Gravity Lending vs Navy Federal Credit Union:Which is more popular in the United States?
In October 2026, Navy Federal Credit Union had more branded searches than Gravity Lending among auto refinance companies in the United States. Navy Federal Credit Union had about 8,100 branded searches, while Gravity Lending had 5,400. Navy Federal Credit Union made up 24.5% of all auto refinance company searches we track, and Gravity Lending accounted for 16.3%. When we asked ChatGPT and Google AI Overviews about auto refinance companies, Gravity Lending and Navy Federal Credit Union each appeared in two of the five answers. Navy Federal Credit Union was mentioned before Gravity Lending in every answer that named either.
Who do people search for more?
Navy Federal Credit Union, about 50% more searches than Gravity Lending
Who does AI mention more?
Both were mentioned in 2 of 5 answers.
Who does AI recommend more?
Navy Federal Credit Union, named ahead of Gravity Lending in 2 of 2 answers
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Top auto refinance companies in ChatGPT and Google AI Overviews
In three ChatGPT questions and two Google AI Overviews, Gravity Lending and Navy Federal Credit Union were each mentioned in two out of five: in one of the three ChatGPT answers and in one of the two Google AI Overviews. Navy Federal Credit Union was listed before Gravity Lending in every answer that named either.
Most recommended by AI
Brands get a higher ranking if they are mentioned earlier in the answers.
Mentioned by AI
Each dot is one answer, filled in when that answer mentions the brand.
PenFed Credit Union5 of 5Named in 3 of 3 ChatGPT answersNamed in 2 of 2 Google answers
Caribou3 of 5Named in 3 of 3 ChatGPT answersNamed in 0 of 2 Google answers
myAutoloan3 of 5Named in 3 of 3 ChatGPT answersNamed in 0 of 2 Google answers- Navy Federal Credit Union2 of 5Named in 1 of 3 ChatGPT answersNamed in 1 of 2 Google answers
Gravity Lending2 of 5Named in 1 of 3 ChatGPT answersNamed in 1 of 2 Google answers
Autopay1 of 5Named in 0 of 3 ChatGPT answersNamed in 1 of 2 Google answers
RateGenius0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers- iLending0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers
See every answer about auto refinance companies
5 answers
Asked ChatGPT
“Where's the best place to refinance my car loan?”
Asked ChatGPT
“Which companies offer the lowest auto refinance rates?”
Asked ChatGPT
“Is it worth refinancing my car, and who should I use?”
Searched Google, AI Overview
“auto refinance”
Searched Google, AI Overview
“best auto refinance”
Not named in any answer:
Brands are shown in the order each answer named them. The survey took place in United States on October 27, 2026.
Is Gravity Lending or Navy Federal Credit Union more popular in search?
This chart shows how often people search Google for Gravity Lending and Navy Federal Credit Union by name. Each line represents a brand's share of searches for all eight auto refinance companies we track, month by month, from searches in United States.
Share of searches by month for Navy Federal Credit Union, Gravity Lending. The figures are in the table below the chart.
View monthly share of searches table
| Month | Navy Federal Credit Union | Caribou | Gravity Lending | Autopay | RateGenius | iLending | myAutoloan | PenFed Credit Union |
|---|---|---|---|---|---|---|---|---|
| Nov 2025 | 24.3% | 13.2% | 19.9% | 10.7% | 16.2% | 8.8% | 3.2% | 3.7% |
| Dec 2025 | 24.9% | 16.6% | 16.6% | 7.4% | 16.6% | 8.9% | 3.1% | 5.8% |
| Jan 2026 | 25.8% | 11.5% | 17.2% | 9.4% | 17.2% | 9.4% | 3.4% | 6.3% |
| Feb 2026 | 28% | 10.2% | 18.6% | 8.2% | 18.6% | 8.2% | 3.7% | 4.5% |
| Mar 2026 | 28.9% | 12.9% | 19.3% | 6.9% | 15.8% | 8.6% | 3.1% | 4.5% |
| Apr 2026 | 22.1% | 12.1% | 14.8% | 6.5% | 12.1% | 8.1% | 2.2% | 22.1% |
| May 2026 | 21.6% | 9.6% | 14.4% | 6.3% | 11.8% | 7.8% | 2.2% | 26.4% |
| Jun 2026 | 28.1% | 12.5% | 18.8% | 10.2% | 12.5% | 8.2% | 2.8% | 6.8% |
| Jul 2026 | 33.6% | 10% | 18.3% | 12.2% | 12.2% | 8.1% | 2.8% | 2.8% |
| Aug 2026 | 21.1% | 14.1% | 21.1% | 14.1% | 14.1% | 9.3% | 3.2% | 3.2% |
| Sep 2026 | 24.3% | 16.2% | 19.8% | 13.2% | 10.8% | 8.7% | 3.9% | 3% |
| Oct 2026 | 24.5% | 19.9% | 16.3% | 13.3% | 10.9% | 7.3% | 4.8% | 3% |
Navy Federal Credit Union sells other things too, so only its searches that name this product count here, like “navy federal auto refinance”.
How has branded search for Gravity Lending and Navy Federal Credit Union changed in the United States over the last 12 months?
3 findings
- Navy Federal Credit Union was ahead of Gravity Lending in every measured month of the 12 months ending October 2026.
- Across the 12 months ending October 2026, Gravity Lending’s share of searches among auto refinance companies in the United States moved from 19.9% to 16.3%, and its estimated monthly branded searches held steady at 5.4K.
- Across the 12 months ending October 2026, Navy Federal Credit Union’s share of searches among auto refinance companies in the United States moved from 24.3% to 24.5%, and its estimated monthly branded searches moved from 6.6K to 8.1K.
How did search popularity change for United States auto refinance companies in October 2026?
3 changes
In October 2026, Caribou overtook Gravity Lending to rank 2nd among auto refinance companies in the United States, with 19.9% of the searches.
In October 2026, Gravity Lending lost share of searches among auto refinance companies in the United States, from 19.8% to 16.3%.
Estimated monthly branded searches for Navy Federal Credit Union in the United States rose 22.7% over 12 measured months, from 6.6K to 8.1K in October 2026.
How are Gravity Lending’s and Navy Federal Credit Union’s branded searches counted?
2 search terms
Brandwave collects information about searches that people make online using Gravity Lending’s and Navy Federal Credit Union’s names. When viewed over time, estimated search volumes for these branded terms can be used to understand whether interest in the brands is growing, holding steady, or fading.
Gravity Lending
1 branded search term
- gravity lending
Navy Federal Credit Union
1 branded search term
- navy federal auto refinance
Other head-to-heads among auto refinance companies
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