Gravity Lending vs Upgrade

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.

Upgrade, founded in 2016 and headquartered in San Francisco, is a fintech company specializing in personal loans, credit cards, and auto financing solutions, including refinancing options designed to lower monthly payments and save on interest costs. With a user-friendly online platform, they facilitate a seamless application process, often providing approvals within 24 hours and funding shortly after. Their services extend to both individual customers and auto dealerships, thanks to extensive partnerships with many financial institutions. Their customers benefit from features such as a soft credit pull for rate checks, fixed fees, and no origination fees, enhancing transparency and reducing costs. They also offer competitive loan terms, with options up to 84 months and the ability to pre-qualify without impacting credit scores. Their commitment to customer service is reflected in their A+ rating from the Better Business Bureau and accolades from industry leaders. Read our review to have a full-on breakdown of Upgrade and their services in detail.