Lending Tree logo

Loan Amounts



Loan Term


3–7 years

APR Range



Min. Credit Score



Editorial Rating

Lending Tree logo

Editorial Rating

LendingTree Review

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Loan Amounts



Loan Term


3–7 years

APR Range



Min. Credit Score






Founded in



Years in Business



BBB Rating



Min. Revenue


Not specified




Lending Tree logo

Editorial Rating

Are you in need of emergency funding? Are you exploring different personal loan options?

If so, why not consider getting one via LendingTree?

This review will give you more information about:

  • What LendingTree is, and who it’s best for
  • How to apply for loans via LendingTree
  • The terms and requirements associated with getting a loan via LendingTree
  • LendingTree personal loans reviews by customers
  • The pros and cons of using LendingTree
  • The costs associated with using LendingTree
  • Your privacy and security when using LendingTree
  • Frequently asked questions (FAQ) about LendingTree

What Is LendingTree?

LendingTree is an online loan marketplace that allows users to view and compare loan options. It is not a direct lender but a platform that connects borrowers with lenders.

LendingTree offers a variety of financial products:

  • Home mortgage
  • Home equity loans
  • Personal loans
  • Auto loans
  • Business loans
  • Reverse mortgages
  • Deposit accounts
  • Credit cards
  • Debt relief
  • Credit repair
  • Insurance
  • Student loans
  • Student loan refinance
  • Debt consolidation loans

Who Is LendingTree Best For?

LendingTree is a loan solution to consider for those who want to borrow money online in a quick and easy way.

Moreover, it is also a good option for borrowers who want to make an informed decision. LendingTree has many detailed resources on how and when to borrow money, and which financial products to opt for.

Getting Started with LendingTree

To borrow money via LendingTree, follow the steps below.

  • Visit the official LendingTree website.
  • If you want to check your personal loan options via LendingTree, click on the ‘Personal Loans’ section on the website
  • Click on the ‘Compare Rates’ button

To check your loan options, you will first need to fill out a free application. LendingTree will ask you to:

  • Choose a loan purpose, where borrowers can choose between:
    Debt consolidation
    Pay off credit cards
    Home improvement
    Home buying
    Major purchase
    Car financing
    Wedding expenses
    Moving and relocation
    Medical expenses
    Car repair
    Everyday bills
  • Choose the loan amount (anywhere from $1,000 to $50,000)
  • Specify how quickly you need the loan

Once you provide these details, LendingTree will ask you for more personal ones, such as

  • Zip code
  • Address
  • City
  • Type of residence
  • Estimated credit (if unsure, you can use LendingTree’s free credit score tool)
  • Date of birth
  • Employment status
  • Annual pre-tax income
  • Whether you want to add a co-borrower
  • First and last name
  • Phone number
  • Email address
  • Social security number

After the last step (creating a password for your LendingTree account), click on the ‘See Your Results’ button.

And that’s it! After that, LendingTree will show you multiple loan options you prequalify for.

LendingTree Loan Terms

Using LendingTree to get matched with lenders who provide personal loan services is completely free.

You can also create an account for free and use the LendingTree app to check your credit score.

To be able to apply for one, borrowers must meet LendingTree’s loan requirements. Although they might differ from one lender to another, the ones all lenders generally agree on are related to:

  • Age – being 18 or older
  • Social security number – all borrowers should have a valid one
  • Income – borrowers must have a source of income
  • Credit history – many lenders require their borrowers have a responsible credit history
  • Debt-to-income ratio – ideally, borrowers’ debt-to-income ratio should be 35% or lower

As for the loan term, the repayment period and the rates and fees associated with the loan are determined by the lender.

Depending on which loan provider borrowers go with, they can expect to:

  • Borrow anywhere from $1,000 to $50,000
  • Repay the loan in three to seven years
  • Have a loan APR range from 3.99% to 35.99%

What credit score do you need to get a loan from LendingTree?

Since LendingTree is partnered with a great number of lenders who have different loan eligibility requirements, it doesn’t specify what credit score borrowers need to get approved for a loan. However, based on numerous LendingTree personal loans reviews, borrowers need a score of at least 585 to even be considered for a loan.

If you have a credit score lower than 585 and need tips on how to build credit, you might want to sign up for LendingTree’s credit repair services.

User Reviews

To get a better sense of borrowers’ experience with the platform, we went through LendingTree reviews on Trustpilot and BBB.

What we observed was that the LendingTree customer complaints were more frequently addressed on Trustpilot. Even though these do exist, positive LendingTree personal loan reviews were in the majority.

Let’s take a look at the summary of good and bad user reviews on Trustpilot and BBB.

Here is the gist of good LendingTree reviews we came across:

  • Many users reported the loan application process is quick and simple
  • A lot of borrowers stated they received funds very fast
  • A great number of users praised LendingTree’s customer service
  • Many customers liked that they can compare multiple loan options in one place

And here are the most common bad reviews and complaints we encountered:

  • Some applicants complained about receiving too many phone calls received a large number of phone calls
  • Several borrowers reported they were denied a loan despite having good credit
  • Some customers said they were offered high rates despite having good or excellent credit

LendingTree Rates & Fees

LendingTree is not a direct lender. Because of that, it is not responsible for any fees and rates associated with loans — these are determined by the lender.

As previously mentioned, the loan APR range LendingTree’s lenders offer ranges from 3.99% to 35.99%. Moreover, although LendingTree doesn’t charge any fees, some of its lenders might.

If applicants decide to go forward with a loan offer, they can expect the lender will charge fees such as:

  • Origination fee
  • Late payment fee
  • Insufficient funds fee
  • Prepayment fee

Note: All costs associated with the loan depend on the lender. Some lenders may charge some fees, while others might not charge any.

Privacy & Security

If you decide to check loan options via LendingTree, the platform will collect the following information about you:

  • Identifying information (such as name, address, social security number, phone number, and more)
  • Financial information (credit history, transaction history, and more)
  • Other information (such as your online activity, demographic data, and more)

LendingTree obtains this information from:

  • The user (the information you provide via the online form, over the phone, etc.)
  • Service providers (credit bureaus)
  • Cookies and other tracking technologies (IP address, browser type, Internet Service Provider, etc.)

LendingTree will use the obtained data to:

  • Provide you with the product or service you requested
  • To improve the website, customer service and personalize your user experience
  • Communicate with you about products/services you may be interested in

LendingTree might share user information with:

  • Its affiliates
  • Its network of lenders
  • LendingTree’s service providers (credit bureaus, marketing partners, etc.)

LendingTree takes the following measures to protect your information:

  • SSL
  • 128-bit encryption
  • Firewall protection

However, no electronic transmission or storage of data is 100% secure. In fact, there is an ongoing class action lawsuit against LendingTree due to a data breach in February 2022.

Customer Support

If LendingTree users experience any problems, have any questions, or want to opt-out of phone calls, they can contact the customer support team by:

  • Submitting a contact form on the website
  • Phone

Final Verdict

Based on our research and numerous LendingTree personal loans reviews, here is what we concluded.

The upside of using the LendingTree platform is that it’s one of the best places to view and compare loan offers. Due to partnering with a great number of lenders, those in need of a loan will have more options.

Moreover, it seems that for the majority of users, the whole loan process is quite easy and fast.

The downside of using LendingTree — though this is common with similar platforms — is that applicants are inundated with phone calls and emails. Moreover, some customers might not be approved for loans despite having good credit.

All in all, we believe that LendingTree is among the top loan connection companies.

If you want to avoid taking the time off to apply for loans personally, this is one of the best ways to borrow money.


  • Broad loan range
  • Fixed interest rates
  • Fixed monthly payments
  • Reputable partner lenders
  • LendingTree loan calculator


  • Approval is not guaranteed
  • Your data may be shared with third parties
  • You need to create an account to view offers
  • Final loan amount term depends on the lender
  • Loan providers may do a hard inquiry before reaching a lending decision
Lending Tree logo

Editorial Rating


Is LendingTree a scam?

No, LendingTree is not a scam. It is an online lending marketplace that helps borrowers find options for the financial services they require. It was created in 1996 and is headquartered in Charlotte, NC.

Is LendingTree safe?

LendingTree uses different security measures to keep user data safe, such as data encryption and firewall protection. However, like any other website that collects users’ information, LendingTree cannot guarantee the complete safety of the data it obtains.

How does LendingTree work?

If you want to take out a loan via LendingTree, you need to provide your personal and financial information via a form. Once LendingTree has all the information it needs, it will present you with the loan options you can choose from. If you decide on applying for one, all the terms and requirements will be determined by the loan provider rather than LendingTree.

What does LendingTree do?

LendingTree is an online platform that matches borrowers with the best available loan providers. It does so by using the information users provide via the online form.

How much can you borrow from Lending Tree?

LendingTree has an extensive network of lenders that allow users to borrow anywhere from $1,000 to $50,000.

Does LendingTree give loans with bad credit?

Yes. With LendingTree, you can find personal loans for both good and bad credit. However, borrowers with a poor credit score can expect higher loan rates.

Does LendingTree verify income?

No, it doesn’t. However, its partner lenders do. When you decide to apply for a loan with a lender, they will ask you to provide some form of proof in order to verify your income.

Will my credit score be affected by LendingTree?

No. When you’re viewing and comparing loans via LendingTree, the platform only makes a soft inquiry into your credit history, which doesn’t affect your credit score. However, when you apply for a loan, the lender might do a hard pull, which might have an impact on your credit score.

Is LendingTree good for personal loans?

LendingTree is a good option if you need a personal loan. They have good reviews online by consumers with approved loans.

In addition, the website provides answers to all questions borrowers may have prior to applying for a loan.

How does LendingTree personal loan work?

First, borrowers need to fill out an online form through the LendingTree website. Then, LendingTree will use the information an applicant provides to match them with the best available lenders. After that, the applicant can compare the offers and choose the best one.

Is my information kept secure when I apply through LendingTree?

LendingTree employs different security measures to keep the data users submit safe from misuse. However, no electronic transmission or storage of data is fully secure.

How does LendingTree compare to other lenders?

Based on LendingTree personal loans reviews, the platform is one of the best in the business. However, similar platforms like Monevo and Credible can find loan options for amounts of over $50,000, which is LendingTree’s maximum loan amount. Still, LendingTree is one of the best online lending marketplaces for borrowers of all profiles.