# Gravity Lending

> Gravity Lending is an Austin auto refinance marketplace that matches US borrowers with banks and credit unions, provides a dedicated loan officer, and coordinates loan paperwork. It also arranges lease buyouts, cash-out refinancing, optional vehicle protection, and operational services for financial institutions.

- **Founded:** 2015
- **Headquarters:** Austin, United States
- **Founders:** Brian Jones (Co-founder and CEO), John Scofield (Co-founder)
- **Products:** Auto loan refinancing, Lease buyout loans, Cash-out auto refinancing, Guaranteed Asset Protection (GAP), Vehicle Service Contract (VSC)
- **Notable:** BBB-accredited since July 24, 2019; A+ rating when researched., Auto Remarketing reported a 16% improvement in time to funding associated with Lightico, based on company/vendor claims., Austin workplace recognition is documented by its careers page and Top Workplaces profile.

## Products & services

- **Auto loan refinancing** — Matches borrowers with lenders to replace an existing vehicle loan and change the rate, term or payment.
- **Lease buyout loans** — Arranges financing for drivers buying their leased vehicle.
- **Cash-out auto refinancing** — Offers access to vehicle equity through a new auto loan, subject to lender approval.
- **Guaranteed Asset Protection (GAP)** — Optional protection that can waive an eligible deficiency after a total loss or theft, subject to contract limits.
- **Vehicle Service Contract (VSC)** — Optional coverage for eligible repairs beyond the original manufacturer warranty.
- **Vehicle Protection Plan** — MembersCare Edge bundles benefits such as tire and wheel, key, dent, windshield and roadside services.
- **Vehicle Debt Protection** — Conditional debt cancellation protection; published death benefit can cancel up to $50,000 of remaining loan balance.
- **Lender operational services** — Call center, underwriting, document processing, accounting, and lien and title support for institutions.

## Achievements

- BBB-accredited since July 24, 2019; A+ rating when researched.
- Auto Remarketing reported a 16% improvement in time to funding associated with Lightico, based on company/vendor claims.
- Austin workplace recognition is documented by its careers page and Top Workplaces profile.

## Latest updates

- **2026-07** — Published a step-by-step refinancing guide and an article about the future of auto refinancing on July 6.
- **2026-08** — NerdWallet updated its review on August 7, discussing approximately 90 lending partners and individual loan-officer support.
- **2026-10** — At research time, the homepage advertised $128 average monthly payment savings; its disclosure ties the calculation to funded loans from June through August 2026. This is a company-reported historical average.

## Links

- Website: https://gravitylending.com/
- LinkedIn: https://www.linkedin.com/company/gravity-lending/
- Twitter/X: https://twitter.com/gravitylending
- Instagram: https://www.instagram.com/gravitylending/
- Facebook: https://www.facebook.com/gravitylending/

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Profile page: https://yespress.io/gravity-lending
Published by YesPress — https://yespress.io
Last updated: 2026-10-25