GreenSky Personal Loans

GreenSky Personal Loans

in Personal Loans from GreenSky LLC

Claimed Special OffersSpecial Offer Available!

GreenSky Personal Loans

Claimed Special OffersSpecial Offer Available!

in Personal Loans from GreenSky LLC

SuperMoney Net Recommendation Score -69% 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.

Strongly not recommended

2 users recommend
0 users are unsure
11 users don't recommend
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Community Rating Strongly not recommended
Loan Amount $3,500 - $55,000
APR  (Fixed APR) 6.99% - 23.99%
Loan Term 36 - 84 months
Number of Reviews 13

GreenSky Personal Loans Review

GreenSky Personal Loans is offered by GreenSky LLC, a financial services company founded in 2006 and based in Atlanta, GA. GreenSky Personal Loans is available in 50 states (and Washington, DC).

Key takeaways

  • Fast access to cash. In some cases you can get your money within 1 business day.
  • Fair credit accepted. The credit score needed for GreenSky Personal Loans is relatively low. Borrowers with a credit score as low as 640 may qualify for GreenSky Personal Loans.
  • Large loan amounts. You can apply for loan amounts of up to $55,000 with GreenSky Personal Loans.
  • Hard credit pull required. You can't check your rates or see if you prequalify for GreenSky Personal Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • No origination fee. GreenSky Personal Loans does not charge a loan origination fee.
  • Super long loan terms. GreenSky Personal Loans offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.

GreenSky Personal Loans Pros and Cons:

Pros Cons
  • Low APRs available to qualified borrowers.
  • $0 prepayment fee.
  • $0 origination fee.
  • GreenSky Personal Loans does not report to credit bureaus.
  • Considers applicants with poor credit.
  • Fast funding.
  • APRs as high as 23.99%.
  • Do not offer pre-approval with soft credit pull.
  • Charges a late fee.
  • No co-sign option.

What rates and terms does GreenSky Personal Loans offer?

GreenSky Personal Loans has lower interest rates than the average for lenders reviewed on SuperMoney.

What APR rate does GreenSky Personal Loans offer?

GreenSky Personal Loans offers a fixed APR personal loan product that ranges from 6.99% 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 Personal Loans?

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

What can a personal loan from GreenSky Personal Loans be used for?

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

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

GreenSky Personal Loans 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 Personal Loans Rates & Terms
Loan Amount $3500 - $55000
Loan Term 36 - 84 months
APR 6.99% - 23.99%

What fees does GreenSky Personal Loans charge?

Does GreenSky Personal Loans charge an origination fee?

GreenSky Personal Loans 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 Personal Loans charge a late fee?

Yes, GreenSky Personal Loans may charge borrowers a late payment fee.

Does GreenSky Personal Loans charge prepayment fees?

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

What do you need to qualify for GreenSky Personal Loans?

Applicants with a credit score of at least 640 and up to 850 are eligible for GreenSky Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

GreenSky Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. GreenSky Personal Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via GreenSky Personal Loans. Their rates fall within the limits of The Military Lending Act.

GreenSky Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Credit Score 640 - 850

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

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

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

Special Limited Time Offers

Special Offers

0% interest for 12 months!

Get 0% interest for 12 months when you work with a GreenSky Pro.

Learn how to take advantage of this special offer by clicking on the link below.

Message from GreenSky LLC

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

About GreenSky Personal Loans


  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  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Credit Score Range 640 - 850
Loan Amount $3,500 - $55,000
APR (Fixed APR) 6.99% - 23.99%
Loan Term 36 - 84 months

GreenSky Personal Loans Community Reviews


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