Gravity Lending vs OneMain Financial

Gravity Lending was founded in 2015 in Austin, Texas. The company specializes in simplifying auto loan financing through its innovative online marketplace, enabling borrowers to compare refinancing offers from about 70 lenders nationwide. They stand out by offering no-fee, low-interest-rate auto refinancing, and lease buyout services. Their streamlined online application process allows clients to customize loans to meet their financial needs, with an average customer savings of approximately 18% of their original loans. Gravity Lending has funded over $7 billion in loans and maintains an A+ rating with the Better Business Bureau (BBB), underscoring their commitment to transparency and customer satisfaction. With no hidden fees and personalized support from dedicated loan officers, they have a reputation for delivering top-tier auto refinancing experiences for borrowers across the United States. For a deeper dive into their offerings and customer experiences, explore the full review.

OneMain Financial, established in 1912 and headquartered in Evansville, Indiana, is a trusted provider of personal and auto loans for individuals with less-than-perfect credit. Specializing in unsecured and secured loans, they offer loan amounts ranging from $1,500 to $20,000, helping borrowers cover various financial needs, from debt consolidation to major purchases. Known for their customer-focused approach, they strive to make the lending process straightforward and transparent, offering both online and in-person services through their nationwide network of over 1,300 branches. Unique features include flexible repayment terms and the option for same-day funding. Customers frequently praised their personalized service and attentive loan specialists, though it's important to note that interest rates can be higher than industry averages, reflecting the company's target audience of higher-risk borrowers. They maintain an A+ rating with the Better Business Bureau (BBB) and have earned positive feedback for their responsive customer service, making them a reputable option for those looking for a reliable loan provider despite credit challenges. Read our review to learn all you need about OneMain Financial before making your call.