Lendingtree Personal Loans Review

Lendingtree helps borrowers shop for, compare and obtain loans. Lendingtree allows potential borrowers to quickly and easily compare loan offers in one place. Lendingtree offers a large selection of personal loan lenders with competitive rates. It also offers education resources and a user-friendly app.

Lendingtree lendingtree-review
Please Vote!
Est. APR
Min. Credit Score 585+
Loan Amounts
Loan Amount $1K-$50K
Min. Credit Score
Loan Repayment 3-180 months
Jason Steel
Written by:Jason Steel
Personal Finance Journalist

Lendingtree is an online marketplace that shows borrowers options for lenders. Lendingtree offers home loans, personal loans and business loans. To start the loan pre approval application process for a personal loan, you must have a credit score of at least 585, a bank account in your name, and you must be a U.S. citizen or permanent resident of the U.S. and over the age of 18.

Summarized Rating

This parameter considers loan term lengths, loan minimums and maximums, and the extent of loan use limitations. Each of these features was evaluated using the five-point scoring system. Then, the various scores were aggregated and averaged to establish an overall loan features score.

LendingTree gets an exceptional 4.3 for Loan Features. This reflects the loan aggregator’s highly flexible term lengths and loan limits and the absence of any loan use limitations.

Lendingtree Pros
High rated personal loan providers
Large selection of personal loan lenders
Competitive APR starting at 3.99%
Offers educational resources to borrowers
Has a user friendly app
Considers applicants with fair credit
Lendingtree Cons
Must be a US citizens or permanent resident
Those with poor credit are usually not eligible
Shares users’ information with lenders
Some lenders have origination fees
Unwanted spam from potential lenders

Types of Personal Loans Offered by Lendingtre

Lendingtree offers personal loans for a variety of reasons, ranging from debt consolidation to car repairs. There are very few prohibited uses for their personal loans.

Common loan uses

Prohibited uses

Debt consolidation

College tuition

Pay off credit cards


Wedding expenses

Home buying

Major purchase

Home improvement

Medical expenses

Car repair

Car financing

Everyday bills

Moving and relocation


Lendingtree Loan Features

The loan features you receive from Lendingtree partners depend on a variety of factors, such as your credit, income, job status, and more. They offer multiple loan types, including personal loans for home improvement, debt consolidation and car repairs. Loan terms, repayment periods and loan limits vary by the loan offered.

Loan terms

Variable, can range from 3 to 180 months.

Repayment period

Varies depending on the lender.

Loan amount

Personal loan amounts range from $1,000 to $50,000.

Loan Use Limitations (i.e. only home improvements or only debt consolidation)

No loan use limitations.

Lendingtree Interest Rates and Fees

There is no fee for using Lendingtree services, but rates and fees vary among the actual lenders. Unfortunately, you can’t check many of the fees until you receive an actual loan offer.

Borrowing/Origination Fees

Lenders may charge a personal origination fee.

Prepayment Fees

Lenders may charge additional fees to pay off a loan sooner than anticipated.

Late Payment Fees

Lenders may charge a late payment fee after a missed monthly payment.

Other fees

Other fees may apply.

Interest Rates

Variable, and usually ranges from 3.99% to 35.99% APR. The higher your credit score, the lower your interest rate usually.

Lendingtree Qualification Requirements

Loan requirements will vary by lender. Each lender may have different qualifications for minimum credit score, membership, income and co-signer or joint applicant. Most lenders require this information, and use the answers to determine whether you qualify for the loan and at what rates.

Credit score is usually the most important qualification factor. A lower credit score might suggest that you could be a riskier borrower, so lenders often give applicants with lower credit scores a high interest rate to protect themselves from the risk. However, the exact credit score that a lender will accept, and for what interest rate, will vary by lender.

Lenders also want to make sure that you have enough income to make loan payments. Your debt-to-income (DTI) ratio is how much debt you have compared to your gross monthly income. If you have approximately 35% DTI ratio or less, you’re considered a good candidate for a personal loan by most lenders.

Some of the lowest personal loan rates currently on Lendingtree are included below



Min Credit Score

Best For




Wide variety of repayment term durations




Borrowers with thin credit histories




Unemployment protection during repayment




Refinancing credit card debt

Best Egg



Seamless online prequalification

Marcus by Goldman Sachs



Unique repayment perks




Applying with a co-borrower




Fast loan funding




Applicants with excellent credit




Borrowing small loan amounts

OneMain Financial



Opinion of a secured personal loan

Just like personal loans, mortgage qualifications can vary by lender and loan type. Conventional loans typically require a minimum of 3% down payment, with a minimum credit score of 620. Higher credit scores usually get better mortgage rates and lower PMI premiums.

FHA loans require between 3.5% down payment for a credit score of 580 or above, and 10% down payment with a credit score between 500 and 580. VA loans and USDA loans don’t require any down payment and don’t have a minimum credit score, though between 620 and 640 is the lender standard minimum.

Most mortgage lenders also require proof of steady income.

Other types of loans may have additional requirements for credit score, income, membership or other qualification requirements

Lendingtree Application Process

To begin the application process for a personal loan, select the purpose of the loan you need from a drop down menu.
lendingtree application proccess

Once you select the type of loan, it asks you how much you would like to borrow. You can select between $1,000 and $50,000.

Then you'll need to provide information like:

  • Your zip code, and street address.
  • Whether you own or rent your property
  • Your credit score
  • Your birthday - you must be 18 years old to apply
  • Whether you are employed full time, part time, self-employed, unemployed, or other
  • Your yearly pre-tax income

Then you need to indicate if you are adding a co-borrower. Adding a co-borrower could allow you to get more loan offers, get lower interest rates, and/or save more over the life of the loan (depending on the credit and other factors of your co-borrower).

Lendingtree offers a free, upgraded service, which provides loan balance tracking, insights into what’s affecting your credit, free credit monitoring, free monthly credit score reporting, personalized financial recommendations and free dark web monitoring. There is no additional sign-up required for these features.

Finally, to see your results, you need to provide the last four digits of your social security number. Lendingtree won’t share your social security number. They only use it to verify your identity. However, Lendingtree will perform a soft pull of your credit. This won’t affect your credit score.

Lendingtree Customer Support

Lendingtree offers a variety of ways to contact customer support, including:

  • Phone
    • 800-813-4620
    • Monday - Thursday, 8 am - 9 pm EST, Friday 8 am - 8 pm EST, Saturday 10 am - 7 pm EST.
  • Mail
    • 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203.
  • Live chat tool
  • Online ticketing form
  • YouTube, Twitter, Facebook, and Instagram

In general, people seem satisfied with the customer support from Lendingtree. Here is what a few customers said about their experience.

  • “Great customer service and they provided me with all the information needed to close on the loan.”
  • “The loan process with Lending Tree is second to none. Fast, easy, friendly service. I am very satisfied and would highly recommend using them.”

However, there were a few customers who had a mixed experience with customer service.

  • “The experience was a good one until I sent a $15k wire transfer and then I was not able to contact my loan adviser again. I have emailed, text[ed] and called multiple times and cannot get Konrad to call me back.”
  • “Dealing with customer service was pleasant, they said I would receive the loan in 24 to 48 hours, it's been 72 hours and I still have not received it yet. But the young lady Westina was very nice.”

Lendingtree Online Reviews

Overall, reviews of Lendingtree are mostly positive. People frequently comment on the quick and easy loan approval process. Many were happy with the experience and had no complaints. Several were impressed with the rates. The negative reviews are mostly related to the amount of spam phone calls and emails that you will receive after entering your information with Lendingtree. Some other people were upset to have entered their information and had a hard pull on their credit, only to have been denied for a loan after.

The positive reviews are related to

The negative reviews are related to

Quick and easy loan approval process

The amount of spam phone calls and emails from lenders

Good customer service and responsiveness

Hard pull only to get denied for a loan

Good rates

Lendingtree Perks and Bonuses

Lendingtree is not an actual lender; they are an online marketplace that shows borrowers options for lenders. Therefore, any perks and bonuses would be coming from the actual lender, not from Lendingtree directly. Flexibility, transparency and technology are all important factors to compare among the actual lenders.

Lendingtree Compared to Other Lenders

There are a few other lender websites that you can compare to Lendingtree. Loan terms, loan amount, interest rates, minimum credit score and co-signer requirement differ by lender.





Loan Terms

3 to 180 months

1 to 7 years

1 to 7 years

1 to 7 years

Loan amount

$1,000 to $50,000

$600 to $100,000

$1,000 to $10,000

$5,000 to $100,000

Interest Rates

3.99% to 35.99% APR

2.49% to 35.99%

2.99% to 35.25%

2.99% to 20.49%

Min Credit Score





Co-signer Requirement

Allowed with some lenders

Allowed with some lenders

Allowed with some lenders

Allowed with some lenders

Final Thoughts

Lendingtree helps borrowers shop for, compare and obtain loans, allowing potential borrowers to quickly and easily compare loan offers in one place. Lendingtree offers a large selection of personal loan lenders with competitive rates. It also offers education resources and a user-friendly app. Even applicants with fair credit can find loans through Lendingtree. However, those with poor credit are usually not eligible for personal loans, and you must be a U.S. citizen or permanent resident. Lendingtree also shares users’ information with lenders, which could mean unwanted spam through emails, phone calls, or texts. However, if you are looking for a personal loan, Lendingtree can be a great place to start.

About the Author

Jason Steel

Jason Steel

Personal Finance Journalist

Jason Steele is one of the nation’s leading personal finance journalists, specializing in credit cards, consumer credit and travel rewards. Since 2008, his work has appeared in over 100 outlets including The Points Guy,,, SlickDeals and Business Insider.

More about me