Gravity Lending
Gravity Lending — refinance rates as low as 3.89%, matched with lending partners.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Gravity Lending does not publish this on their public site. "No restriction" means Gravity Lending explicitly states no limit.
Overview
Gravity Lending pairs you with one of its lending partners to refinance your auto loan and advertises rates as low as 3.89%. It says it operates in all 50 states and that you may qualify to defer your first payment for up to 90 days. Loan amounts and terms aren't published.
What’s great
- As-low-as rate of 3.89%
- May defer first payment up to 90 days
What to know
- Works through lending partners rather than lending directly
- Loan amounts and terms are not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 3.89% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Not disclosed |
| States served | Not disclosed |
| Membership requirement | Not disclosed |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Gravity Lending's own published materials. Rates, eligibility, and terms can change — verify directly with Gravity Lending before applying.
- [1]Auto Refinance — Gravity Lendinghttps://gravitylending.com/Last checked: October 2026