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LendingTree personal loans service review

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This top service helps you find lenders — but rates can be high if you don't have good credit.

finder.com’s rating: 3.6 / 5.0


  • Best for comparing multiple offers by filling out one online form.
  • Pick something else if you don’t have good to excellent credit.


Max. Loan Amount

Starting from 3.99%


Good to excellent credit

Min. Credit Score


Product NameLendingTree Personal Loans
Min. Loan Amount$1,000
Max. Loan Amount$50,000
APRStarting from 3.99%
Interest Rate TypeFixed
Min. Credit ScoreGood to excellent credit
Turnaround TimeIf you apply during work hours on a business day you can get access to approved funds within 24 hours.
Go to LendingTree, LLC's website

Expert review

Aliyyah Camp

Review by

Aliyyah Camp is a publisher helping folks compare personal, student, car and business loans. Prior to joining Finder, she ran her own personal finance blog and wrote for numerous finance sites. Aliyyah earned a BA in communication from the University of Pennsylvania. She likes to go to the movies and go for runs 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.

First, am I eligible?

Before you apply for a loan through LendingTree, check if you meet the following eligibility criteria:

  • You must be an American citizen, a permanent resident or in the US on a valid long-term visa.
  • You must be at least 18 years of age.
  • You must have a valid bank account.


  • Multiple offers with one online form
  • Low APR for borrowers with excellent credit
  • Loans up to $50,000
  • High ratings on BBB and Trustpilot


  • Not a direct lender
  • May be on the hook for an origination fee
  • Good to excellent credit required
  • May have to field phone calls and emails from its network of partners

Compare other personal loan providers

Updated December 14th, 2019
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
Credible Personal Loans
5.95% to 35.99%
Fair to excellent credit
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Fiona Personal Loans
3.84% to 35.99%
Good to excellent credit
Get loan offers from multiple lenders at once without affecting your credit score.
Upgrade Personal Loans*
6.98% to 35.89%
Affordable loans with two simple repayment terms and no prepayment penalties.
Even Financial Personal Loans
3.84% to 35.99%
Get connected to competitive loan offers instantly from top online consumer lenders.
NetCredit Personal Loans
34% to 155% (Varies by state)
No minimum
Check eligibility in minutes and get a personalized quote without affecting your credit score.
Monevo Personal Loans
3.99% to 35.99%
Quickly compare multiple online lenders with competitive rates depending on your credit.
PenFed Credit Union Personal Loans
6.49% to 17.99%
With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses.
LendingClub Personal Loan
6.95% to 35.89%
A peer-to-peer lender offering fair rates based on your credit score.
SoFi Personal Loan Fixed Rate (with Autopay)
5.99% to 17.88%
A highly-rated lender with competitive rates, high loan amounts and no fees.

Compare up to 4 providers

How do I apply?

LendingTree has a simple application that should only take a few minutes to complete.

  1. Click the Go to LendingTree button to start the application.
  2. Select your loan purpose and how much you want to borrow.
  3. Follow the prompts, entering information about your address, credit score, employment and income.
  4. Select if you want to apply with a coborrower. If so, complete the prompts with their personal information.
  5. Enter your full name, phone number and email address.
  6. Create a password for your LendingTree account.
  7. Enter the last 4 digits of your Social Security number, then click See Your Results to submit your application.

What information do I need to apply?

To complete the process successfully, prepare to part with the following information:

  • Last four digits of your Social Security number
  • Estimated credit score range
  • Annual income before taxes

What happens after I apply?

LendingTree will process your application and email you with a list of lenders that may suit your borrowing 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.

How do repayments work with LendingTree?

Because LendingTree isn’t a lender, you won’t make repayments to it. Instead, check your lender’s repayment policy for information on repayment methods and potential fees for late payments.

Want to apply with a lender directly? Check out our guide to personal loans to compare your other options.

Frequently asked questions

Personal loan ratings

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★★★★★ — 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.

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  1. Default Gravatar
    December 12, 2019

    Do you lend to Ireland?

    • Avatarfinder Customer Care
      December 12, 2019

      Hi Michelle,

      Thanks for reaching out to Finder.

      LendingTree is a licensed U.S. mortgage broker so they do not operate in Ireland. Their lending services are only available to people in the continental U.S., Alaska and Hawaii.

      I hope this helps.


  2. Default Gravatar
    May 28, 2017

    I’ve been approved for loan but every time I click sign documents won’t let me what do I do?

    • Avatarfinder Customer Care
      June 21, 2017

      Hi Paul,

      Thank you for your inquiry.

      Regarding this matter you may need to coordinate directly with the lender. There may be an error with the document/s they provided. Just to make sure you are doing the right thing it would be nice to ask a guidance from them.

      I hope this information has helped.


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