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LendingTree personal loans service review
Last updated:
This top service helps you find lenders — but rates can be high if you don't have good credit.
finder.com’s rating: 4.6 / 5.0
★★★★★
Bottom line: LendingTree is useful if you want to compare multiple lenders at once. But there are numerous complaints about marketing calls and emails from its partners.
$50,000
Max. Loan Amount
Starting from 2.49%
APR
Good to excellent credit
Min. Credit Score
Details
| Product Name | LendingTree personal loans |
|---|---|
| Min. Loan Amount | $1,000 |
| Max. Loan Amount | $50,000 |
| APR | Starting from 2.49% |
| Interest Rate Type | Fixed |
| Min. Credit Score | Good to excellent credit |
| Loan Term | Varies based on lender |
| Turnaround Time | If you apply during work hours on a business day you can get access to approved funds within 24 hours. |
Expert review
Review by
Aliyyah Camp
aliyyah.camp@finder.comAliyyah Camp is a writer and personal finance blogger who helps readers compare personal, student, car and business loans. Aliyyah earned a BA in communication from the University of Pennsylvania and is based in New York, where she enjoys movies and running outdoors.
Expert review
LendingTree’s personal loan connection service is ideal for borrowers with good to excellent credit looking for the best deal available to them. You can compare offers from multiple lenders by filling out just one online form. Rates start low at just 3.99% — and amounts cap out at a hefty $50,000.
But you’ll need to look elsewhere if you have less-than-perfect credit. And you might be on the hook for an origination fee, though it varies by lender. You also might have to field phone calls and emails from its network of partners — even after you take out a loan.
Want to apply with a lender directly? Compare other options below.
Pros
- Multiple offers with one online form
- Low APR for borrowers with excellent credit
- Loans up to $50,000
- High ratings on Trustpilot
Cons
- Good to excellent credit required
- Not a direct lender
- May be on the hook for an origination fee
- May receive a large volume of marketing calls or emails
LendingTree rates, fees and terms
LendingTree doesn’t charge any fees to use its service — so there’s no cost to you. But if you’re approved for a loan, your lender will offer rates starting at 2.49%. You can potentially borrow between $1,000 to $50,000.
You can use our calculator to estimate your monthly payment before you fill out LendingTree’s online form.
Monthly repayments calculator
Calculate how much you could expect to pay each month| Your loan |
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Fill out the form and click on “Calculate” to see your estimated monthly payment.
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Compare personal loans nowBased on your loan terms...
You can expect to pay back $ per monthThis breaks down to...
$ in principal and $ in interest charged Compare personal loans nowHow LendingTree compares to other lenders
To see direct lenders and other connection services, select your credit score and state. Then click Show me my personalized options.
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LendingTree reviews and complaints
LendingTree receives highly positive reviews on its Trustpilot page, but many comments are about the quick approval process — which is largely down to the lender you’re connected with. On its BBB page, multiple users complained about a high volume of marketing emails and calls in addition to alleged hard credit checks without the users’ explicit consent.
How to qualify
LendingTree only requires you to meet a few basic requirements to use its service:
- Valid bank account
- US citizen or permanent resident
- At least 18 years old
The lender you’re connected with may have other requirements. Check to confirm you qualify before submitting a full application.
How the online form works
To be connected with a lender, visit LendingTree’s website and follow the prompts. You will need to provide information about yourself, including your income and the last four digits of your Social Security number.
LendingTree will process your application and email you with a list of lenders that may suit your needs. From here, compare your options. If you find a lender you like, you can complete its application to see if you qualify for a loan. Processing time will vary by lender and the purpose of your loan funds.
What sets it apart
LendingTree is a connection service that works with a wide variety of loan products, including mortgages and credit cards. It’s a one-stop shop for comparing your options. But it isn’t a direct lender, so your use of its services will be limited once you find the loan you need.
Is LendingTree legit?
Yes, LendingTree is a legit connection service. Its website is secure, and its privacy policy covers how it collects information and how you can opt-out of having your information shared. It’s also clear about the lenders it works with — most connection services won’t list their partners.
To find the best rates, compare more personal loan options before you submit through LendingTree.
Personal loan ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top personal loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, customer reviews, loan amounts, loan processing and borrower experience.
Read the full methodology of how we rate personal loan providers.
