in Personal Loans from GreenSky

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in Personal Loans from GreenSky

SuperMoney Net Recommendation Score -33% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

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Community Rating Mostly not recommended
Loan Amount $3,500 - $55,000
APR (Fixed APR) 4.99% - 23.99%
Loan Term (Months) 36 - 84


Where does GreenSky do business?

GreenSky is a lending platform based in Atlanta, GA. Founded in 2006, GreenSky offers access to personal loans in 50 states (and Washington, DC).

What rates and terms does GreenSky offer?

What personal loan APRs does GreenSky offer?

GreenSky offers a fixed APR personal loan product that ranges from 4.99% APR up to 23.99% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via GreenSky?

Loan amounts start at $3,500 and go up to $55,000.

What can a personal loan from GreenSky be used for?

Personal loans from GreenSky are typically used for special purchases, home improvement projects or similar purposes.

What is the maximum loan term you can get with GreenSky?

GreenSky offers personal loans with terms ranging from 36 to 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

GreenSky Rates & Terms
Loan Amount $3500 - $55000
Loan Term 36 - 84 months
APR 4.99% - 23.99%

What fees does GreenSky charge?

Does GreenSky charge an origination fee?

GreenSky does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does GreenSky charge a late fee?

Yes, GreenSky may charge borrowers a late payment fee

Does GreenSky charge prepayment fees?

No, GreenSky does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

GreenSky Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for a loan with GreenSky?

Applicants with a credit score of at least 640 can apply for a loan via GreenSky . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

GreenSky only considers borrowers who are employed.

Active duty servicemembers and their covered dependents are eligible to apply for a loan via GreenSky. Their rates fall within the limits of The Military Lending Act.

GreenSky Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Joint Applications Accepted? No
Credit Score 640 - 850

What is the estimated funding time for a personal loan via GreenSky?

GreenSky will typically provide a credit approval decision in less than an hour and fund the loan within 10 days.

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  • Headquarters
  •   1797 Northeast Expressway NE
    Atlanta, GA 30329 USA
  •   Visit Site

Message from GreenSky

GreenSky® Direct is a leader in home improvement loans, giving homeowners the financial freedom to pay for their next home improvement project.

About GreenSky


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Minimum Age 18
Credit Score Range 640 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Loan Amount $3.5K - $55K
Loan Term (Months) 36 - 84
APR (Fixed APR) 4.99% - 23.99%



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