Review Time
If I could give a lower review I would. They Hiped how much I can get and what will be paid off and put it in writing on my loan disclosures and never delivered what they said they would. Terms changed and so did everything else. Yes, my credit wasn't the best and I knew that going in, but I wasn't the worse. My loan Rep. was terminated within the first 2 months, and I didn't close until 4 months after I started the process. His manager took over and he didn't have a clue of what to do or say. It took them 2 weeks to process my first payment, and they sold the paper. They also hit my credit report 6 different time which affects my credit score for the amount of times they checked my credit report. My advice stays away from them as they don't have a clue on how to treat their customers. I finally closed after 4 months of hopping through loops and at a higher rate than told i was closing at.
I used Goodleap as a loan servicer for some HVAC work in May based on a recommendation from the HVAC company that did my work while waiting on a car accident settlement to come in. I used them entirely on the basis that there would be no additional fees for a complete early payoff during the loan's promotional period, which they confirmed on the phone and in an email prior to me taking out the loan, and I paid the loan off in full in June. After paying off the loan, I confirmed with Goodleap on the phone that the loan was paid off and that I would not owe any additional sum of money, and sent them an email asking them to close the account. All seemed to be well until December 2024 a few days ago when I received a call from a Goodleap representative asking if I was happy with the HVAC work and with a "reminder that your first loan payment is due soon!" I told the operator I'd paid it off and closed the account in June, to which the guy said "wait what? I'm not seeing that!" and then after getting the runaround from several representatives it turns out that nobody had ever marked my account closed or my loan paid off as I'd requested; they then turned around and said I owed a "UCC Filing Fee" from the county I live in to close the account, but refused to verify where they got the information for the quantity owed, an explanation for why everything in June had gone down the way it had, and they told me that since in my original recorded line in June that I hadn't carefully phrased my line of inquiry regarding my account being closed like a lawyer to make it ironbound they would not accept responsibility for the error and that I still owed the fee. At no point have I spoken to a representative that doesn't seem extremely willing to lie to me, deflect from Goodleap's own errors, and deflect from every salient point I bring up. These guys are complete scum.
This company sucks! I was a victim of hurricane Ian in Fort Myers and am disabled. My air conditioner was damaged and another company overcharged me so I was forced to get a 0% loan with Goodleap for one year. I had to wait for insurance reimbursement for damages. I'm disabled and mailed a check which was picked up by USPS. It took over 3 freaking weeks for my check to reach the billing department. I contacted headquarters to discuss and they are now charging me late fees and want thousands of dollars for the 14.9% interests and fees because according to them, my check was 5 days out of their window! I've explained that I'm disabled and mailed the check in enough time and USPS screwed me up... note that USPS has screwed up multiple times since this first episode with Amazon and other orders including complete packages lost forever!This company has zero compassion or decency! They continue to harrass me multiple times a day with phones numbers from all over the country. It's usually a representative who thinks that I called them! They have ZERO facts in front of them! They just harrass me.I found yet another cancer about a month or 2 into the harrassment! I had to have a chunk of my body cut off which was stress induced! I've requested upper management to contact me and I only get people who think I called them to pay my bill which is ZERO BALANCE. NEVER EVER GET A LOAN WITH THIS CRIMINAL COMPANY!I wish I could give 5 middle fingers as a review!
After almost doing business with this company full of high pressure, smooth talking sales people some years ago and then again more recently, they made an impression. I've spoken to their Sales people multiple times over a period of years, and have heard their high pressure Sales process multiple times. After this last time, I've figured out their business model, they will screw you not only with Solar and other Home Improvement loans but also Mortgage loans. They've rebranded 3 times because of it, Paramount Equity Mortgage > Loanpal > Goodleap .First they provide financing/funding to solar panel and other Home Improvement Sales companies along with a mobile application platform across the country, to quickly sign people up for home improvement loans. Doesn't sound so bad except the loans conditions are long, and contain almost hidden and confusing terms, you pair that with pushy door to door sales people and you have a never-ending supply of home improvement loans. I signed the contract because the monthly payment was quite low and affordable and looking back the Solar Sales people are trained to obscure the terms. While peddling the benefits of Solar and tax cuts.Then after a short amount of time the loan "re-amortizes" and the solar loan payment shoots up. This is absolutely on purpose and part of the next phase of their sales model. As right around the time your Solar or other loan payment shoots up, you get a phone call from Goodleap, the initial person talks about how they hold your solar or other loan and that they're glad that you're a customer, blah blah. After that beginning talk the initial person will ask about Consolidating or rolling" your Solar loan into your Mortgage, as your Solar payment is going up and you'll save tons of money! They then transfer your phone call to a "Mortgage Specialist" AKA licensed Mortgage Loan Officer Sales people.This is where it seems they invest in making another giant lump of money off the backs of American working people like me, trying to take generational wealth from countless family's Real Estate.These Mortgage Specialists will try to woo you and overload you with information, telling you it's no cost to get a appraisal, nothing out of pocket, and that there's no risk to complete a Mortgage loan application. When you turn them down they are persistent and will push you to check your credit, after that, they might propose something that sounds good at first to get you to sign the initial Loan Documents, saying you can cancel at anytime, and that there's no risk. This starts the process of eliminating your solar loan and putting it into your mortgage better known as Refinancing your Mortgage(except with huge hidden costs and fees).Then a small time later, my initial loan application will dramatically change, essentially a "bait and switch", they said its based off appraisal or income, in the end they already knew this, they want to hook you with a good offer, then negotiate a final mortgage closing deal with HUGE Points (fee so the interest rate looks good) and other rolled in fees (tens of thousands of dollars put on the back end of your Mortgage), but they'll say don't worry it's not coming out of your pocket!Compared to most Mortgage companies, Goodleap Mortgage pricing and Cost is astronomically higher than anywhere else I've gotten quotes from, for example, annywhere from $9,000 to over $16,000 in fees I was quoted compared to $999 in fees at another reputable lender. The first time, I did not notice the fees until almost signing the closing documents, thank god, there most likely would've been nothing I could do about it, if it was a done deal. Looking back, these giant fees and buydowns/points that are rolled into the loan documents, are what they try to hide and misrepresent to the customer, and if you don't catch these fees, the first time they didn't say anything about it, the second time, the Mortgage Specialist said something like "Well it's not coming out of your pocket, you're getting a lower rate now". Thinking about it right now, I'm like, no it's coming out of the equity in my family's home, which affects my families future, and these guys are hired to steal that away for their company.After these phonecalls with multiple of Goodleap's Mortgage Specialists, as well as shopping around to multiple reputable Lenders and talking to their Mortgage specialists, I can say the employees at Goodleap are highly trained and manipulative sales people only concerned with closing your mortgage at whatever cost to your families worth.
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