goodleap.com

This company should be ashamed of themselves for recommending a predatory financing company like Goo

This company should be ashamed of themselves for recommending a predatory financing company like GoodLeap. They are nothing but crooks.

Last summer (2025) was extremely hot. When my air conditioning unit failed, the heat became unbearable. As any mother would, I made a sacrifice for my children without hesitation. Best Care Plumbing, Heating & Air advised me to use GoodLeap for financing. At the time, I trusted their recommendation.

I was not properly informed about what I was signing up for. I am a single mother of two, dealing with 100+ degree temperatures, and I believed I was making a responsible decision to keep my children safe. The HVAC system cost $15,000, financed in May 2025.

At no point did the Best Care representative clearly explain the interest rate. I even recall asking about interest, assuming—like most lines of credit—there would be a promotional period. What I later discovered is that GoodLeap applied a hidden 12.99% interest charge on every dollar of the loan.

When I recently reviewed my GoodLeap online statement, I was completely heartbroken. Since July 2025, I have made every payment on time (they give two “free” months at the beginning). As of January 2026, only $15 has been applied to my principal balance.

GoodLeap is now attempting to collect over $34,000 on a $15,000 loan.

Now I understand why the Best Care representative was so eager to run my credit over the phone. Once GoodLeap paid them for the job, the burden and confusion were left entirely on me—the customer.

To be clear, the technicians who installed the HVAC system did an excellent job. This review is not about them. It is about the financing scheme and the lack of transparency.

GoodLeap is a predatory lender. If anyone from Best Care Plumbing, Heating & Air tries to push this financing on you, close the door. They took advantage of a mother’s love for her children during a vulnerable moment.

This is a terrible company and a total scam operation.Before making any decisions, please take the time to read the reviews on GoodLeap Financing. Had I known then what I know now, I would have never agreed to this financing. I hope my experience helps prevent another family from being taken advantage of. Situations like this are exactly why a class action lawsuit should be pursued to hold this company accountable for its predatory practices.

Date of experience: Jan 31, 2026