You have the power of car finance right in your hand, literally. AutoGravity’s car financing app lets you shop cars and lenders for the perfect loan.

The goal: holding the keys to your new dream car. Photo: Scotty Reiss
You’ve probably seen the Rocket Mortgage ads on TV: A buyer stands outside a super cute house and with the touch of a finger to her smartphone, secures a loan, makes an offer and starts to plan to move into her dream house.
What if car financing could be this easy?
But once you’ve fallen in love with your dream car you have to go through the painful negotiation and finance process. At the dealership, you may find yourself remembering the closet that desperately needs cleaning out, the air vents over the stove that need scrubbing or tax returns that need filing. Because financing a car is that much fun.
Until now.
The Power of Car Financing is in Your Hands with AutoGravity
Recognizing that the most dreaded part of car buying didn’t need to be painful if customers arrived at a dealership with financing already completed, AutoGravity founders Andy Hinrichs, Nicholas Stellman and Serge Vartanov started with the mission of simplifying finance through a smartphone app.
They raised money to hire a fleet of engineers to build the AutoGravity’s car financing site and app. Daimler, the parent company of Mercedes-Benz, quickly signed on as a partner.
Fast forward two years and AutoGravity is available in every state except Nevada for new cars, used cars and new car leases. AutoGravity also lists thousands of cars for sale at dealerships around the country so you can price out cars and loans right in the same place.
Lease versus buy: Which is the better choice for you? For your family?

Ladies, start your shopping. AutoGravity’s process, shown in phone app screens here, allows you to select your car, your dealer and your loan.
If Time is Money, This is Already a Better Deal—For You and For the Dealer
Customers who use the app are then able to take the keys to their new car and drive off the lot in minutes, not hours. That’s because AutoGravity lets lenders compete for your business on your time, not while you’re sitting in the dealership or your bank’s office.
“Our goal is to make the finance process take less than 10 minutes,” Serge told us.
Simply fill out your information in the app, identify the car you want, the dealership you’d like to buy from and then the app (or site) provides four loans, possibly even a loan from the dealer you’re purchasing from.
Once you’ve picked the loan you want a code is sent to the dealer. The dealer can print your paperwork for you to sign to close the deal.
You can still negotiate a better deal at the dealership; if are able to lower the price, your AutoGravity code is still good.
And if you change your mind about the car you want AutoGravity has you covered there too.
Buy a car with your phone??? I did. And it was awesome.
Not Just Buying, Smart Shopping, Too
Probably the most confounding part of car shopping is knowing exactly how that big, round price tag will break down into monthly payments.
AutoGravity’s car financing app lets you tinker with different down payments, lease versus purchase deals and new cars versus used cars to decide exactly what is right for you.
You can also cross-shop price, brands and models, see what different dealers are selling the same models for and find the best deal.
7 Car buying tips for a pain-free experience
Avoid the Pain of Dealer UpSelling
Don’t you hate this?
You do all your homework to find just the right car and get your paperwork in order. Then you go to the dealer with a loan in hand from your bank only to have the dealer offer a better loan rate.
Sometimes, it is a better deal.
Sometimes, it’s not.
Often it’s hard to tell.
However, dealers can compete for your loan business so you can see the dealer’s offer right alongside other offers. If the dealer really does make a better offer, you can see a side by side comparison.

AutoGravity’s calculator lets you see your payment–lease or purchase– based on the car you’re considering.
Avoid the Embarrassment of Declined Credit
We all know the moment when our credit card fails to work at the grocery store, or is declined at a restaurant. It’s easy to pull out another card or cash and complete your purchase.
Not so in a dealership finance office.
There’s hardly anything as painful as sitting there for hours filling out paperwork and waiting for approvals to discover that those student loans actually do impact your ability to buy your dream car.
You can weigh these questions and more in the privacy of your kitchen.
And, you can find lenders who will look more at your income than your outstanding loan status, who will show you different interest rates and tell you how much you can borrow so you can plan for just the right dream car.
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Then, Get In Your New Car and Drive Away
And that is AutoGravity’s goal, too; not many people want to spend their precious time off in a finance office.
They want to live their life in that new house, or shop with a credit line or drive off into the sunset in a new car.
And really, shouldn’t the process of being a car be more about happily driving off into the sunset?
Yes!!! My friend used autogravity and got 3 loans in about 30 min. I had no idea I could shop for car loans. Makes total sense.
Sitting at the dealer is the worst. I always wonder what they’re looking at on their screens. Probably trying to figure out how to make the most $ off me base on my outfit and purse. ?