A pre-screened option for a loan is received in the mail. The call went fairly well as I provided needs and options. One of the first things I said was that I could not consider debt consolidation. Today, that's all Howard spoke about and furthermore, the FICO was some 50+ points lower than what Experian shows. He was a bit surprised that my credit limits have not been lowered. In fact, I've had a few increases AND a no-fee card with a low apr arrive. So much for pre-screened offers that provide a wish to get some needed home repairs done and bills paid. read more

I had an excellent experience with Josh from Greenlink. He was very informative, patient and empathetic. Most of the time when you are in a situation like this, the people on the other end assume you just mishandled your finances and got into debt (that is what I would have assumed until it happened to me), but Josh was attentive. He listened to my financial issues and said that he was not going to stop until he was able to find a resolution to my financial needs. Well he did just that and I will be forever grateful to Josh and Greenlink for your support during this financially difficult time. I would recommend Greenlink and Josh to anyone that I know struggling to stay above water because of unforeseen circumstances. Thanks again for everything. Kind Regards, A Rodriguez read more

I reached out to Greenlink Financial for a personal loan in hopes of consolidating my debt. I should have known something was up when the first person I talked to told me he could get me a 9% APR on an unsecured personal loan when everyone else was coming back with 30%. I ABSOLUTELY should have realized something was fishy when the underwriter who called me back started chatting me up about my hometown and telling me how much he sympathized with my position before getting down to business. Ultimately the underwriter told me he was going to give me a "loan" at 0% -- but I immediately realized that he wasn't offering me a LOAN at all, but a debt reduction plan where they renegotiate with my creditors and act as go-between! Which, honestly, may ultimately be what I need but explicitly was NOT what I asked for! And the terms he offered me were worse than other debt reduction companies I have talked to. And the moment I hesitated, the underwriter swooped in for the kill -- he told me that given his experience in the industry, my only options were to accept HIS terms, RIGHT THEN -- don't think about it, don't take an hour to crunch numbers or talk to anyone else -- or file bankruptcy! He actually TOLD ME he was backing me into a corner! At which point I thanked him for his honesty, and I hung up. The kinds of abusive sales tactics directed at me have no place at a responsible and reliable business. The worst part is that he probably gets other vulnerable people to accept his terms every day, by scaring them even more than they already are. Stay away from this company; no matter how bad your situation is, you don't need the old bait-and-switch and hard sell tactics making it worse. read more

IT'S A SCAM, STAY AWAY, NOT TO MENTION POOR CUSTOMER SERVICE. AS SOON AS YOU'RE NOT QUALIFIED THEY TREAT YOU LIKE YOU ARE SHIT!!!! I received a pre-approved letter in the mail and I proceed with calling the lender to find out the details since the offer was very intriguing not to mention the interest rate was really low, 5.49%. Spent almost 30 minutes collective over the phone with the representative, who seems to be very condescending from time to time. As she was explaining the program to me, she kept on saying, "wow, you're over paying, ok? do you understand this?..." 10 minutes into the conversation after taken down all my info, I am still puzzle whether I am approved or not since she kept insisting that she needs to collect more info to send over to the underwriter department. Okay, here I am thinking maybe I am approved but that wasn't the case because the entire time she was misleading me. Long story short, finally, I asked, am I approve or not? Could you at least tell me what amount am I approved for and what's my interest rate? She said, no, you're not approved, but I can help you reduce the debt amount and it would save you a tons of money. I immediately asked if she is offering me a debt consolidation program, which I am completely not interested. She confirmed, no, I am not an attorney and I can't offer you that. I am offering you a hardship program at 0% percentage interest and that you will be debt free in 48 months by paying a reduced amount of your debt. At this point, I informed her, sorry, but I am not interested in this program. She immediately talked over me, she said "well, you need help! I am helping you, if you don't want to, good-luck to you!" She hung up. Haha! Hence, if it is too good to be true, it is. She did mentioned in the beginning that she would do a soft credit pull. If I see a hard inquiry on my report tomorrow or receive an alert, I will definitely report them to the BBB. read more

All I wanted was to get a lower rate and pay off credit card sooner. But I found out that it was a debt relief program which would ruin my credit score. I have a good credit score and had no intention of doing it. They were very shady and would not answer my question when they told me that it was a duplicate application. I understand some people may benefit from this by the way I'm reading other reviews. But if you don't feel good about something, ask questions and do not proceed. read more

I just want to say thank you to Amber who I feel not only helped us with her knowledge to fulfill our needs, but was also personable and caring!!! She was never pushy but was diligent in explaining options and/or scenarios!!!! She made a difference in our decision!! If you wonder why I didn't put 5 stars, it's because i feel as though everyone always have room for improvement; none of us are perfect. So it's not that she didn't deserve; just that we should all work to better tomorrow than we were today. Thank you Amber!!!! read more

I went with this company to help me myTo pay off my credit card loans the send me a paper to say that I can get 5.49 interest rate when I apply they change it to 16.9 and 32% and I am sevenths 740 scoreI just want to let you know be careful don't be like me give up all your Information and find out that you not qualify for low rates know I bring my score down for no reason I just want to be helpful for everybody else don't use this company good luck to everybody I Wsomebody else have this report for me if you say is not score why not 6.9 or 7.9 why right way automatic 16.9 don't trust them ever thing is false information don't trust them I went different company and I got 5.9 with my credit union read more

BE CAREFUL. The "5 stars" reviews are very suspicious. Plz do yourself a favor and reviews ALL reviews, especially the 1 star ones. Cut to the chase, classic BAIT and SWITCH. read more

I received a letter in the mail from Greenlink Financial suggesting I apply for a loan through their company. I understood the risks associated with an organization like this one, but was in a pretty bad place so I thought I would give it a try. Everything seemed to go very well until I received a call from an underwriter who asked if I was open to a debt consolidation program. I responded with a firm "no" and then within seconds, the gentleman in question hung up on me. I'm not the type of person who takes that kind of behavior lightly, so I immediately called back. During my first attempt at resolution, I was forwarded on to a voicemail that didn't allow me to leave a message. The second call back I was hung up on again, and the third came with excuses and the "I'm sorry, but I cannot help you" line. To date, I have yet to discover why I was not approved for the loan and am still unsure as to why they thought it was OK to "bait and switch" me without providing any info up front concerning the option of utilizing their debt consolidation program. If you receive their offer in the mail, I would highly suggest you tear it up and throw it away! It was a horrible experience and one in which I will be reporting to the Better Business Bureau. read more

I read good reviews on here and on the credit karma website so I thought I would give them a call. I received a mailer in the mail. I was already approved for a personal loan through my bank and my credit is good. They told me I would receive word within 12 hours and that underwriting usually calls within 30 minutes. I spoke with Phillip who was very friendly, but no one every called me. I called Phillip's direct line he gave me maybe 4-5 times - no callback. It's been almost a week. Seems suspicious and unprofessional so beware. read more

About a year ago I experienced some health issues and while I had the support to get through the mental and emotional aspect I was not prepared for the financial stress. Even with health insurance I still managed to rack about up about $50K in credit card debt. The bills kept piling up, eventually it felt as if I was simply stapling my pay check to my credit card bills and sending them off to the credit card companies. It was over whelming when I realized how much I was paying in compound interest and how much it was really costing me to use my credit cards. It's not easy to admit that you need help, I truly felt a moral obligation to pay back the money I had desperately needed. The sobering reality was that I just couldn't do it anymore and GreenLink Financial was there to help. Sometime we all need an opportunity to reach out and hit the refresh button. Thank you GreenLink Financial!!! read more

I've been shopping around for a good personal loan for the last couple of days,the thing about me is I'm very particular with rates,since I know I have the leverage by having an excellent credit score and low debt to credit,so I called Greenlink Financial to see whats up since I receive this kind of "Pre-approval" almost every othe day from all lenders. I already filtered my top 2 companies that I'm looking into moving forward;when I called Greenlink Financial. I got the application done over the phone in less than 10 minutes. The next day I got the approval for 6.52,I got a lower rate from the other company but my loan processor beat it and made It 5.46 for 53 months! Very professional and very efficient! read more

Overall, these guys did a very good job for me and I am happy. It's tax time. We all need the extra money, especially when you're self employed. They made the process pretty painless. I do wish they had funded my loan in the estimated 48 hours. It actually took an extra day and I had planned payments around it. I am pleased and may use them again read more

The website where you apply, and enter your sensitive information is NOT secure. How can I trust a financial company that does not have a secure website?!?! I'm glad I checked before entering information! read more

I have to say, you organization is horrible at returning calls. I was told by a senior lender that he would return my call Saturday afternoon. I did not hear from him. After leaving two messages and finally reaching him by phone yesterday, he said he would return my phone call today. Still no call. I am glad that you are so interested in expanding your customer base that you ignore your customers. Thank you for nothing. My experience has been completely negative because of you inattentive ways. read more

Priscilla has amazing costumer service! She was very welcoming, answered all my questions, attentive, and very professional. They had great low rates for loans. I would definitely go back to GreenLink. Make sure to ask for Priscilla. read more

Michael P is such an asset to this organization. He, without prejudice, listens, supports, advises, and offers SINCERE understanding of your situation. He takes a dark place in your life and turns it into seeing the rainbow ahead. I would not want to work with anyone else there other than Michael P and he is a blessing to this organization. read more

Excellent customer service I will highly recommend this company. Thank you Madeline for your assistance. From a scale of 1 to 10 my experience with your customer service was a 10. Thank you read more

bait and switch... be aware of this company. They promise a loan and try to scare you into a debt consolidation, so just throw away the offer in the mail. They act really nice at first but become nasty when you refuse the offer. read more

Nothing but great things to say about my experience with Aeron Jenson. He educated me about how his service will save me tons of money and relieve me of my financial burden of high interest credit card rates. I'm grateful for the service he provided and very pleased with how he conducts business. read more

I received a mailer for a pre-approval for $25,000, I called them and asked for some initial information and did my online diligence to see if they are legit. I need to help my mom with her medical bills that wasn't fully covered by her insurance. Gabriel answered me and gave me all the links and literature with all their credentials. I called them back the next day and applied, after 30 minutes I received two options for my approval. Gabriel along with his Director Mr. Rudy De Leon helped me get approved for the 53 month term. The process was very easy, just had minor hiccup with my income verification but other than that I can't be any happier with my rate and the term. read more

Connor Paradee went out of his way to be especially helpful....calculated all my ratios...suggested several alternatives and acted always in my best interests..I urge you to call him read more

BEWARE!!!! These people are scam artists. Let me tell you my story. I make over 200K annually (not saying that to impress anybody, just because you'll see how bad these people really are). My credit score is 800+. (same as above). I have about 50K scattered between a few personal loans and credit cards. Not a huge amount compared to my income, and as my credit score shows, I am very responsible with my credit. I received an offer in the mail for a consolidation loan as low at 5.99%. I thought it might be a good idea to pay off the other loans and credit cards and wrap that 50K into one, low interest short term loan, and pay it off quickly. I went online and filled in the form. I get a call almost immediately from a nice guy reviewing my info and telling me that a loan underwriter will call me shortly with my options. Great, I think. Then Brandon calls me, reviews my info, and tells me they have a solution. They will pay off all my debt and wrap into one loan. I ask for the details, term length and interest rate. Well, he says, it's not a loan like that. He trys to pressure me into agreeing. It was a debt consolidation scam where they negotiate with your creditors and "settle" your debts. Now for some people, I understand this is their best option. But again, I make a nice income and I have perfect credit. So this jerk actually tries to pressure me into ruining my credit and signing up for his scam loan. These debt consolidation loans RUIN your credit for 7-10 years. BEWARE of these scammers. I mean, like I said, I understand some people need this, but they tried to ruin the credit of a person in a completely different situation. That is HORRIBLE! It gets even better. Now, they have sold my info and my phone won't stop ringing from "loan Consolidators" trying to contact me. OMG, these people are dishonest and have no integrity. DO NOT fall for their SCAM. DO NOT answer one of their loan offers. DO NOT go online and DO NOT enter your info into their system. BEWARE!!!!!! There are many legitimate companies who do low interest personal loans for people with god credit. Greenlink is NOT one of them! BEWARE!!!! BEWARE!!!! BEWARE!!!! read more

Pushy and condescending. Do I really need to get bullied into making an important financial decision. I think not.

I would be really care ful about this company. I called about a loan and was pushed into a dept consolidation program where $400 was going to reduce $27000 in dept in 21 months? I am a person who wants to know details of everything and the details were unclear to me. I wanted a few days to look at other options and think about it. I have to say the person i spoke to was nice at the beginning but as soon as i starting asking questions he did not like he got very annoyed and condescending to me. When i said i want to think and look at other options i felt like a child who broke a neighbors window. Thats when the condescending really started. I was told i must have a horrible life and he is CLOSING my file. I said go ahead and close.!! I am sure they are a great company but be careful and ask questions. And remember if something is sounds fishey do some research first. read more

No Way!! After very promising results they told me I would have to default on my debt for a few months??? Run!!

I always get pre-approval letters in the mail and usually throw away the mailers because I think they are a scam. The other day day I received a letter in the mail and It says I was pre-approved for $50k. Since it's a pre-approval I know for a fact that I am not approve yet and have to qualify. I called in and the lady helped me pull up my Reference Eligibility ID and quickly gave me a run down of everything I need to know. What I like about them are the following: 1) FIXED SIMPLE INTEREST RATE LOAN, which means the interest remains the same for the remainder of my term. This is something i was looking for specifically since a bad taste in my mouth was left with a loan I took a couple of years ago. 2) TERMS, they have 1-3 year options if I wanted to pay it off quicker. 3-5 years if more time is needed and 5-7 years which offers the most flexibility and lowest payment. 3) UNSECURED PERSONAL LOAN; unlike other burgeoning companies out there; Greenlink Financial didnt require any form of collateral. 4) RATES: their rates were very competitive at 5.49%. I looked at a couple other lenders to compare and make sure i was getting the best offer and I have to say some of the other offers i received had outrageous interest rates. It took Greenlink Financial a day to verify my income and process my application and the money was wired to me in 5 days. read more

GreenLink Financial has been nothing but a complete blessing to our family. After losing a job, car breaking down and just over all life happenings, we ended up getting over $127,000 in debt. We have been with GreenLink for over 2 years now and they were able to consolidate our debt quickly and easily, saving us thousands per year in interest. We went from struggling and contemplating bankruptcy due to our debt, to taking back control of our life. All of this help is a direct result of how GreenLink Financial was able to help me and my family out from the cloud of debt. We have referred friends and family over to them, all of which have had the exact same great experiences we have! read more

I have to think some of these posts are frauds. Really cranky customer service, at least the one I spoke with. I wouldn't waste your time with these jokers. They can't answer simple questions, which likely means they aren't worth working with. read more

Heather O Sr. Processor Cash Disbursement Center is incredibly unprofessional. She talks very fast to try to trick you into something you should not get. I clearly told her I am not interested in debt consolidation. She said I was approved for something but then said in an email my file was declined anyways and best of luck. I guess because my phone died in the middle of a conversation. Bait and switch company! read more

It's that time of the year again,Tax Season! And with overwhelming offers in the mail for personal loan,I tried shopping around for the best rate and the fastest turn around time for funding. I called several companies,and Greenlink Financial really stand out above all. Initially,I only called to get some information,but after the initial call,I already have all what I need.After a couple of hours,I got my approval. Although it took time for my expected funding,I still got the money wired to me in 4 days. I got to pay my taxes,got some wiggle room to pay some bills and the most important part is I got a 5.5% rate that highly doubtful anyone can beat! read more

Greenlink Financial is one company that is making waves not only for their rate but for outstanding customer service.I applied for a business loan last week,and the Director of Funding himself,Rudy assisted me with the processing of my loan approval.Not only did he explain the tax benefit for my business,but also waive the origination fee and explained to me in detail the disclosures and prepayment fees. I used to have a loan with one company but I didnt really know what I was getting myself into. This time,Rudy made sure he held my hand and walked me thru the whole process up until to the Final underwriting call. I would definitely get a loan once this is paid off again. I can't help but commend how extremely lucky Greenlink is for having a very personable and professional employee! 6 stars!! read more

I received an offer by mail that was promising so I applied for the loan online, and I followed up by calling the representative based on that they couldn't give me quotes right away online. The customer service was very unprofessional. He couldn't confirm all the information that I've provided online. He couldn't verify my birthday, and my last name which make me so worry if this company is a scam. Don't waste your time responding to their offer, instead of helping my problem, this company give me more concern. read more

Sometimes,I dont even want to open my mail because of numerous offers sent to me over and over. I finally decided to call and see what this is all about. I talked to one of their agents and asked for some information,just really wanted to know everything in detail before moving forward. She was very pleasant walked me thru all the details I need to know to move forward,did my application and got an approval for my personal loan after 48 hours. Just when Im about to complete the next step for funding,the money Im waiting for an insurance claim came thru! Im writing this review because they didnt harass me after not going thru the process and their director,Rudy called me personally to just get in touch with him if I still need one in the future and will help me get it. I am very pleased with their process and competency. read more

I never thought that getting a personal loan is that easy! Gina Chavez who answered the phone exemplified genuine customer service. Even though I asked her a million of questions for the next 10 minutes she patiently explained everything to me and led me to the right direction. She even gave me some references and literature for me to know my options. I finished the application process in less than 10 minutes after I did my research. The next 48 hours I got my approval for 30k and I get to help my dad get a new car and pay majority of my bills. Next time I'm in Orange County,I'll make sure to come stop by and put a name on the face who helped me relentlessly. read more

I am currently working with Arey Estrada and I have to say this guy is awesome! I was laid-off from my last job of 8 years and it took me over a year to find a new one in this currently tough job market. In that time I had to use some credit cards to get by and make ends meets. I was originally inquiring about a low interest loan but apparently denied. However, Arey was completely non-judgmental and explained other options that were available to me. He walked me thoroughly through the whole process and explained everything to me in detail while taking the time to answer my constantly worrisome questions. He is super supportive, and it often feels like I'm speaking with a new friend who genuinely wants to help me achieve financial freedom. He constantly tells me to reach out to him at anytime with any queries, and has given me his direct line and his mobile number as well. Arey has given me hope, for the first time in a long time. Thank you!! read more

Unlike any other Personal loan companies out there that offers a crazy 145% rate! Greenlink Financial actually stayed true to their word,the 5.49 rate that they offer in the mail actually happened. It's not just a promotional rate to get peoples attention. Honestly,when I first received it I thought its good to be true that I got pre-approved for a 30k loan,so I called them and asked for more details.I actually grilled my representative hard,but to my surprise,she answered everything confidently and explained everything to me thoroughly;I like that a lot! Shows an extra mile for great customer service. I can tell that they only hire professionals who not only is knowleadgeable but very efficient as well! I got the money transferred to my account and now I'm only making a small payment! read more

Working with Julio Chavez is an experience! He made sure that I understand everything and talked to me on a personal note to ensure that me getting a personal loan would really eliminate my debt and getting me back on track,I got my loan funded a week ago and is now on track financially! read more

I really want it to work out with Greenlink Financial they do offer flexible terms but I was looking for a longer term for 10 years and they had a hard time verifying my income,too much paperwork, but I know its part of the process; But they are pretty advanced to say the least they have a visual vault to upload all the documents! Maybe next time I'll try them again when I have all my documents ready read more

I needed working capital for my business and getting one is generally very time consuming. I tried going to my local bank but it takes them a week or 2 and requiring a ton of paperwork. I needed the money asap for new equipment so I gave Alexia Funding a call. I immediately explained i cannot have a hard hit on my credit since I am credit conscious and they assured me they only do a soft pull which was a big part of the deciding factor for me since it wont affect my credit rating. The next day I received all 4 options and was funded in less than one week. I plan on renewing my loan with them! read more