01How it works 02Your app 03AI help 04For dealers 05About
Gravity Capital — Auto Finance

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.

Go to Gravity Capital → See how it works
Reports to all 3 credit bureaus Bank-level security Licensed & multi-state
The Gravity app on a phone
9:41
Gravity
MR

Good morning, Marcus

Current balance
$7,420.00
of $12,000 financed · 24-mo term
Next payment · Fri, May 29
$150.00
on track
Pay now
AutoPay every Friday
10-day payoff
$7,180
Paid this year
$4,580
Pay any way you like
DebitACH bank transferApple PayGoogle PayAutoPay

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.

01

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.

02

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.

03

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.

01

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.

02

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.

03

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.

04

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.

The Gravity app payment screen
9:41
Make a payment
Paying this week
$150.00
Weekly payment · due Fri, May 29
Pay with
•••• 4421
Or pay extra
+ $50
Apple Pay
Save for AutoPay
Confirm $150.00

Secured with bank-level encryption

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.

Gravity Assistant
Online · replies instantly
Message Gravity…

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.

Experianreported
Equifaxreported
TransUnionreported
3
Credit bureaus reported to
5
Ways to pay your bill
24/7
AI support, any hour
256-bit
Bank-level encryption

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.

20%Flat servicing fee — no hidden costs, no software to buy.
1Platform for the whole loan lifecycle, every state you operate in.
Partner with Gravity →

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.

Born from Gravity Auto Sales and 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.

Servicing Underwriting Collections

Questions, answered

The stuff people ask us most.

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 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.

Ready to get moving?

Manage your loan and payments in the Gravity Capital app, or find a dealer near you. Whatever life throws at you, we'll keep pulling for you.

Go to Gravity Capital → Find a dealer