a time.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

2K reviews

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No recent history of asking for reviews

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Replied to 44% of negative reviews

Typically replies within 24 hours

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4.7

All reviews

(1,818)

149 reviews in the last 12 months

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Rated 5 out of 5 stars

Gravity lending and Trey makes refi easy .

Gravity lending had many different refinancing rates and length of loans ,from 4 to 7 years . The rate for a similar loan was 2% lower than my original from the dealer when I purchased the vehicle new . Trey at gravity was easy to deal with and made the application to approval easy considering I was dealing with a lender from out of state. I highly recommend Trey and gravity lending . Thanks !

August 3, 2026
Unprompted review
Rated 4 out of 5 stars

I really liked working with Jeremy O

I really liked working with Jeremy O. at Gravity lending. He was very knowledgeable, helpful and professional. Everyone I encountered at Gravity lending was 100% professional every step of the way. Unfortunately, my credit score is very low and the only lender that approved me had negative reviews that I was uncomfortable with and I decided to withdraw my application. I would encourage customers with low credit scores to ask for a list of lenders that they contract with and check those lenders reviews before applying because applying does impact your credit score and you don't want an unpleasant experience with your lender later. None the less, thank you Jeremy O. for closing out my file quickly and returning my documents immediately.

September 1, 2026
Unprompted review
Rated 5 out of 5 stars

Outstanding all the way around…

I recently refinanced my auto loan with Gravity Lending and couldn’t be happier with the experience. The whole process was seamless and stress-free — no headaches, no confusion, just clear communication throughout. Edwin was the representative who helped me, and he made everything easy to understand and quick to complete. Great service overall.

August 24, 2026
Unprompted review
Rated 1 out of 5 stars

Horrible Experience

Frankly. No Response. I have 850+ credit. Filled out the app and got an instant email with a Person's name who was going to further process my application. Never heard back - no email or phone. When I reached out following up on the one email I received - she said she closed the app as she could not get a hold of me. Not true. I tried to call her multiple times. No response. I filled out a fresh application and again got the same automated response with the name of the same person. Never heard back. Horrible experience overall

August 11, 2026
Unprompted review
Rated 1 out of 5 stars

Gravity Lending is unethical and…

Gravity Lending is unethical and sketchy. They promote no hard credit check all over their site and throughout the inquiry process. They have a field for Social Security number, which I left blank. No one doing so should have any expectation that their credit was even possible to be pulled without having supplied a social security #. So immediately after the inquiry, my credit gets a hard pull and the score goes down. I contacted the lender who pulled it and they claimed they did not have any application from me, nor did they have my social. Peculiar! I called Gravity and they said they got my social security # from Forbes. No clue how Forbes had it but that is sketchy AF. So Gravity makes you think youre not going to have your credit pulled, then gets it from another unauthorized party, to provide it to god knows how many other unauthorized parties. Truly scummy and unethical. Somehow has high ratings and reviews. If you care about your credit score avoid avoid avoid these scammers.

August 19, 2026
Unprompted review
Rated 5 out of 5 stars

Great Guy

The site is the real deal. Process was seamless and John Hubbard was excellent to work with. He found us a refinance on our pickup that was nearly half of what the dealership financing was.

August 17, 2026
Unprompted review
Rated 5 out of 5 stars

Another Great Experience With Gravity !!

I just refinanced my second vehicle using Gravity Lending. Stephanie Wycuff is amazing!! Both experiences were stress free and quick. She was able to secure a lower interest rate, a less expensive extended warranty and gap for much less than what I was paying. The communication is fabulous also. I highly recommended Gravity to anyone looking to refinance their vehicle.

August 17, 2026
Unprompted review
Rated 5 out of 5 stars

Positive Experience

The loan officer who helped me from start to finish was incredibly helpful and knowledgeable. Mustafa Mustafa made the entire process quick, painless and super simple. Took all stress & confusion of navigating this process away. I highly recommend him and this organization.

July 24, 2026
Unprompted review
Rated 5 out of 5 stars

Mustafa with Gravity Lending

Mustafa was wonderful with communication and understanding. I was never dropped and he responded to all questions I presented. I was never out of the loop and he got me a great interest rate and payments. I would recommend Gravity Lending to anyone. So pleased, thank you Mustafa!!!!

July 23, 2026
Unprompted review
Rated 1 out of 5 stars

Don't even answer the phone for these fraudsters.

Don't even answer the phone for these fraudsters. They will lie to you to get your business and not come through with things they said to you. If Charles or Jason contact you just hang up the phone and move on to the next company. They I will tell you things to earn your business and never follow through with them. DO NOT USE GRAVITY. If you ignore this and go through them and when things fall through you will remember this comment and realize you should have not used them.

July 8, 2026
Unprompted review
Rated 5 out of 5 stars

great experience

Working with Aidan at Gravity Lending made the auto refinance process incredibly easy from start to finish. He was professional, responsive, and explained everything clearly, which made the entire experience stress-free. I’d definitely recommend Aidan and Gravity Lending to anyone looking for a smooth and hassle-free refinance experience.

May 29, 2026
Unprompted review
Rated 5 out of 5 stars

Best loan officer

Mr. Aidan Hogan processed my loan application very quickly and explained all terms clearly and offered the best options possible.

May 23, 2026
Unprompted review

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