Green Sky Credit - Profile & Reviews

From the GreenSky web site:
What if I have a problem with my merchant, the loan or your company?
On behalf of all funding banks participating in the GreenSky® Program, we want to ensure that you are fully satisfied with the GreenSky® Program. If you ever have any concerns that we should be aware of, please do not hesitate to contact us at service@greensky.com. We will work on behalf of your lender to try to resolve your concerns in a way that is professional, transparent, and fair.

BS - Called when we were unhappy with the retailer's service (3 day blinds, see their terrible reviews elsewhere) and were told they wouldn't help, go look at our contract. Any credit card company would have put the transaction under dispute. STAY AWAY!!

I would give it a 0 if I could. It takes forever to pay this company. It seems like they charge extra interest offf the interest. I called to get my payoff amountl, and was told that I had to pay the iall of the nterest that's included in the payoff amount. SMH

ervice Titan just informed me they are unaware of GreenSky's bait and switch scheme they are using to victimize those they refer. Green Sky is lying to Service Titan and saying there's no minimum while then suspending accounts and demanding a $100,000 minimum be met aggressively a month into the contract.

We signed up as a merchant for Green Sky based on a recommendation from our job booking software, Service Titan. When Green Sky was advertising to us and to Service Titan they told us there would be no minimums and that this would be just an easy add-on option for the convenience of our customers. We quickly found out that Green Sky operates a bait and switch type hustle.

Within a couple of months of offering financing and after signing up several people with various plans we received a concerning phone call from a Green Sky representative where they were extremely disparaging and insulting and implied that we were "wasting their time and resources" by lending to less fortunate people. And basically asked us to discriminate against who we offer financing to and try to only offer it to people who can afford the short term options (pay off in 6 months, no interest, etc). When I let him know that we have to offer financing to everyone and withholding that information and discriminating against who we lend to is not only unethical but illegal. He then got rude with me and told me he was just going to deactivate our account (since we were not on board with the classism I assume). At that time I also reminded the Green Sky rep that all of our calls were being recorded and what he was saying was extremely troubling. He quickly tried to backpedal, deny everything he said (too late) and then the gentleman hung up and we quickly realized our account had been suspended.

We called Service Titan and were made aware that Green Sky is not following their agreement as Green Sky had lied to Service Titan and told them that there was no minimum and they would work with us. What Green Sky really does is get you signed up under false pretenses then about a month or so in you will receive a phone call from a Green Sky rep. That rep will threaten to suspend your account immediately if you do not agree to the following terms:

1) You actively "look" (discriminatory) for clients that can "afford" to do short-term financing, not long-term (3mo, 6mo no interest, etc) (asking to not sign up those who can't afford short-term financing).

2) You must offer Green Sky Financing as your FIRST option for payment, meaning no matter what job you're doing (even service calls) you have to push your customer to at least apply for greensky or they will suspend your account and tell you that you're not a good fit for greensky.

3) You must agree to do at least $100,000 in financing as a merchant and you are encouraged to sign up people no matter what circumstance even when they've already objected.

We actually agreed to try and achieve the 100k mark but we believe that since we raised concerns about their ethics and predatory lending practices they refuse to work with us. We have been falsely told it would be turned back on numerous times on a recorded line and nothing has come of it. Also, everything stated in this review can be verified with the recorded phone conversations that we have saved in Service Titan when your agent called us. He also refused to give his name after I made him aware that what he was asking us to do was discriminatory and illegal.

This is an incredibly predatory loan company. They charge you basically the same amount as your minimum monthly payment in "finance charges" every month. Their interest rates are asinine, and their customer service is abysmal. I would do business with a prince from Nigeria email scam before I would do business with them again.

On their policy and agreement they state that they help resolve issues if services received were not satisfactory. But its not true, they clean their hands, and even if the service is clearly terrible quality, you still have to pay for it. As a consumer, it has been a terrible experience.

I would give zero stars if I could. We are a small business and applied to be a merchant. We were approved and completed the training. Our account was deactivated after 2 days of being activate!!! Fast forward to 3 weeks later and over 10 hours placed on hold with no one to answer as to why our account was deactivated, I get a call stating that we need to submit more paperwork to become a merchant!!! Ridiculous!! Thankfully while I waited for them, we were approved thru a different company. Good riddance!!

We used GreenSky as a merchant to help our customers get the systems needed. During the pandemic they literally terminated our account for inactivity. When I called in to question and explain I was told they have the right to make any changes or decisions that they want. I was offered to reapply which I did and then was denied because they also changed minimum income requirements to 1 million dollars!!! Maybe a good solution for the monsters out there but for a small local business I wouldn’t recommend them to harshest competitors.

In February, 2020, I replaced my roof. I was encouraged to work through Greensky because there was no payment due for 18 months!. What a lie! I paid them off in one month. Just when I thought it was safe to go out in the water again, I saw that they had given me a $10,000 credit limit. They also told me they owed me a refund of about $80.00 and that it would be sent it a month. I was shocked to receive a statement saying that I now owed about $6,500.00. I sent a statement showing that I had paid the amount due to both them and the roofing company. When I called they assured me a mistake had been made. I talked to a manager and apparently all is well. We will see when I hear from them again.
DON'T EVER DO BUSINESS WITH THEM! i reported them to the BBB and filed a dispute with Experian.

GreenSky has the rudest customer service reps ever. I called because I have been questing my bill for months and why my balance is going down as I am paying above the average payment and they are just belittling and talk down to you. I would not recommend GreenSky to anyone. Go to Wells Fargo!
This company seems to love to disrespect military service members and when I did get a loan through them for my AC unit, my mom isn't well and couldn't deal with the heat. This company decided to tag a simple $39 fee then instead of allowing me to pay anything off on it to bring it down waited to mail me my account number documents and then reported the overage the same day they put it in the system without notifying me nor allowing me to correct the issue before they reported it. Shame on GreenSky as they are nothing better than Rent To Own companies. I paid 3 months of added on payments before any went to principal even thought I paid above the minimum balance. I am not happy at all with this company.

And its because they know I'm Active Duty Military!!

DON'T GET A LOAN FROM THEM!!

They have really poor communication or they intentionally misled me. The were very persistent about my business applying for their services. I asked what qualification was needed, among them was having been in business for 2 years which I don't quite meet . The agent said they could work with me and still persisted that I apply.

My application was rejected within 12 hours because of being in business less than 2 years. I asked the underwriter why their agent would say they could work with me and she said that upper management just changed the criteria "yesterday ". That all seems rather fishy or at the very least incompetent. I hate to imagine how they would treat my clients.

Probably dodged a bullet here.

Transparency rating is ZERO. Truth in advertising rating is ZERO. Charge fee of $39 and then wants to charge 2.83% on fist 6 months when Pella advertised 0% interest for 48 months. Wanted to share my personal information with other companies so they could sell me/ read harass me. Wanted to use my email for their own purposes to sell me/ read harass me with more marketing. True scam artists. CEO/Founder is a scam artist as well. Stay clear of this company if you are looking for TRUTH and HONESTY. After 45 minutes on the phone I DECLINED their services and wrote Pella that they should re-evaluate their relationship with the company. Pella is THE best window/door company in America. Seems to me their affiliating with Green Sky is anathema to their values.

Well guess we should have read the reviews before doing business with them changed our payment double to what was agreed after our work was done tried to resolve it with no help they didn't even try to right there wrongs we paid them off warning tell all your friends do not do business with greensky ever. The Rockwells

Green Sky, LLC (https://www.greensky.com/) lending in corporation with SafeStreets USA (https://www.safestreets.com/), an ADT (https://www.adt.com/) authorized provider of consumer security systems, had me sign paperwork to enter into an agreement with GreenSky, LLC for an extensive line of credit worth thousands of dollars without my knowledge under the pretense that I was only financing two smoke detectors for $199 each (not including tax and installation).
The ADT/Safe Streets provider indicated that ADT does not "sell" smoke detectors. Instead GreenSky, LLC lending purchases the smoke detectors and finances the purchases, while ADT does the monitoring. I was told by the SafeStreets USA representative that GreenSky, LLC lending would send me a monthly bill for $11.00 for 36 months at 0 interest either online via the GreenSky portal or I could request a paper copy of the monthly bill through ADT. This $11.00 would cover the cost of financing for the two smoke detectors.
So, I financed the purchase of two smoke detectors. Within an hour after installation, I got a congratulatory notice via email from GreenSky stating that I got approved for and entered into an agreement with them for an $8,500 line of credit at a monthly billing cycle of $236.11. Additionally, within the same hour, I also received a bill from SafeStreets USA for $421.88 for the two smoke detectors.
Several things were wrong with this marketing:
1. I was only told about the cost of the two smoke detectors, not the line of credit nor its amount. The line of credit GreenSky took out on me was $8,500; however, the cost of the two smoke detectors was $421.00. The disparity clearly takes advantage of a consumer's ability to preserve his/her financial liquidity.
2. GreenSky determined the amount of the line of credit. During the SafeStreets USA marketing discussion, I was not able to negotiate the line of credit GreenSky took out, nor did I enter any numeric dollar amount on the keypad which would have allowed me to control the amount of the line of credit.
3. The line of credit GreenSky took out was extensive and would clearly impact on the amount of available credit I would have access to for other issues moving forward in the future.
4. When I contacted GreenSky, their representative stated that the agreement I entered into with did not allow me to lower my line of credit comparable to the purchase of the two smoke detectors. The representative stated, "by law" I had to take out a line of credit totaling $3,500 dollars based on the loan product.
5. This has extremely adverse affects on your credit in two ways:
a. It's a line of credit that hits your credit whether you actually use the line or not.
b. They do it via a "virtual" visa credit card account, so when you take out the credit, your credit drops and when you cancel with Green Sky, your credit drops.
It was communicated to me by a SafeStreets USA manager that this scheme was being implemented via partnership between GreenSky and SafeStreets USA as a "pilot program."

Even before you get the first bill this company starts charging a Finance fee or interest. Who does this?? You don’t even have the possibility of avoiding this charge since you haven’t gotten a bill yet!!
No Eg credit card charges you interest Before you get the bill- only after Missed payment. I would not recommend this company to anyone.

Used a $5000 GreenSky loan to partially fund our roof replacement. It wasn’t until after the work was complete that we found out we were being charged the roofer’ credit merchant fee of 3.5% AND GreenSky’s merchant fee of 4.75%. $412.50 just in merchant fees alone sounds pretty excessive to me.

I didn't have much of a choice when I financed with Greensky. I was getting laser hair removal from Ideal-Image and Greensky is the financing company they use. I financed with them about 18 months ago. The original amount was $2,980. I am now only down to $2,130. after almost 2 years of paying $100 a month. when I logged into my account, I saw that Greensky is charging me a monthly $59 financing fee on top of my payments. So basically they make it so that you can never get out of debt with them. I'm just waiting to get my tax refund this year so I can pay them off and be done. I feel like I've been taken complete advantage of.

I never heard of this copmpany! This company specifically told me that my payments would be $147.00 a month, after 4 months I noticed my payments were increasing. My monthly payment is now at $238.78. The work honestly was not worth it. I was conned. Buyer PLEASE beware. Don't believe anyone who approaches you on your street.

I had a company do work on my home who use GreenSky. Due to unethical business practices of the original company, I believe the loan fell through and they had to give the money back to GreenSky. GreenSky came up out of nowhere with some unexplainable amount. I believe they are trying to intimidate me into paying finance charges on a non existant loan. I told them I want something in writing and was told " we dont do that" I also asked if the original company had to give back all the money and was told "we can't tell you that"

Going through a divorce and they won’t transfer the account to my ex husband, who was more than willing to take the loan, having to sell the house now because of this and they will not put a lein on the house to protect themselves and myself.

We paid them off a month ago. They cashed the check and still have not credited our account. We spoke with numerous managers and no one can do anything. This is seriuosly one horrible company. 0 stars

DO NOT use this company to finance your solar deal. If you are are Solar company do not use the company to finance your deals. They are the biggest waste of time ever. Their company has the worst communication of any company I have ever dealt with. They steal money from you and hose and harass your customers

we paid our loan off two years early after making 2 an 3 payments at a time. got the pay off amount, and wrote a check to pay off in full. Have a copy of the canceled check from our bank which shows it was cashed 5 days before the actual due date. Now getting late payment calls. Have sent twice a copy of the canceled check, and this matter still has not been resolved. Never again will we do business with this company,
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I have a 0% loan same as cash for 12 months however they include the interest on the bill and in amount owed. they should only show the balance before the interest but it shows I'm being charged interest every month. When I tried to call them I cannot speak to a person!!!

I will never do business with Greensky again. They do not post payments in a timely manner. I've made 23 payments and GREENSKY takes at least 1 week to post my payment AFTER they've received payment. I pay all my bills thru Bank of America. Everyone except GREENSKY post the payment same day. GREENSKY's dishonest business practice results in higher interest than should be charged. STAY AWAY FROM GREENSKY !!!!

Im going to make a long story short: I got a loan for $11,895 for a necessary home improvement in out basment for structural purposes. I will have to pay this loan over the next 12 years... the interest will have me paying $19,000 total about $7000 in interest....no one explained this to me

Don't believe anything these people tell you. They are liars & Crooks just like Power Home Remodeling. They issued out funds in my name without my approval. The work on my home is still incomplete! Yet they expect me to pay for inferior and incomplete work. Customer service is non existent. Do not do business with these people you will regret it!!!

I've worked with GreenSky for a long time now, and they never fail to disappoint. Poor customer service is an understatement. I can't imagine they'll be in business much longer, or at least I hope they're not.

2nd worst company I have dealt with in 45 yrs. 1st is Feldco for financing my project with this company. Takes half a month for a payment to post to your account, so, when the payment is due on the 1st, you better send your payment by the 15th of the previous month. It takes 15 days to post a credit? in this day and age of computers and instant everything? Yeah, right. Run don't walk away from any credit from this company and any company that attempts to put you with them.

I ordered Anderson Windows they use this company green sky. no one tells you that when you do this the same as cash amount goes as a loan from the bank they choose and do not tell you about ahead of time. It crashed my credit from mid 700 to mid 600s. it also appears as if you are not making payments on your credit. Then when i saw this i quickly cancelled the windows. They said they can cancel the windows at Anderson but they cannot cancel the Green sky Credit loan on the bank. I could not reach green sky they would not help me played games. They dont want you to cancel. I was not told it would show as unpaid loan for the six months. wow never ever use this company. It stayed on credit really long and even the bank they used it at would not cancel it. Anderson would not cancel greensky. ALFUL waste of my time. and hurt credit.

Jessica lied about everything she said. They said I had a loan which was canceled by the company. They also said that all of the work was completed none of the work was completed. I would never ever recommend this company for any kind of business because they are liars. Between green sky and easy energy/EnergySage they are both crooks!!

I had a billing error upwards of $750 so I called in to see what could be done. I was expecting to be on the phone for a few hours and to be transferred 15 times but the first person I talked to, Mike three way called the billing specialist Jonathan who took care of the problem right away. Entire process took 20 minutes. It was very nice and surprising that a company gives their first line the authority of discretion to take care of problems like that. After that a supervisor came on the line for some quick quality control to make sure my greensky experience was everything they want it to be. Color me impressed

I contacted this company regarding a mistaken email that belonged to one of their clients. They were the only company out of many whom I contacted, which replied to me and assured me they would contact their client and inform them of the problem. I don't know much about the company, but I can say they are responsive to making things right for those they serve.

I redeemed over 26,000 in reward points on my Green Sky/Benjamin Moore Mastercard account on 5/7/18 and ordered two $100 and one $50 dollar gift cards for Bass Pro Shops. I noticed they subtracted the 26,000 points from the total and left me with 1,643. I didn't get a reference number or an email. Then I received a letter on 6/4/18 saying all Gr. Sky/ Benjamin Moore master cards were being closed on 7/13/18. So I called Green Sky Credit on 6/12 /18 and was told to call back if I haven't received them then. I called today and was told they weren't honoring any rewards under 50,000 points and didn't have any record of my order.

I am refinancing my house with a cash back and debt payoff. I have tried several times to get the required payoff statement. They keep saying they faxed it, emailed it and sent a paper copy. I never received anything. Talked to supervisor she said she would put a rush on it. Nothing. Had my loan officer call with me. Exact same results. They don’t want to miss out on the interest if I pay it off before the year. The refinance might fall through because of them. I owe 50,000 that will go to 100,000 if not paid within the year. Shady business.

Just got off the phone after 1/2 hour of being stressed and harassed!!!
Had all the paper work done at the home depot... put a $1,000. down and wanted to finance 3,000. my credit is great! they wanted to loan me $15,000. This company is so ineffective, stupid and rude! I want to sue them for the stress they cause me.

Okay so first and foremost I was attract to this company and the financing service they're offering because of their rates and fees. It almost seemed to good to be true but my gut told me to give them a shot after some consideration. Well, now I'm glad I did because in the end everything worked out just as advertised! This company is a gem in the financing industry and I only wish they were more known because I stumbled upon them accidentally, and I was originally planning on going with a bigger financing company. Anyways, things worked out perfectly and I'm super excited having found out about GreenSky Credit! :)

Thank you!

We were lied to by the Solar company we used to install our solar panels. We were told that we would get our solar credit and be able to pay off first loan by Apr 15th. Well, you don't get the full refund credit, the government holds those refund funds for 5 yrs and deducts any taxes you might have to pay in the next 5 yrs, if you don't owe you loss. I asked Greensky to refinance the one loan and bring the interest rate down to the second loan of 3.99%. The customer service rep, said well your credit wasn't good enough at the time of loan to give us 3.99%. Well both loans were made at same time, large loan is 3.99% but the smaller loan at 23.99%. I have questioned them over and over with no reply. The customer service went so far as calling me a lair. I have shared my opinions to the solar company and they are no help either. Five calls and still nothing done. My suggestion is find another finance company, this company sucks !!!!!!!! Had to give them ones only because no zero's.

Buyer beware!! paid off my balance 2 months prior to deadline. They withdrew the money out of my bank but continued to send me past due invoices. If you call them your call is going to go around and around with no results. Three hours on the phone now and no luck getting help.

Fast approval. No additional fees. No interest paid on garage door installation service and I waited until the last month to pay it all in full. I guess people had issues when they set up reoccurring payments, that's why I didn't have the same experience. But looking now to finance my kitchen remodel through them. Thank you green sky

I attempted to make a full payment with time frame that would not collect interest. Aftet making the payment in full which even the "payment plan specialist" confirmed was the full amount. I received another bill with "late fees" and interest. I can't believe that any company with an integrity would do busy with them or even attempt to mislead you into a loan with them. This a con group more than anything

Unbelievable. They offered no APR for one year. Started paying my bill and there it is - a finance charge on my account! They say they will reimburse you once the account is paid off ? Are you kidding me ? I want to pay off my balance not my balance and the APR.

My new AC system was financed through Greensky (no choice) for 18 months interest-free. I made the last payment and they took out an additional $500 for no reason but to steal my money. I've talked to supervisors and managers and I can't get my $500 back. It actually shows a $500 credit balance on my account. I'm going to have to file a lawsuit in small claims court to get my money back. I cancelled my account so they wouldn't keep taking my money out of my checking account (hopefully), but that remains to be seen. DO NOT deal with Greensky. I can't believe they have not been put out of business. They violate every law on the books and they are still operating.

I paid my loan 100% and green sky still deducts monthly payments.can't get a response from anyone at the slimy company.i only give 1 star because 0 isn't listed.

GreenSky sent me a contract written in Spanish. I can't read Spanish and asked for a contract in English. Got a second contract in Spanish and no matter how many times I tried GreenSky this past four months I can't get an English contraact. I have tried to enroll in the customer portal so that I can check payments, etc. After four months and many calls and attempts I cannot go online with the GreenSky system. I wrote a peronsal letter to David Zalik, C.E.O,, asking for help with NO REPLY! The company brags about good service and their integrity but it is nothing more than a lie!

They don't give details about your loan as they should and I think this is a combined evert between the vender and green sky, they sent me terms late in the mail dated before the mail had the chance to reach me , they sent the term late so the vender time limit would expire to resend the sell, and made it easy for the vender to make the approval for the loan on the spot letting you think you will have to wait and then have time to review the terms not true vender told me I had approved the loan on the spot and signed a paper to prove it ,and I did because he misled me to believe I was signing something else read small print and have it checked with lawyer ,Their small print reminds me of the disclaimer on TV adds. You cant read them as fast as they push you to sign the paper work and when they explain the paper work my feeling is they lie. I FEEL THE VENDER AND GREEN SKY ARE ON THE SAME TEAM, I am a basket ball and they are throwing me back and forth to make their goal. A SLAM DUNK, that's me and the only thing I can do is pay for the ticket to be in the game. But just to show you they are good sports they let you ride the MARRY-O-ROUND for free but , you have to pay up front to have someone to let you off , the cost is whatever interest they decide you will pay and of cores after paying interest up front you can pay off the loan if you don't like how they are treating you. This is how they make their money and get it back quick , advice DONT DO IT ! disclaimer wish I could write this to small to read everything I wrote is how I believed to be true or not. They are asking me to rate value, from one to ten one being bad my rating would be negative ten. They are asking about quality what quality ?there was none. They are asking about service , In case you didn't know after reading this bad. They ask me about responsiveness lets see if they are, so far no. I am sorry for everybody who has had a bad experience with the way they call business I say this because this is the only SORRY you are going to get. JACK. N

I entered into a loan where my understanding was 18 month promotional period with no interest as long as the body of the loan is paid. Turns out terms are exactly opposite, in that your listed monthly payment is ONLY paying interest for 18 months, with none of the monthly payment applied to principal.

You will be charged the interest every month, and additional principal must be paid on top of it in order to pay off your loan. This is explained almost nowhere on a website that barely works. If you did not have the money to pay it off in full there would be no way out of this type of loan.

Customer service will be happy to remind you 'you signed a contract'

This company is here only to take your money. AVOID AVOID AVOID.

Made account online to review statements and pay bills. Then you have a separate account to actually pay the bills. Well then every time you try to log on the password needs to be reset. Literally call them up once a month to reset password. It's been five months now. This is not a situation of forgetting it. I write it down and its there next to my computer and labeled. They have no explanation for it. They also charge interest before services are rendered. Go with one that can also follow through with the loan... It's been the worst experience I've ever had.

Signed contract for windows with Window Nation. Have setup account as directed with GreenSky. Tried to access and told that input was incorrect. Requested password oas directed on site and told that my email address does not exist. Checked by trying to set up account only to be told that account alresdy exists. Still no joy and no email response. On another note, they spelled my name incorrectly. Not very professional.

I have had a loan with GreenSky for the last 2 1/2 years. A few month's ago I tried to refinance my mortgage and the mortgage company wanted a copy of my latest statement. I have made no fewer than 6 calls requesting a statement but no statement arrives. They verify my address for the umteenth time and a post card so I know they have the correct address but still no statement, just keep asking me to wait for it. They won't fax a copy to the company and they won't send me a copy via email citing security
The mortgage company is getting fed up with me and I am losing out on saving on my mortgage.
I won't recommend anyone opening an account with this company because they don't take care of their clients.
I won't recommend anyone opening an account with this company because they don't take care of their clients!