GreenSky Personal Loans Reviews

1.0 out of 5 stars
13 Reviews

From Borrowers in the last year


Application Process

3 out of 5 stars

Customer Service

2 out of 5 stars

1 5

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1 star reviews (13) See All

These reviews were written by current and former borrowers in the last year.

Jun 17, 2019
Deceptive and Poor Customer Service
MMDetroit Borrower

The approval process was quick and easy. The website was easy to use. I set up autopay to make sure I wasn't charged the astronomical interest rates after the introductory period. However, the customer service representitives (as I called multiple times about this issue) were not clear about the interest charged. They say the company does not charge interest if the principal loan is paid off within 12 months. They indicated interest is charged to the account and when the principal amount becomes $0, they say they will waive the interest. In my experience, the interest was deducted in addition to my last partial payment of $29 (set up on autopay.) This caused an overdraft on my checking account. When I called to dispute it, I was told that the amount would be credited to bank (my autopay method) within 30 days.  After 15 days, I called to check on the process and I was told they do not refund to the original payment method, but they would mail me a check within the next 30 days. The customer service agent also lied to me, saying that I had set up the last payment on my own and that I had overpaid. (Which doesn't make any sense, because if I manually made the payment, I wouldn't have charged myself the interest they had told me repeatedly that I wouldn't be charged for.) I do not recommend them.  

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Jun 14, 2019
they are predators

they are eating me alive, i needed a dental implant and my dentist referred me to get loan from these thiefs so i did and  the problem is i keep paying only interest and the amount i owe never goes down, they charge me  too much interest almost 30% of my loan. they take advantage of people in need its horrible

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Jun 14, 2019
mills10210 Borrower

You should run from them they are Crooks I was 2 days late on a payment and they charged me a $60 late fee also they called me two days afterwards the lady was extremely rude and told me that she was attempting to collect a debt like I was months passed due do not use these people run

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Jun 06, 2019
Ronie123 Borrower

Worst loan company ever, please stay away from Greensky. If I could give them a 0, I would. The interest rates are unbelieveable and customer service is as bad.

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Apr 23, 2019
Worst Loan company ever!!!
dumbpeople Borrower

Impossible to cancel an approved loan.  I have tried 3 times to cancel my loan.  Loan is still open, and there has been 2 unauthorized transactions on it which I had to get removed which is still in the process of doing that.  I am currently waiting their response from a BBB complaint.  Do not use this company.

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Apr 19, 2019
Greg3112 Borrower

Feel like I was taken advantage of with this promotional nonsense where your first 6 months of payments only go to interest and your principal goes up worst decision ever.

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Apr 16, 2019
Deceptive, bad customer service
damzel Borrower

Told me I was getting an interest-free payment plan, instead ran my credit and opened a credit account with Green Sky Credit who charged me interest, claiming they would credit the interest at the end of the term. They sent me a check for the interest after i paid, AND IT BOUNCED! I have since been waiting for Green Sky customer service to solve this for over a month and a half. Green Sky says it is their Ideal Image account manager who is "solving" this. I am furious, waste of my time. The treatment i got at Ideal Image was fine, but is the deceptive sales practice of "iinterest--free payment plan" which was not acceptable, as well as the lack of proper customer service resolution from Green Sky, the company they set me up with.

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Mar 05, 2019
The Worst! Do Not Sign Up!
flee89 Borrower

As a mechanic, I signed up through MAC Tools. Green Sky Credit was the company that was handling the credits. I have been making weekly payments every week ever since I was approved in August 2018. Just recently I found out my account was closed through Credit Karma. I spoke to my Mac Tools dealer and he called Mac Tools corporate on 2/26/2019. Corporate called Green Sky Credit, but since they needed me to answer personal information questions, I was advised to call and let them know my account should not have been closed. I called today 3/5/2019 and spoke to Joanna or Joanne. Right off the bat, she was rude talking to me. I asked why my account was closed when Mac Tools said it should not have been. I asked for them to reopen my account because it was a mistake. She said my account was closed because I was not making payments. So I logged into the Green Sky Credit account and checked all my history. It shows all payments were paid on time. Since they closed my account, my credit dropped 114 points! I'm still trying to fight this.

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Nov 07, 2018
ts1809 Borrower

Horriblel company to ever have to deal yourself some time and sanity and DO NOT I repeat DO NOT ever use them. I hate to even have to give them 1 star.

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Oct 20, 2018
Stay Away
Probizman1 Borrower

On the verge of preditory loans. Your first several payments are nothing but fees and interest. They can't process my bill pay service in less than two weeks, without sending me an e-mail telling me my payment is overdue. And I schedule my payment 2 weeks early.

I would give them less than one star if that was an option.

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**Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based on analysis of information provided by the consumer and available rate information from lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 12%) and only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Additionally, model year, loan-to-value, minimum loan balance mileage, income, debt, etc. restrictions may apply. When evaluating offers, please review the lender’s Terms and Conditions for additional details.