Privacy Policy

At Gravity Lending protecting your private information is our top concern. Please read below and learn how we collect, protect, share, and use your information. For the purposes of this Privacy Policy, unless otherwise noted all references to Gravity Lending include www.gravitylending.com. By using the Gravity Lending website, you consent to the data practices described in this statement.

How We Collect Information

We collect Personally Identifiable Information (“PII”) such as your name, email, phone number(s), address, social security number, date of birth, employer information, income figures, credit card numbers, vehicle information, and current loan/credit information. 

 

We do not collect any personal information about you unless you voluntarily provide it to us. Gravity Lending collects and uses your personal information to evaluate creditworthiness. You may provide this information when you go through our loan application process via our website, through a third-party application service, or by contacting our call center to submit an application.

 

Use of Collected Information

Gravity Lending uses the information to provide the products and services you have requested, to communicate with you through email, telephone/mobile device, and postal mail, and to perform marketing services that may be of interest to you.

 

How We Share Collected Information

Gravity Lending may share information with trusted partners to help perform services on our behalf. All third parties are prohibited from using your personal information except to provide these services and are required to maintain the confidentiality of your information. 

 

Gravity Lending may disclose your personal information if required by law to protect the rights, property, or personal safety of our users and the public. 

 

We may use your information to track data within www.gravitylending.com website to deliver customized content that may be of interest to you.

 

Opt-Out & Unsubscribe

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information.

 

Security

We take the necessary security measures including physical, electronic, and procedural, to safeguard your information. When you submit sensitive information via the website, your information is encrypted to protect you as well as firewalls to prevent unauthorized use. Only parties who need specific information are granted access and the information is kept in a secure environment. 

 

Gravity Lending does not knowingly collect personally identifiable information from children under the age of 13. We will not use or maintain information if we determine a user is underage. 

 

Description of Gravity Lending

Gravity Lending is headquartered in Austin, Texas, and is licensed as a registered lender with the Texas Office of Consumer Credit Commissioner. All lenders in the Gravity Lending network are FDIC-insured banks or licensed lenders.

Terms of Use and Legal

By accessing or submitting a loan application through Gravity Lending or through a third-party application service, the applicant or co-applicant each agree to these Terms of Use. You agree the information you provided is correct and consent to the use of the information to receive communications from Gravity Lending as well as third-party lending partners including voice, text (MMS,SMS, etc), and email, to access your credit report, to process a loan application, and to offer other products and services that may be of interest to you. Some communication and disclosures are conducted electronically. You must consent to these disclosures in order to complete the loan process.

 

Gravity Lending may share your information with trusted partners to help perform these services on their behalf. All third parties are prohibited from using your personal information except to provide these services and are required to maintain the confidentiality of your information. 

 

Gravity Lending is not a lender and does not make credit decisions in connection with loans. The lender is solely responsible for its services to you and Gravity Lending will not be liable for any damages in any way connected with your service. Gravity Lending does not guarantee acceptance of a loan, loan terms or rates offered. Loan approval standards are established by the lenders themselves. 

 

Given the changing nature of the law, rules and regulations, Gravity Lending reserves the right to make changes to any aspect of the website and to modify changes within the Privacy Policy and Terms of Use. Any changes will be effective immediately upon posting on the website. 

Legal Disclaimer

Except as otherwise provided, this site, all contents and all products and services are provided as an “as is” basis. Gravity Lending disclaims all warranties of any kind, either expressed or implied, including without limitation, implied warranties of merchantability and fitness for a particular purpose. Gravity Lending does not warrant that your use of this site will be uninterrupted or error-free. Gravity Lending endeavors to provide accurate information, it does not warrant or make any representations regarding the accuracy or reliability of the information on this site. Your use of this site is at your own risk. Neither Gravity Lending nor its affiliates shall be liable to any person or direct or indirect loss, damage (whether actual, consequential, punitive, special or otherwise), injury claim or liability of any kind or character whatsoever based upon or resulting from your use or inability to use this site, or any information or materials provided on this site. Gravity Lending is not liable for any defamatory, offensive or illegal conduct of any user. If you are dissatisfied with the site or any material on the site, or with any of Gravity Lending’s Privacy Policy or Terms of Use, your sole and exclusive remedy is to discontinue using the site. 

© 2020 by Gravity Lending

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*Rate listed is stated as APR: APR is the Annual Percentage Rate. The APR you qualify for may differ based on a number of factors including the county and state of your primary residence, credit profile, the year model of the vehicle, your debt ratio, the loan length, and the loan to vehicle value ratio.

*Advertised 1.99% APR based on a representative example of refinancing a 2018 or newer vehicle with a FICO score of 750 for a term of 36 months.

**Monthly Savings: Average monthly payment savings shown was calculated from all funded applications between Jan 1, 2020, July 9, 2020, where our clients accepted a lower payment. Payment is a calculation of the approved interest rate, selected term, and amount financed. Your actual savings may differ, more or less and you can typically customize many aspects of your loan to find the savings you want.

**Total Savings: Average monthly payment savings shown was calculated from all funded applications between Jan 1, 2020, July 9, 2020, where our clients paid less over the life of the loan. Your total savings can be more or less depending on a combination of the rate approved, the term selected, and the total amount financed.