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Green City Loans

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.

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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 scoreAvailable to borrowers with good or bad credit
APR5.99 to 35.99%
Loan amount$1,000 to $50,000
Terms91 days to 72 months
Approval turnaroundAs fast as one business day after approval
FeesNo fee to use Green City Loans’ service
Late, prepayment, NSF, loan origination and other fees vary by lender

Green City Loans contact information

Phone numberNot disclosed
Customer service hoursNot disclosed
Emailsupport@greencityloans.com
X, formerly TwitterN/A
FacebookN/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:

  1. 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.
  2. View offers from its partner lenders. After processing your information, Green City Loans matches you with offers from its network of partner lenders.
  3. 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.
  4. 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

Name Product USFPL Filter Values APR Min. credit score Loan amount
Best Egg personal loans
Finder Score: 3.8 / 5: ★★★★★
Best Egg personal loans
7.99% to 35.99%
640
$2,000 to $50,000
Fast and easy personal loan application process. See options first without affecting your credit score.
Upstart personal loans
Finder Score: 4.2 / 5: ★★★★★
Upstart personal loans
7.80% to 35.99%
300
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
SoFi personal loans
Finder Score: 4.4 / 5: ★★★★★
SoFi personal loans
8.99% to 29.99% fixed APR
680
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no required fees.
Upgrade
Finder Score: 4 / 5: ★★★★★
Upgrade
9.99% to 35.99%
620
$1,000 to $50,000
Check your rates with this online lender without impacting your credit score.
LendingPoint personal loans
Finder Score: 3.3 / 5: ★★★★★
LendingPoint personal loans
7.99% to 35.99%
Not stated
$2,000 to $36,500
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
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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?

There are currently no conversations or comments on Reddit about Green City Loans.

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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