A car loan that
keeps pulling for you.
We finance the drivers banks turn away — then make paying effortless. Manage everything from your phone, and when money gets tight, our AI builds a plan that protects your credit instead of wrecking it.
Why Gravity exists
Life happens. Your car loan should get it.
Maybe credit took a hit. A job ended, a relationship changed, the bills stacked up. That doesn't make you a risk — it makes you human. Gravity is built for the comeback: clear terms, payments you can make in seconds, and real help the moment life gets in the way.
Tough, but fair
We're straight about what's owed — and we'll always work with you to get there. No traps, no surprise fees, no games.
Effortless on purpose
If paying is hard, people don't pay. So we made it the easiest thing you'll do all week — right from your phone.
On your side
Every on-time payment is reported to all three bureaus. Stick with us and your credit can climb out of the hole.
01 / How it works
From the lot to paid off,
without the headache.
Four steps. No phone trees, no paperwork mountain, no being left in the dark.
Get approved at the lot
Shop at a Gravity dealer and we finance drivers other lenders won't — with a fast yes and a structure built around your budget. Many customers drive home the same day.
Set up payments in minutes
Choose debit, ACH, Apple Pay, Google Pay, or turn on AutoPay and forget about it. Pick a rhythm that matches your paycheck — weekly works best for most.
Manage it all from your phone
Your balance, payment history, and live 10-day payoff are always one tap away. Sign in instantly with Face ID or fingerprint. That's the whole experience.
Hit a rough month? We've got a plan
Tell our AI assistant what's going on. It can spread a missed payment across the months ahead — so you stay current and your credit stays clean. More on that below.
02 / Your account, in your pocket
Everything about your loan. One tap away.
Built phone-first for real life — fast, friendly, and impossible to get lost in. Works on iPhone, Android, and any browser.
Live balance & payoff
See your real-time balance and a 10-day payoff figure whenever you want it.
Pay any way
Debit, ACH, Apple Pay, Google Pay, or AutoPay. Whatever's easiest for you.
Face ID sign-in
Get in with a glance or a fingerprint. No password to forget, ever.
Partial & promise-to-pay
Short this week? Pay part now and promise the rest — without falling behind.
Full history & receipts
Every payment, logged and receipted. Always know exactly where you stand.
Reminders that help
A friendly nudge before a payment's due — never a barrage of robocalls.
03 / When money's tight
Meet the part that actually has your back.
Most lenders go quiet, then punish you. Gravity's assistant is available 24/7 — no judgment, no hold music. Tell it what's going on and it builds a plan on the spot, in plain English.
Always on, never robotic
Help any hour of the day — and a real person is one tap away whenever you'd rather talk to one.
Plans that protect your credit
It spreads what you owe across upcoming payments so nothing gets reported late.
Set up in seconds
No call, no forms, no waiting on approval. Agree to the plan and it's live instantly.
Build credit while you drive
Pay on time. Watch your credit climb.
We report your good payments to all three major bureaus — so the car that gets you to work also helps rebuild your score. That's how a rough patch turns into a comeback.
For dealers
Run a dealership? Let Gravity service your loans.
From origination through payoff, Gravity handles underwriting, payments, AI collections, and compliance on your contracts — so you collect more and chase less. You keep your customers; we run the back office for a simple servicing fee.
About Gravity Capital
A modern finance company, built for the comeback.
Gravity Capital is an auto-finance company powered by its own technology — underwriting, servicing, and collections in one system. That's how we say yes to more drivers, keep paying effortless, and stay fair when life gets hard.
Subprime isn't about perfect customers. It's about treating real people fairly, at scale.
Licensed across a growing list of states, we're here for the long haul — the lender that's still in your corner on the hard months, not just the easy ones.
Questions, answered
The stuff people ask us most.
What is Gravity Capital?
Gravity Capital is an auto-finance lender and loan servicer for drivers the banks turn away — including bad credit or no credit at all. You get approved at a Gravity dealer, then manage the loan from your phone: payments, payoff, and help when money gets tight.
What credit score do I need?
There's no magic number. We finance drivers across the credit spectrum, including bad credit or no credit at all. Approval looks at the whole picture, not just a score — so apply at any Gravity dealer and see what you qualify for.
How do I apply for a car loan with Gravity?
Start online — get pre-qualified in about two minutes, with no credit check and no obligation — or apply in person at any Gravity dealer. Many customers drive home the same day.
How do I make a payment?
Sign in from your phone or any browser and pay by debit, ACH, Apple Pay, or Google Pay — or switch on AutoPay and never think about it again. Most customers pay weekly to keep payments small.
What if I can't pay this month?
Reach out before your due date through the app. Our AI assistant — or a real person, if you'd rather — can set up a payment plan that spreads what you owe across upcoming payments, keeps you current, and protects your credit.
Will this actually help my credit?
Yes. We report your on-time payments to all three major bureaus — Experian, Equifax, and TransUnion. Pay consistently and your credit can climb over the life of the loan.
Can I pay off my loan early?
Absolutely — and you'll save on interest. Your live 10-day payoff figure is always in the app, so you can pay it off whenever you're ready. No prepayment penalties.
What states is Gravity in?
We're licensed and actively expanding across multiple states. Your Gravity dealer can confirm availability in your area.
Is my information safe?
Yes. Payments and personal information are protected with bank-level encryption, and we never sell your data. Security and privacy are built into the platform from the ground up.
Does Gravity work with dealerships?
Yes. Gravity handles underwriting, payments, AI collections, and compliance on a dealer's contracts for a flat 20% servicing fee, with no software to buy. Dealers keep their customers; we run the back office. Email partners@gravityautocapital.com to get started.
Ready to get moving?
See what you qualify for in about two minutes — no credit check, no obligation. Already with us? Manage your loan and payments in the Gravity Capital app.