GreenSky
Depends
Confidence: High
Contractors closing high-ticket remodel, roofing, or solar jobs may still benefit from offering its fast financing options.
New check
Comparison
GreenSky vs Hearth
GreenSky and Hearth both land on Depends.
Hearth
Depends
Confidence: Medium
Worth it only if customer financing is central to how you close big-ticket home improvement jobs . and you calendar the renewal cancellation.
| Compare | GreenSky | Hearth |
|---|---|---|
| Verdict | Depends | Depends |
| Best for | High-ticket remodel contractors | Big-ticket home improvement jobs |
| Who it's not for | Consumers who won't clear the promo balance within the window | Cash-based contractors who never offer financing |
| Privacy | 2021 CFPB enforcement for unauthorized loan openings; class actions over credit-report access; no confirmed breach in reviewed sources.³ | No public CVEs found; Hudson Rock flags medium threat posture with 89 infostealer credentials tied to the domain. |
| Support quality | 1.4/5 Trustpilot; pervasive service complaints | Facebook praise versus billing complaints on Reddit |
| Public sentiment | Consumer reviews skew sharply negative . misleading promo terms, service complaints, and regret dominate, even as contractors keep offering it.¹ | Trustpilot is strong, but Reddit contractor threads and PissedConsumer flag surprise charges, high APRs, and unauthorized renewals.14 |
| Biggest gotcha | Deferred-interest promos: miss the payoff window and the rate kicks in retroactively¹ | Auto-renewal trap: third-party review says calendar cancellation 45 days before renewal |
Pick GreenSky when
- High-ticket remodel contractors
- Roofing and solar sellers offering financed jobs
- Borrowers with strong credit paying promos off fast
When GreenSky is not a fit
- Consumers who won't clear the promo balance within the window
- Anyone wanting plain, transparent loan terms
- Small contractors without admin staff for financing disputes
- Shoppers who refuse hard credit pulls before comparing rates
Pick Hearth when
- Big-ticket home improvement jobs
- Contractors whose deals hinge on financing
- Selling monthly payment options on-site
- Remodelers needing e-sign estimates
When Hearth is not a fit
- Cash-based contractors who never offer financing
- Handymen wanting simple invoicing only
- Anyone avoiding auto-renewal contracts
- Buyers demanding published, predictable pricing
Sources
- GreenSky Reviews: 1,458 User Ratings - WalletHubwallethub.comreview
- GreenSky Customer Service Reviews - Trustpilottrustpilot.comreview
- CFPB Takes Action Against GreenSkyconsumerfinance.govnews
- GreenSky Personal Loans Review - Crediblecredible.comreview
- GreenSky Review - NerdWalletnerdwallet.comreview
official
review
- GreenSky Credit Report Class Actiontopclassactions.comnews
- Use GreenSky Financing in ServiceTitan Mobilehelp.servicetitan.comofficial
news
official
- Hearth Pricing | Plans for Every Stage of Growthgethearth.comofficial
- Contractor Financing for Your Customers | Hearthgethearth.comofficial
- Hearth Reviews | Trustpilottrustpilot.comreview
- Hearth Finance . Reddit r/Contractorreddit.comreview