Finance Your NEXT Project

From deferred interest promotions to affordable budget-minded options, our loans are an easy and convenient way to pay for any improvement project. 

FINANCING SOLUTIONS FROM GREENSKY

Plan #4129: No Interest if Paid in Full in 12 Months

  • No Interest if Paid in Full in the first 12 Months followed by 96 months at 9.99% APR (108 month plan)
  • Merchant ID #81076389

Plan #1069: 0% for 6 Months followed by 9.99% for 120 Months

  • First 6-Months 0% APR No Payments followed by 120 months at 9.99% APR (126 month plan)
  • Merchant ID #81076389

Plan #2786: Reduced Rate 9.99% Fixed Interest Rate for 96 Months

  • Reduced Rate 9.99% for 96 Months
  • Merchant ID #81076389

GREENSKY DECLINED?
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LOAN CALCULATOR

GREENSKY FREQUENTLY ASKED QUESTIONS

Please reach us at hello@area-homeservices.com if you cannot find an answer to your question.

Who is GreenSky and what does it do?

The GreenSky® Programs make it easy for contractors to offer affordable financing to customers like you. GreenSky is the servicer for one of the nation’s largest bank lending programs. Banks in the GreenSky® Programs have financed more than one million home improvement projects.

You can think of GreenSky 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. 

Is GreenSky a lender? Who is my loan with?

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 GreenSky® Programs.

As a borrower, you received a loan agreement that identifies the bank that is offering and funding your loan. This loan agreement is between you and the funding bank directly. However, GreenSky services your loan at the direction and control of your lender, so any questions you have should be directed to us. 

Why does my credit report show "GreenSky"? I thought I was applying for credit with my contractor or merchant?

Credit reporting is made in the GreenSky® Program name to help you identify inquiries and reporting with your GreenSky® Program loan. The actual loan agreement for your loan is between you and the bank that is funding your loan. However, GreenSky will be servicing your loan, so any questions you have should be directed to us. 

Is my loan tax deductible?

We cannot provide you with tax advice. In general, however, GreenSky® Program installment loans are personal loans and are not mortgages that qualify for a tax deduction. 

I received an email from GreenSky asking for my personal information. Should I provide this information?

Add an answer to this item. No. We never send emails requesting account information, customer passwords, or log in credentials. Protect your personal information and never click on unsolicited web links provided in email or other correspondence. If you are unsure about an email you receive from your lender or the GreenSky® Program, please sign in to your CSSP Profile to send us a message. If you’re unable to sign in or have a question, please contact us

GETTING STARTED WITH YOUR GREENSKY LOAN

I’ve been approved for a loan. Now what?

Congratulations! First, you will receive an email “Notice of Approval” that includes a link where you can get your loan agreement and other materials you will need to use your loan. We will also send you a physical copy of the loan agreement and these other materials in the mail.

Once you have received your loan agreement in a form you can retain and wish to use your loan to pay your merchant, you must activate your account. You may activate your account online or over the telephone ((866) 936-0602) with a GreenSky agent. You will also receive a text message and/or email with a link to activate your account. 

What does my Loan Agreement mean?

Note: There is no need to physically sign and/or return your Loan Agreement. You accept the terms of and sign the Loan Agreement electronically.

Once you have received your loan agreement in a form you can retain and wish to use your loan to pay your merchant, you must activate your account. You may activate your account online or over the telephone ((866) 936-0602) with a GreenSky agent. You will also receive a text message and/or email with a link to activate your account. Even if you activate your account, you have no obligation on your GreenSky® Program loan until you have an authorized transaction on your loan.

Your loan agreement package contains a number of items that include vital information about your loan terms, the GreenSky® Program you are participating in, your credit profile, and your lender. Please review each part of your loan agreement package carefully before you activate your account and authorize your contractor/merchant to process a transaction on your GreenSky® Program loan.

If you have any questions about your loan or the contents of your loan agreement package, you can contact us by signing in to your CSSP Profile and sending us a message. If you’re unable to sign in or have a question, please contact us

What if I don’t want to use my loan?

The application and approval processes simply establish a loan offer from the funding bank for qualified borrowers. If you are approved for a loan, you have no obligation on the loan until and unless you use the account to pay for a transaction. If you do not want to use your loan, you may close your account at any time before you authorize a transaction by signing in to your CSSP Profile and sending us a message. If you’re unable to sign in or have a question, please contact us

Do I need to sign my loan agreement?

By activating your account, you are making an electronic signature on your loan agreement. Your electronic signature has the same legal effect as a physical signature but allows you the convenience of transacting when you are ready and not having to return a physical copy of your loan agreement to your lender. 

What is a "deferred interest" loan? Do I have a 0% interest loan?

GreenSky has prepared materials to help you understand your deferred interest loan. If you have a question, please contact us

MAKING PAYMENTS TO GREENSKY

When is my payment due?

Greensky will send you billing statements showing, among other things, transactions on your account, the minimum monthly payment due, and your payment due date. Your payment due date will be the same day of the month every month until you pay off your loan. 

How do I repay my loan?

You may make a payment online at https://greenskyonline.com/greensky/home, by sending a check to the address on your billing statement, or by calling (866) 936-0602 and making a check by phone payment. 

How do I use the online portal?

 Our portal is located at https://greenskyonline.com/greensky/home. Once you register, you can manage your account, view billing statements, and make payments. You can also make a payment without registering.

On the portal, you can make a one-time payment, set up a series of up to six (6) individual payments, or establish recurring auto payments. It’s all designed to make it easy and convenient. 

How much is my payment?

Your payment is set by the terms and conditions of your loan agreement and is a function of your authorized purchases. Your loan agreement provides you with an estimated repayment schedule that includes the amount of each monthly payment based on full utilization of your credit limit. Keep in mind, however, you are only obligated for the actual payments you authorize to your contractor/merchant.

Each billing statement will identify the transactions on your account, the interest that is being billed to your account, the principal balance, and actual minimum monthly payment due for that billing cycle. 

Can I repay my loan with a credit card?

Unfortunately, we cannot take credit cards as a form of payment for your GreenSky® Program loan. 

Why am I getting a billing statement when my project hasn’t started?

If there is a transaction on your account, it may reflect a down payment or deposit that you authorized, even though your project had not started at the time of the transaction. If there is a transaction on your account that you did not authorize, please message us immediately by signing in to your CSSP Profile and sending us a message. If you’re unable to sign in or have a question, please contact us