Green City Loans: Good Potential, Lack of Reviews
Green City Loans isn't available on Finder right now.
- Max. Loan Amount
- $50,000
- APR
- 5.99 to 35.99%
- Min. credit score
- Available to borrowers with good or bad credit
Our verdict
Compare loans with flexible terms, but the platform is untested and lacks customer feedback.
Green City Loans is a website that helps borrowers find loans by prequalifying them online and presenting them with offers from partner lenders. While its loan matching service is free and available to applicants of all credit types, the lack of customer service by phone, its newness in the marketplace and the absence of online reviews create uncertainty about its reliability.
Best for: Borrowers who want to compare multiple loan offers and are comfortable using an untested company.
Is Green City Loans legit?
Yes, Green City Loans does seem to be a legitimate loan-matching service. On its website, the company states that applicant information is kept safe with advanced security technology, using encryption standards to securely transmit and store data.
However, it sells certain information to third parties, which could cause you to receive unwanted marketing materials. Plus, with no online reviews on sites like the BBB and Trustpilot, it’s hard to determine how trustworthy Green City Loans is.
What makes Green City Loans shine?
Like many loan matching services, Green City Loans offers potential borrowers access to a wide range of loan options. Whether you need to borrow $1,000 or $50,000, lenders in the Green City Loans network provide flexible loan amounts to fit various financial needs. You can also choose from various repayment terms ranging from 91 days to 72 months.
Green City Loans doesn’t provide a minimum credit score requirement, but all credit types are welcome to apply so it may be an option for those with less than stellar credit. APRs are competitive, starting at 5.99%, but these are typically reserved for borrowers with excellent credit.
Where Green City Loans falls short
The biggest downside of finding a loan through Green City Loans is the company’s relatively new presence in the marketplace. With no reviews on the BBB or Trustpilot websites, it’s difficult to assess the company’s reliability and trustworthiness. Plus, if you want to talk to customer service, you’ll have to send an email. There’s no way to contact the company by phone or social media. It’s lack of contact information and reviews are a stark difference from better known top personal loan lenders on the market.
And because Green City Loans is a loan matching service, you won’t know if there are fees for loan origination, late payment, insufficient funds or prepayment until you receive offers directly from lenders. It may match you with loans that don’t meet your financial needs. Be sure to evaluate the terms and ensure you can repay the loan before signing any agreements.
Green City Loans: loan details
| Minimum credit score | Available to borrowers with good or bad credit |
| APR | 5.99 to 35.99% |
| Loan amount | $1,000 to $50,000 |
| Terms | 91 days to 72 months |
| Approval turnaround | As fast as one business day after approval |
| Fees | No fee to use Green City Loans’ service Late, prepayment, NSF, loan origination and other fees vary by lender |
Green City Loans contact information
| Phone number | Not disclosed |
| Customer service hours | Not disclosed |
| support@greencityloans.com | |
| X, formerly Twitter | N/A |
| N/A |
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How to qualify for Green City Loans
To be matched with lenders in the Green City Loans network, you need to meet the following criteria:
- Be at least 18 years old
- Be a US citizen or permanent resident
- Have a valid email address, work phone number and home phone number
- Have a job and be in your current position for at least 90 days (or have another legal source of income)
- Earn at least $1,000 per month after taxes
There’s no minimum credit score listed on the Green City Loans website. The company encourages applicants with good and bad credit to apply.
How to apply
Applying for a loan through Green City Loans is fairly straightforward. All you need to do is:
- Prequalify on the Green City Loans website. Enter the amount you want to borrow and provide your personal details, income and direct deposit information to receive prequalified offers.
- View offers from its partner lenders. After processing your information, Green City Loans matches you with offers from its network of partner lenders.
- Choose an offer and complete the application. Compare the various offers, choose the one that best aligns with your needs and fill out the formal application on the lender’s website. This step requires a hard credit check.
- Sign your agreement and receive your funds. Once the lender approves your application, review and sign your loan agreement. Your funds will arrive as soon as one business day.
How Green City Loans compares to other lenders
Green City Loans reviews and complaints
| BBB accredited | No |
|---|---|
| BBB rating | NR |
| BBB customer reviews | No reviews |
| Trustpilot Score | Green City Loans does not have any Trustpilot reviews. |
| Customer reviews verified as of | 17 October 2024 |
Green City Loans is a loan matching service that opened for business in 2024. Because it’s so new, there aren’t any reviews available on either the Better Business Bureau or the Trustpilot websites. At this point, the company doesn’t even have a profile on either website. This lack of reviews makes it challenging to gauge the trustworthiness of this newcomer to the lending market.
What do people on Reddit say?
Frequently asked questions
Is Green City Loans a direct lender?
No, Green City Loans is not a direct lender. The company offers an online platform where it matches potential borrowers with approved lenders in its network.
How long does it take to find a lender through Green City Loans?
It only takes a few minutes to fill out the online request form and receive matches. From there, you need to go to the lender’s website and fill out an application. You should find out if your application has been approved within 24 to 48 hours.
How much does a loan through Green City Loans cost?
Green City Loans matching service is 100% free to use. The company earns its money by generating leads for lenders in its network. The lender you match with determines the loan’s overall cost, so carefully review loan offers to see how much you’ll be expected to pay in interest, loan origination fees, etc.
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