GoodLeap Reviews: What Customers Actually Say in 2026
Independent review of GoodLeap based on homeowner feedback across Trustpilot, EnergySage, Better Business Bureau, CFPB complaint database, and publicly filed arbitration cases. Editorial rating: 3.2 out of 5.
The short version
Our editorial rating is 3.2 / 5. The experience depends heavily on whether your installer finishes the job and stays in business.
Trustpilot shows 2.5 / 5 across 1,090 reviews; EnergySage shows 3.5 / 5 across 382 reviews.
The most common complaints are installer bankruptcy, retroactive interest on promotional loans and dealer fees that were not explained up front.
If an installer fails, the FTC Holder Rule may let you raise the same claims against the lender. Keep every contract, email and photo.
The GoodLeap experience divides sharply. Homeowners whose installer completed the project on time, correctly, and stayed in business long enough to honor the system warranty generally report a positive loan servicing experience. Homeowners whose installer disappeared, misrepresented the loan terms, or installed a defective system often report severe frustration with GoodLeap's reluctance to apply the FTC Holder Rule to their situation.
What works
Available in all 50 states
Full product range: solar, home improvement, mortgage
Good for homeowners whose installer is established and financially stable. Slow down if the installer is new, pushes you to sign the same day or will not give a written cash price.
Fast point-of-sale approval during the installer's sales call
No prepayment penalty — can pay off early without extra fees
Online account access through the GoodLeap mobile app and web portal
Customer care representatives generally rated as professional once connected
Loans available in all 50 states and D.C.
Most Common Negative Themes
Installer went out of business after GoodLeap funded them, leaving homeowners with a loan on an unfinished or non-functional system
Promotional-period loan structure caused large retroactive interest charges when the balance was not paid in the promotional window
Difficulty transferring the loan to a new homeowner when selling the house, due to a 750 credit score requirement for loan assumption
Dealer fee not disclosed clearly before signing
Flexpay re-amortization not understood by homeowners who did not apply the federal solar tax credit in the first 18 months
The FTC Holder Rule and GoodLeap
The FTC Holder Rule (16 CFR § 433.2) requires that any assignee of a consumer credit contract (such as GoodLeap, when it takes assignment of a loan originated through an installer) is subject to the same claims and defenses the consumer could raise against the installer. GoodLeap's own loan agreements include this notice in bold capital letters, as required. Nonetheless, GoodLeap has been accused in multiple homeowner complaints of refusing to honor the Holder Rule when installers went out of business and left systems incomplete or non-functional.
If your GoodLeap-financed installer closes
You may have rights under the FTC Holder Rule. File a complaint with the CFPB, your state's attorney general, and your state's financial regulator. Keep every contract, email, and photograph related to your installation. Consider consulting a consumer protection attorney licensed in your state.
How to Read GoodLeap Reviews
Review platforms are useful, but they need context before they can guide a decision.
Separate the lender from the installer. Many one-star reviews describe an installer that missed deadlines, oversold savings or closed. Those problems still land on the loan, but they point to installer due diligence as much as to the lender.
Check the date. Reviews from before 2026 often assume the 30% federal credit would fund an early prepayment. That assumption no longer holds for new installations.
Expect a negative tilt. Borrowers with a smooth loan rarely post about it, while borrowers in a dispute often do. A low average still matters, but read the specific complaints.
Look for patterns, not single stories. Repeated themes such as unexplained dealer fees or payments that jumped after 18 months are the signals worth acting on.
What Changed in 2025 and 2026
Reviews written before 2025 describe a different market. Four developments shape the GoodLeap experience today.
The homeowner tax credit ended. The One Big Beautiful Bill Act (Public Law 119-21, signed July 4, 2025) ended the 30% Residential Clean Energy Credit (Section 25D) for systems completed after December 31, 2025, and ended the Energy Efficient Home Improvement Credit (Section 25C) for property placed in service after the same date. Complaints about payments that reset after an expected credit never arrived are likely to matter more for 2026 borrowers, not less.
A major competitor left. Mosaic filed for Chapter 11 in June 2025 and its buyer said it would not originate new solar loans, which narrows the choice of point-of-sale lenders.
Regulators sharpened their focus. The CFPB solar financing issue spotlight (August 2024) highlighted hidden dealer fees, misleading payment claims, ballooning payments and exaggerated savings claims across the industry.
GoodLeap kept growing. In October 2026 the company reported more than $38 billion in solar and home-efficiency financing since 2018 for more than 1.7 million homeowners, alongside its 26th loan securitization. That suggests continued access to funding, which matters if you worry about a lender disappearing mid-project.
How to Raise a Problem or File a Complaint
If something goes wrong, work through these steps in order and keep a written record of each contact.
Contact GoodLeap customer care in writing through your account, and describe the issue, the dates and what you want resolved.
Contact the installer about workmanship or production problems, and send GoodLeap a copy.
File a complaint with the CFPB at consumerfinance.gov. Companies generally respond to CFPB complaints within 15 days.
File with your state attorney general and financial regulator, especially if you believe the sale involved misleading claims.
Review your loan agreement for an arbitration clause before considering legal action, and consult a consumer attorney if the installer has closed.
Is GoodLeap Right for Your Project?
GoodLeap is a reasonable choice when: your installer is well-established and has strong local reviews, you understand the dealer fee is inflating the financed amount, you know exactly how your payment is calculated if the loan assumes any lump-sum prepayment, and you have reviewed the full APR and total of payments before signing — not just the monthly payment. If any of those conditions are not met, compare GoodLeap against another active point-of-sale lender, a home equity loan, or a personal loan from a credit union before signing.
Yes. GoodLeap, LLC is a licensed lender (NMLS #30336) that reports more than $38 billion in solar and home-efficiency financing since 2018. Legitimacy is not the main issue in most complaints; installer conduct and loan terms are.
Why does GoodLeap have low Trustpilot ratings?
GoodLeap holds a 2.5 out of 5 TrustScore on Trustpilot across about 1,090 reviews. Common complaints involve installers that closed after funding, promotional loans that triggered retroactive interest, and dealer fees that were not explained before signing.
Who do I contact about a GoodLeap loan problem?
Start with GoodLeap customer care in writing, then the installer for workmanship issues. If that does not resolve it, file a complaint with the CFPB and your state attorney general.
Does the FTC Holder Rule apply to GoodLeap loans?
The Holder Rule (16 CFR 433.2) generally lets borrowers raise claims against the holder of a consumer credit contract that they could raise against the seller. Whether it applies to your loan depends on its terms, so review your agreement or ask a consumer attorney.