GreenSky Reviews 

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

This is the worst credit company I have ever had to interact with. Andersen Windows had my father take out a loan through Green Sky for window replacements. My father passed away and my brother and myself are trying to settle the account. We just need a payoff amount, loan number and payoff address. I ve wasted hours on the phone with them while I jump through hoops with the first person who says they will transfer me to an account specialist, only to get to an account specialist who won’t help. We have provided them with all the required documents to attend to the account on our fathers behalf but still get the same run around getting passed from person to person ever 15 minutes. I am very sure they are playing a stall game so we miss the payoff deadline. We are getting a lawyer involved.

Guess I don't have to say much, It is pretty much covered in all the other reviews I have read. Not worth doing business with. They charge you interest at a drop of the hat.

On June 28,2025 I used the automated system to pay bill 331.87. On July 1,2025 They took the amount of 666.07. I know that I did not agree to pay that amount of 666.07. On today July 2th when I called in to ask if we could fix it because I know what I wanted to pay 331.87, the representee was not helpful, She had me on hold for a long which she did apologize for but then the phone hung up and she did not call back and I know she have my number because of the verification of the caller which she done at the beginning of the call. I would like to get the other half of my money back.

I paid a 30K roofing bill to greensky within 1 week of the job completion. 2 YEARS LATER THEY HAVE NOT CONTACTED THE CREDIT AGENCIES TO HAVE THE LOAN TAKEN OFF OUR REPORT. THEY SUCK LIKE NO OTHER.

GreenSky LLC handled the financing for multiple 3DayBlinds purchases from 9/2024. 3DayBlinds was extremely difficult to deal with and delivered poor merchandise. Two huge orders were returned. The first return, GreenSky handled professionally since I dealt with a GS account manager, Tina, and funds were properly refunded.
But, the most recent order to be returned was over $2,300.00 and GreenSky could not figure out the remaining balance and send statements accordingly within the contracted 12 mos same as cash contract. They continued to bill me more than my balance for 2 statements. The no interest was to end 9/2025 but GS added finance charges.
Chat online was useless as believe it was outsourced overseas and reps are reading a screen without understanding. Since the remaining balance was low, I just paid it off today and unable to take advantage of the 12 month no interest offer.
What's hysterical is the payoff letter, emailed but not requested, contradicted itself.
This finance company is supposedly connected to Synovis Bank and would never use either again when purchasing a high priced item and offered a no financing program by GreenSky.

We recently opened a loan for solar panels and whole house batteries. GreenSky released %50 ($19,000) to the vendor before checking if the work eas done. The vendor went bankrupt. So by thevtime I was notified of thecrelease of funds, the money was gone. Then they held mevto pay the $19,000.00 because they said it was in my agreement. I am still trying to get to binding arbitration but they put up so many barriers I am worried aboit my stellar credit. If I knew how low their business stamdards are I would have NEVER done business with them. This is my opinion of GreenSky. Do your due diligence. I thought I did.
P.S. when you call customer relations you will get the run around. Very unprofessional on the phone. They will say? "Weare so sorry you had a negative experience." Then they will do nothing to make it right. Just my opinion.

I have now entered my correct routing and bank account information (3) times to begin payment on a home improvement project.

Each time I have received a "payment cannot be processed".

I contacted them and they repeatedly said it was on "my end"... hmm I have had the same checking account for 20yrs and I know my routing and account number.

Something is not right.

Finally, they contacted me. Blamed me for entering the wrong checking account number, but would not provide me with screen shots from their system to prove it, if I was in the wrong I could admit it.

They had no problem processing my payment, will be taking screen shots going forward of what I enter.

Who would expect "Goldman Sachs" to have a loan subsidiary that goes out of their way to deceive the average loan-holder? I exhaled today making my final payment for ANDERSON WINDOWS for zero interest, but it was NOT a good deal. I paid it off using balance transfers to get more time with zero interest. Avoid GreenSky. Their statements are deceptive in showing exorbitant interest charges during the "0 interest" payment period and you have to dig to find the true current balance. The average consumer will be alarmed by their presentation of the statement alone. It's stressful to get ANY loan, but "zero interest" should create less stress. They go way out of their way to dangle interest charges (that are ridiculous) in front of you at every turn to scare you and make themselves look powerful and onerous. And this is only the beginning. I've no doubt the other practices are riddled with this posture and that deceptive lending is part of their shict.

I can't believe that Ohio Basement Authority, in Columbus Ohio, had me take out a loan with Greensky loans. I have not received any information or communication with this company about my loan. Not sure how to pay my loan, balance or anything else. Never again will I deal with Ohio Basement Authority or Greensky.

I signed up for a loan three years ago to install solar panels but have yet to receive the product for my homes. The last contact with the solar company was on September 11, 2023, when they informed me that the original plans for my home would not work and that they would reach out to the city of Denver to review new structural plans. At that point, I asked the solar company to cancel the project, as it had already exceeded the quoted one-year timeline.

Since then, I have not heard from the solar company, but the loan provider has continued to charge me for a product that was never installed. When I explained the situation to the loan provider, they stated they would reach out to the solar company but were ignored.

As a result, I have now been reported as delinquent on the loan payments for solar equipment that was never delivered. This has severely impacted my credit score, and I have yet to find a resolution with Green Sky or the solar company.

Just used this company to cover a new furnace at recommendation of furnace company. I haven't received loan docs, statements etc. That I was specifically told would be mailed.
Bank bill pay sent payment a full week before due date with guarantee of timely delivery...but 2 weeks later no record of receipt. I called to ask and was told holidays might delay posting. Finally posted 9 days past due date. Since this is a zero interest loan and late payments can void that and result in hefty interest charges I'm concerned. Their rep assured me late posting won't affect terms...but she also promised to mail loan docs and statement, which never happened. I sure wish I'd looked up reviews before committing, but I trusted my contractor. Big mistake.
I just have to hope for the best. I will reschedule my bill pay for 2.5 weeks before due date so it cannot possibly be late even if they sit on payment again. So far it seems to be a good deal with really lousy service. Cross fingers.

You should be thankful if GreenSky turned you down… they accepted me & my stupid self signed the paperwork & did not read the fine print. If someone had said “oh,& btw- we will be charging you $100 a month IN INTEREST ONLY!!! I am on a strict budget but was stuck.. Homeowners insurance would not cover me if I didn’t get a new roof & hurricane season was getting closer. So I go to Swordsmen roofing who makes me think that they are loaning me the $ / GreenSky & Swordsmen must have some kind of scam running together. I will NEVER be able to get out from under this while paying $133 a month & $100 is interest alone! I can’t believe SwordsMen referred me to the worst finance company ever!

Green Sky won’t tell building contractors that if their sales are less than 3 million they will only fund 20% of the loan amount which means the contractor needs to fund the job. Why would any contractor or homeowner want to be involved if they are not going to fund the job. Contractors are not going to finish the job if they don’t get paid. It just feels like a scam. Check their horrible reviews. RUN!

Own my own house and property Over 700 credit score, 2 incomes, many credit cards with low usage ........ denied for 4000.00 carport, Save yourself grief and don't apply. What a waste, inquiry is on there 2 years now.

Like every other company of this nature, they have completely insufficient telephone support. Why these various companies dont have about enough the support to keep the hold times under 5 minutes is ridiculous. They seem like that just savor the idea of torturing us with voice mail jail and extended hold times if you ever manage to break free.

GreenSky does not protect the consumer, gives all the money to the contractor and does not investigate the contractors well, REBATH HEAVEN entered my house offering great service, the project was 2 bathrooms, flooring of the entire house and patio for $ 35k which would be financed through GreenSky, REBATH HEAVEN turned out to be a scam, they broke my bathroom and master bedroom, they started doing everything wrong, and when they were complained about they got lost, they did not finish the job, in fact they closed their comapany. I had to finish it myself by my own means and after 6 months of investigation GreenSky decided to charge me 21k for that scam. For me both Rebath Heaven and GreenSky are scammers.

They changed principal and payment terms. Tried to overcharge principal. Scammers of old people.