On this page13 sections
- Ratings and complaints
- Gravity Lending vs. competitors
- Pricing
- Step by step
- Gravity Lending legitimacy and licensing
- Gravity Lending rates and fees
- Does Gravity Lending do a hard credit pull?
- GAP, service contracts and debt protection
- Complaints and what borrowers report
- Your rights as a borrower
- What customers say
- Alternatives
- FAQ
Gravity Lending charges no service fee, its BBB rating is A+ and its Trustpilot score is 4.7, but its own FAQ says it runs a hard credit pull, and most of its 37 CFPB complaints are about use of credit reports. It is a legitimate Austin, Texas company, in business since 2015 and operating under the legal name Wildhorse Financial Services, LLC, that matches you with banks and credit unions to refinance a car loan or buy out a lease. Compare at least one credit union quote, keep rate shopping within a short window, and treat GAP and service contracts as optional extras you can decline.
Your options
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Gravity Lending This review Borrowers with good credit and a high-rate dealer loan who want someone else to shop lenders and handle the paperwork.
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AutoPay Alternative Another refinance marketplace with longer terms up to 96 months and loans from $2,500.
- Company
- Gravity Lending (legal entity Wildhorse Financial Services, LLC), Austin, Texas; started November 2015; CEO Brian Jones5
- What it does
- Auto refinance and lease buyout marketplace that matches you with partner lenders; it is not the lender1
- Lowest advertised rate
- 3.89% APR for FICO 740 or higher on a 36-month refinance, where available, as listed October 20261
- Fees
- No Gravity Lending service fee; the new loan can include title transfer and state fees, plus GAP or a service contract if you choose them2
- Credit check
- Hard credit pull, according to its FAQ2
- Loan terms
- 25 to 84 months2
- First payment
- May be deferred up to 90 days for qualifying borrowers1
- BBB
- A+, accredited since July 24, 2019; 79 complaints in the last 3 years5
- Company-reported rating
- Company-reported reviews: 4.9 stars, 6,000+ reviews; Aggregate shown on Gravity Lending's site; not independently verified1
Pros
- No service fee charged by Gravity Lending
- A+ BBB rating and accreditation since 2019
- Loan officers handle paperwork and the payoff
- Option to defer the first payment up to 90 days for some borrowers
- Also handles lease buyouts
Cons
- Hard credit pull to see offers, unlike prequalification tools that use a soft pull
- Most CFPB complaints are about use of credit reports
- Sales of GAP, service contracts and debt protection can raise your loan balance
- Lowest rate requires a 740+ FICO score and a 36-month term
- Minimum loan size and vehicle limits are not published
Best for: Borrowers with good credit and a high-rate dealer loan who want someone else to shop lenders and handle the paperwork.
Skip it if: You want to see rates with only a soft credit check, or you plan to apply for other credit soon and want to avoid an extra hard inquiry.
Gravity Lending vs. competitors
| Company | Model | Fee to you | Terms | Loan size | Next step |
|---|---|---|---|---|---|
| Gravity Lending | Marketplace; hard pull | No service fee | 25 to 84 months | Not published | Visit site |
| AutoPay | Marketplace of credit unions and lenders | Not published on its FAQ | 24 to 96 months | $2,500 to $100,000 | Visit site |
| Tresl | Marketplace with a finance advisor | No fees to apply | Not published on its refinance page | Not published | Read review |
| Your bank or credit union | Direct lender | Varies; ask about title and processing fees | Varies | Varies |
Gravity Lending pricing at a glance
Gravity Lending costs and terms, as listed October 20261
| Item | What Gravity Lending says |
|---|---|
| Service fee | None |
| Lowest APR | 3.89% (FICO 740+, 36 months, state availability) |
| Loan terms | 25 to 84 months |
| Title and state fees | Can be included in the new loan |
| GAP and vehicle service contract | Optional; cost added to the loan if you choose them; prices not published |
| Vehicle Debt Protection | Optional; cancels up to $50,000 of the balance on death; full refund if canceled within 30 days |
| Average savings claimed | $128 a month, from loans funded June 1 to August 31, 2026 |
Your APR depends on your credit, vehicle year, debt ratio, loan length and loan-to-value. A longer term can lower the payment but raise total interest.
Gravity Lending, step by step
Apply online or by phone
Enter your loan, vehicle and income details, or call 888-602-1125. Gravity Lending runs a hard credit inquiry to find matching lenders.
Talk to a loan officer
A loan officer calls to walk through offers, including term length. This is also where GAP and service contracts are offered.
Send documents
Lenders need a driver's license and may ask for income proof. You upload documents and e-sign from your phone or computer.
Payoff and new payments
The new lender pays off your old loan. Keep paying your old lender until you confirm the payoff, and you may be able to defer the first new payment up to 90 days.
Cancel add-ons if you change your mind
Debt Protection can be canceled for a full refund within 30 days. Ask for the cancellation terms of any GAP or service contract in writing.
Gravity Lending legitimacy and licensing
Yes. Gravity Lending is an Austin, Texas company that the BBB says started in November 2015, led by CEO Brian Jones. Complaints filed with the CFPB list it under its legal name, Wildhorse Financial Services, LLC. It is a marketplace: it gathers your information and matches you with partner banks and credit unions, which make the actual loan. It has been BBB accredited since July 2019 with an A+ rating, and we found no CFPB or state enforcement action against it.
The main cautions are the hard credit pull, which its own FAQ discloses, and the add-on products its loan officers offer. The CFPB database shows 37 complaints since 2023, more than half about how a credit report was used.
Gravity Lending rates and fees
Gravity Lending advertises rates as low as 3.89% APR in October 2026, based on a FICO score of 740 or higher, a 36-month term and state availability. Your rate depends on your credit, the vehicle’s year, your debt-to-income ratio, loan length and how much you owe compared with the car’s value. Terms run from 25 to 84 months.
It says it charges no fee for its service. The new loan includes your payoff amount, title transfer and state fees, and the cost of GAP or a vehicle service contract if you buy one. It says customers save an average of $128 a month, based on loans funded from June through August 2026, but a lower payment from a longer term can mean paying more interest overall.
Does Gravity Lending do a hard credit pull?
Yes. Its FAQ says it pulls your credit with a hard inquiry so it can present real offers, and its terms say you authorize it and its partners to get your credit report. Older reviews that describe a soft-pull prequalification are out of date. A hard inquiry can lower your score slightly for a time.
The CFPB says credit scoring models generally count multiple auto loan inquiries made within 14 to 45 days as one, so do your rate shopping in a short window. If a hard pull appears that you did not authorize, you can dispute it with the credit bureau and file a complaint with the CFPB.
What customers say about Gravity Lending
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Loan officers who explain options and stay in contact
- Fast process, often funded within about a week
- Large drops in monthly payment or rate
Common complaints
- Hard credit inquiries that applicants say they did not expect or authorize
- Calls not returned or applications dropped
- Rate or offer different from what was first discussed
- Pressure to add service contracts or GAP
GAP, service contracts and debt protection
Gravity Lending sells guaranteed asset protection (GAP), vehicle service contracts and Vehicle Debt Protection, which cancels up to $50,000 of your balance if you die. None is required to get a loan. Prices are not published, and the cost is usually added to your loan, so you pay interest on it.
Before agreeing, check whether your current loan already has GAP you can cancel for a refund, whether your car is still under the manufacturer warranty, and whether your auto insurer sells gap coverage for less. Gravity Lending says Debt Protection can be canceled with a full refund within 30 days; get the cancellation terms for any other product in writing.
Complaints and what borrowers report
Reviews are mostly positive: 4.7 out of 5 on Trustpilot from about 1,800 reviews, with borrowers praising named loan officers and quick funding. The BBB lists 79 complaints in three years. In the CFPB database, 20 of 37 complaints concern improper use of a credit report and 10 concern getting a loan. One-star reviews describe unexpected credit pulls, unreturned calls and offers that changed.
To avoid problems, apply only when you are ready to refinance, ask the loan officer to put the rate, term, payment and any add-on prices in writing, and keep paying your old loan until the payoff is confirmed.
Your rights as a borrower
The Fair Credit Reporting Act limits who can pull your credit and lets you dispute errors, and the Equal Credit Opportunity Act bars lenders from discriminating, including against income from public assistance or retirement. Gravity Lending’s terms require individual arbitration through the American Arbitration Association and bar class actions, though claims about your credit report under the FCRA are excluded from that arbitration clause.
Your lender must give you Truth in Lending disclosures showing the APR, finance charge and total of payments before you sign. Compare that total with what you owe on your current loan.
Alternatives to Gravity Lending
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Your own credit union or bank
Applying directly cuts out the middleman and the add-on sales call, and credit unions often price auto loans competitively.
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Another refinance marketplace with longer terms up to 96 months and loans from $2,500.
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TreslA marketplace that pairs you with a finance advisor, useful as a second quote.
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Lets you compare offers from several auto lenders in one place.
Next steps
Gravity Lending reviews
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Frequently asked questions
Can you trust Gravity Lending?
Yes. Gravity Lending, legally Wildhorse Financial Services, LLC, has operated in Austin, Texas since 2015 and has been BBB accredited with an A+ rating since 2019. It is a marketplace that connects you with partner lenders rather than lending itself.
Does Gravity Lending do a hard credit check?
Yes. Its FAQ says it runs a hard credit pull to present credit-based offers. Keep your rate shopping within a 14 to 45 day window so multiple auto inquiries count as one.
What credit score do you need for Gravity Lending?
Gravity Lending does not publish a minimum score. Its lowest advertised rate, 3.89% APR, is based on a FICO score of 740 or higher and a 36-month term.
Does Gravity Lending charge fees?
It says it charges no fee for its service. The new loan can include title transfer and state fees, and the cost of GAP or a service contract if you choose them.
How long does Gravity Lending take?
It says most people complete the application in under 10 minutes, and reviewers often describe funding within about a week. Timing depends on the lender, your documents and the payoff to your old lender.
Can I skip my first payment with Gravity Lending?
Gravity Lending says qualifying borrowers may defer the first payment for up to 90 days with no fees or penalties. Interest usually still accrues during that time, so ask the lender how it affects your total cost.
Is Gravity Lending a lender?
No. It is a marketplace that works with a network of banks and credit unions, and your loan is made by one of those partners.
What loan terms does Gravity Lending offer?
Its FAQ lists terms from 25 to 84 months, depending on your credit and vehicle.
Do I have to buy GAP or a warranty to refinance with Gravity Lending?
No. GAP, vehicle service contracts and debt protection are optional. Their cost is added to the loan if you buy them, so compare prices and decline what you don't need.
What is Gravity Lending's BBB rating?
The BBB rates Gravity Lending A+ and lists it as accredited since July 24, 2019, with 79 complaints in the last three years and 1,132 customer reviews as of October 2026.
Sources (13)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Gravity Lending: Home page and rate disclosures (accessed October 12, 2026)
- Gravity Lending: FAQ (accessed October 12, 2026)
- Gravity Lending: Our process (accessed October 12, 2026)
- Gravity Lending: Terms and conditions (accessed October 12, 2026)
- BBB: Gravity Lending (Austin, TX) (accessed October 12, 2026)
- Trustpilot: Gravity Lending reviews (accessed October 12, 2026)
- CFPB: Consumer complaint database, Wildhorse Financial Services, LLC (accessed October 12, 2026)
- Gravity Lending: Vehicle Debt Protection (accessed October 12, 2026)
- Gravity Lending: Guaranteed Asset Protection (accessed October 12, 2026)
- CFPB: What should I know before I shop for a car or auto loan? (accessed October 12, 2026)
- AutoPay: FAQ (accessed October 12, 2026)
- Tresl: Auto refinance (accessed October 12, 2026)
- CFPB: Auto loans consumer tools (accessed October 12, 2026)
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