GreenSkyOnline: GreenSky Credit Application Review

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The GreenSky Programs make it easy for contractors to offer affordable financing to customers who qualify.

Customers will want to have a credit score at a minimum of 650 (or higher).

GreenSky is the servicer for one of the nation’s largest bank lending programs.

Please note GreenSky is NOT a lender, they are a provider and program administrator for federally insured, federal and state-chartered banks.

GreenSkyOnline Loan Program

GreenSky bills themselves as a “link between contractors, their customers and banks. We bring everyone together and simplify the loan process, from application to decision/approval, to payments.

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GreenSkyOnline Reviews and Payment Login

  • GreenSky, LLC currently has 304 complaints via the Better Business Bureau (i.e. BBB)
  • CreditKarma users give GreenSky a 2 out of 5
  • Yelp user reviews smack GreenSkyOnline with a 1.5 out of 5
  • give the home improvement loans from GreenSky a 3.6 out of 5

Generally speaking, GreenSky Online does not receive great reviews from what we found on Google.

Payment Login (aka GreenskyOnline Payment Portal):

GreenSky Credit Application Page:

GreenSky Customer Service

  • Toll-free: (866) 936-0602
  • US Mail: GreenSky PO BOX 71215 Charlotte, NC 28272-1215
  • Email:

The GreenSky Online phone number is available Monday to Saturday from 6 am – 12 am OR Sunday: 8 am – 12 am (ET).

greensky credit requirements

Greensky Credit Requirements

  • Must be 18 years of age or older
  • Have a credit score of at least 640
  • A legal resident of the United States

GreenSky Credit minimum credit? $3,500

GreenSky Credit maximum credit? $55,000

Interest rates are fixed and customers will not be charged an application feed (general APR’s range from 4.99%-23.99%).

If you do not meet credit score requirements please check out our “Credit Cards for Fair Credit Ultimate Guide“.
GreenSky Credit Fun Facts

GreenSky is not a lender. We are a service provider and program administrator for federally insured, federal and state-chartered banks that provide consumer loans under the Programs.

GreenskyOnline Register

Registration is super easy and not time-consuming at all (so don’t fear!).

Simply head on over to and follow the step by step instructions.

Please note you will need your credit card number and a valid email address.

Greensky App

Greensky provides an app called “Greensky Merchant” via the App Store.

This app is only available on the App Store for iOS devices (sorry Google fanboys).

Other Personal Loan Options

Participating lenders are federally insured, federal and state-chartered financial institutions providing credit without regard to age, race, color, religion, national origin, gender or familial status.


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