GreenSky Reviews 

There is an application started with my name that I didn't...they wont talk to me with out me giving them PII info about it...terrible customer service.

Worst company I have ever dealt with. Had to because that is the only company my electrician provided. Stay away!!! My tax refund will go to being away from these con-artists.

I applied for a loan and when I saw the interest rate and terms I did not proceed with financing through Greensky. Greensky reported to the Credit Bureaus that I opened an account. When I contacted Greensky they told me it was my responsibility to close the account even though I never opened an account. Everything about this company seems shady.

We go through greensky because we got windows through Renewable by Anderson and let me tell you was the worst thing we could have done. Greensky has hidden fees it's seem like the cost never goes down because once your done paying more monthly fees are added. Absolute horrible company. If you want to be paying for something for ever steer clear of these crooks.

This company is a money hungry outfit. Please do not do business with this company. They do things behind your back, and without your knowledge, and make you out to be the bad guy. If I had read the reviews of this company, I would have NEVER DEALT WITH THEM!!!

I would not recommend GreenSky. Despite having an excellent credit score of 822, I was offered a loan with a 12.99% interest rate, which is surprisingly high for someone with strong credit. I expected much more competitive terms, and this experience was disappointing. I would suggest others carefully review their options before moving forward.

My bank sent a payment on 3/5/26. It did not clear my bank and Greensky did not post it as received. I tried reaching Greensky on five different phone numbers. All said the same recording: We are gathering information on a late payment. I tried everything to reach a human but that was impossible. Here's what what Greensky advertises:
For all questions, concerns, and issues related to your GreenSky account, please contact one of our Customer Service representatives at service@greenskycredit or 866-936-0602.
(email not allowed in review)

Need I list the other four numbers I tried that all had the same recording about collecting information and then offering me payment options, none of the options led to a service rep or human of any description .
I paid off the balance of the loan today. I will not deal with this company ever again and same for the company that recommended it.

They scammed my grandpa out of a ac unit he purchased was supposed to cover his whole property he has a 3 bedroom house the unit they uncharged him only works for one room in the house this company is a scam do not do business with them let’s all come together and file a claim against them or something this is not right

Poor customer service & communication. Almost every single customer we referred to apply for financing through them was denied, and I reached out to get information and to help our customers with absolutely no responses whatsoever. But as soon as I emailed our rep to cancel, they had our account cancelled in less than 30 mins. Guess my questions for actual customer use didn't matter, but my cancellation did? Not a company I'd recommend to any companies considering home services financing.

I bought carpet from express carpet. They use greensky to do a “No interest for 12 months” thought it was a great deal until my Security company called and said they sold my info on the Dark Web!!What finance company would sell your info to anyone?
What a Scam

Be aware that this company is involved in scams and works with contractors who are also scammers. I spent almost $10,000 on a new driveway, but now I don't have the money or a proper driveway. The contractor's work was of the lowest quality. My driveway is cracking and rusting, making it look like it's 40 years old. It's a total loss. Thank you Greensky

I'm only giving one star because it's the minimum that can be given. They take advantage of older people. They are charging me late charges though I haven't even had it for 30 days, they don't tell you when the payment is due and they don't send a contract. They are hard to get in touch with wouldn't recommend ever ever.

Was lied to. On Payment plan. Any company that uses Greensky will not be getting my business.

I am only giving one star because it is the minimum that can be given. I wouldn't even go that high. This company is basically a legal loan shark. They will give you a decent rate however what they wont tell you is that out of your payment 90% of it will go to fees. You will end up paying two or three times what you borrow. Stay as far away from this company as you can.

crappy company rejected me even though I have great credit. now i will have a hard inquiry because I thought prequal meant soft check

I want to point out something important because a lot of people don’t realize the difference between true 0% interest and deferred interest.

This GreenSky financing through Hiller was true 0% promotional interest — not the kind where they go back and charge interest on the original balance if you don’t pay it off completely. I didn’t pay the full balance off during the promo, but I paid it down significantly. When the promo ended, interest only applied to the remaining balance, not the original amount.

Everything worked exactly as explained. Payments posted correctly, no surprise charges, and no retroactive interest. If you understand the terms and use it responsibly, this is a very fair and transparent financing option.

As other people have said- you must release the funds if most of works has been done. But, we are still waiting for updated plans and final inspection from county and the work was done May 31st 2025. Over 5 months they have their money we don't have the work done.

1 Star — Predatory, Misleading, and Absolutely Unacceptable

My father — a senior citizen — became the victim of what feels like a predatory and deceptive financing trap involving GreenSky. He never knowingly signed up for a GreenSky loan. A Terminix representative took his bank card under the claim that he was setting up automatic payments directly to Terminix. Instead, my father was secretly enrolled in a GreenSky loan he had no knowledge of and did not consent to.

My father only learned about GreenSky after letters started coming weeks later, claiming he owed payments. At that point, he felt he had no choice but to pay, because the account was created without his knowledge and he didn’t want to risk damage to his credit.

For over a year, GreenSky drafted money out of his bank account — and in many months they drafted twice:

the regular automatic payment, AND

a late fee, even though he never even knew he was in a loan program to begin with.

To finally escape this nightmare, on September 8th, my father paid $2,658.58 in a single lump sum just to be done with GreenSky — after already paying monthly for a full year. The day before, on September 7th, the regular automatic draft of $187 came out as well.

Then, on October 10th, GreenSky emailed my father saying that fees were being waived and he would receive a refund check due to a credit balance. We took that as confirmation that the nightmare was finally over.

But no — it continued.

On November 14th, GreenSky emailed again, claiming my father’s account was late, as if none of the adjustments, payments, or their own written promises meant anything.

Not only was my father signed up for a loan without his knowledge, he was then charged, penalized, double-drafted, and pressured into paying off a loan he never agreed to — only to be told later he had a credit and a refund coming, and then immediately told his account was “late” again.

This is beyond unacceptable and feels intentionally designed to confuse and pressure older customers who trust service companies inside their homes.

If this is how GreenSky operates — allowing contractors to sign unsuspecting seniors up for loans behind their backs, taking payments for over a year, drafting late fees on top of automatic payments, and still sending “late” notices after admitting a refund is owed — then consumers should stay far, FAR away.

I would strongly warn anyone, especially senior citizens, to avoid any contractor that uses GreenSky financing. Based on our experience, it feels predatory, misleading, and financially damaging.

We would never recommend GreenSky to anyone.

BEWARE
Horrible .
They will release all funding at contractors request without checking with customer even when work
was done poorly, and incorrectly
Work with green sky and you loose all
control over contractor accountability.
Green sky works for the contractor not the loan applicant.

I wouldn’t recommend them to my worst enemy.
Most of their customers are unhappy with their experience with GreenSky (1.7 stars on Yelp, 1.5 stars on TrustPilot, 2.1 stars on CreditKarma, 1.1 stars on the BBB ) Their employees are burnt out and stressed out. (3.2 stars on Glassdoor with the lowest reviews coming from customer facing roles). Even the merchant have left quite a few negative reviews.

Their loyalty is to the money.

(1) App Process & Merchants

Preying on the elderly
Merchants will have older customers fill out loan applications w/out fully explaining that they are submitting a hard inquiry credit application.

Underprepared
Merchants will refer potential customers to GreenSky w/out providing them the required information needed to start an application, leading to phone tag or extended application time.

Misinformation
It is apparent that the salesmen that are pitching these GreenSky loan are either not doing their training (ex. not being prepared with the required information for the verification & application process) or are intentionally misrepresenting the loan terms when explaining them to the customer. (Ex. Advising the potential customer that they have a “no interest, no payment” loan for the first 12 months. Failing to explain that the customer would need to pay back the loan in full within those 12 months in order to avoid paying interest as 24.99%)

Unethical Practices
Allowing a spouse or family members to submit applications on behalf someone else.
Stating they can not leave the customer’s home until they receive a payment from GreenSky
Insisting that customers activate their GreenSky account’s before they can receive their copies of their loan documents.
Charging the customer’s account before the customer can receive their copies of their loan documents.

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(2) Customer Service

Customers Not Receiving Statements
During the application process, customers are sometimes automatically placed on paperless billing leading to missed statements and missed payment.

Limited Service for Non English Speaking Customers
If you don’t speak English, you are SOL. There are a limited amount of bilingual Spanish agents & the only translation services offered are Spanish.

Automated System
The automatic system is overly complicated… that is one of the most frequent complaints. It’s just as big of a pain for the agents.

Communication
* Statements are confusing. Redundant information, nonsensical format
* Payment confirmation email should be sent after funds are pulled from the bank (which can be 3-5 business days after payment is submitted)
* Merchants are providing different information than agents