LendingTree Personal Loans Review

Rating: 9.9 / 10 (Excellent)
15 Customer Comments & Reviews - see all comments
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Founded in 1997 and based in North Carolina, LendingTree is an online loan aggregator that connects borrowers with lenders in their vast affiliate network. The company offers a comprehensive range of financial products, including mortgages, as well as personal, student, auto, and small business loans. As a duly licensed mortgage broker, the company is equipped to handle most borrowing needs and various types of credit profiles.

How is LendingTree rated?


Loan Specifics
Cost of Loan
Lender Reputation

Overall Rating: 9.9 / 10 (Excellent)

LendingTree scores highly with us because of flexibility and unsurpassed customer satisfaction. The company can provide personal loans for basically anything, connecting prospective borrowers to its huge list of trusted and vetted affiliates, effectively providing every type of rate, term, and loan features option under the sun. As online marketplaces go, there's really no one else that has operated so effectively for so long. Customer opinion is universally positive, and usually concentrated on privacy, ease of use, and speed of the loan approval process.

LendingTree Loan Specifics

Loan Specifics - 10 / 10

LendingTree offers personal loans in the amounts of $1,000 - $35,000. The company allows customers to apply for a loan for basically anything. Some of the main uses include debt and credit card consolidation, home purchase, financing education, medical expenses, and starting a business. LendingTree offers maximum flexibility of use, even going so far as to have an "other" option. All other loan features like term and disbursement time will completely depends on the lender you choose from LendingTree's affiliates.

Loan Uses

Debt/Credit Card Consolidation
Buy Home
Major Purchase
Home Improvement
Medical Expenses
Start Business
Loan Minimum
Loan Maximum
Term Length
3 months-15 years
Direct Deposit
Pay Creditors Directly
Decision Time
Depends on lender
Disbursement Time
Depends on lender
Credit Insurance
Unemployment Protection

Representative Loan Sample

An example of total amount paid on a personal loan of $10,000 for a term of 36 months at a rate of 10% would be equivalent to $11,616.12 over the 36 month life of the loan.

LendingTree Qualification

Qualification - 10 / 10

Although the specifics of qualifying for a loan through a LendingTree affiliate will differ from lender to lender, it is safe to say you will generally need a FICO score of 629 or above, have a verifiable bank account, and be a US citizen. Additionally, for personal loans the debt to income sweet spot is around 36%. LendingTree is an excellent resource for those who are unsure of their qualifications. As the company can use your personal information to filter only those offers you are most likely to qualify for, it provides maximum flexibility for potential borrowers of all types of financial backgrounds.
Minimum FICO Score
Personal Income Considered
Education Requirements
Depends on lender
Debt to Income Ratio
Verify Bank Account
U.S. Citizen
Hard Credit Pull

LendingTree Cost of Loan

Cost of Loan - 10 / 10

Generally speaking, a survey of LendingTree's personal loan offers yields an average APR range of around 5.99%-35.99%. Obviously only those with good to excellent credit will qualify for the low end of this spectrum. All other fees will vary depending on the lender. While origination fees typically hover around 1%-5%, be sure to explore all options because there are plenty of providers these days that waive origination fees, and who also feature no additional fees period. As mentioned before, this is where the strength of LendingTree's vast network really comes to the forefront. Customers can sort through a myriad options to find the cheapest one.
APR Range
Origination Fee
Depends on lender
Missed Payment Penalty
Depends on lender

LendingTree Reputation

Lender Reputation - 9.5 / 10

LendingTree has by and large a positive reputation with its customers online. The company has an A- with the BBB and more positive reviews than negative, which is unusual for a company so dominant in its business sector. What's more, the company's Trustpilot score is impressive with 95% positive reviews. Customers overwhelmingly cite speed and ease of use in their personal loan experience.
Type of Lender
Year Founded
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Trust Pilot Rating
9.3 out of 10
Date Collected

Company Profile

Full Name
LendingTree Personal Loans
Company Website
11115 Rushmore Dr, Charlotte, NC, 28277

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15 Customer Comments & Reviews

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Chicago, Illinois
they are ok, the application takes longer than you'd like and then when they did talk to me, my credit wasnt good enough to proceed. but overall a good experience and Ill be back. the rates offered were very good.

Jessica R
Arlington, Virginia
Did nothing for me

Odalys G
Miami, Florida
Excellent company

Bogue Chitto, Mississippi
The lendingtree company has been a great to me and i hope that will continue to help me in the future!

Katie S
Placentia, California
This company is full of crap! They showed both my fiancé and I approval by three separate companies for each of use at 28% apr(which is bad enough) but when all 6 were actually applied for they wouldn't approve any! Total waste of time!!!

Easton, Pennsylvania
It was very convenient when you're in a tight spot to have someone help you out. It's nice to be able to borrow from somewhere.

John l
Dallas, Texas
We will. See how it works out

Susan W
Antioch, Tennessee
I was approved for a personal loan with you and I can't get to where I can sign the loan approval papers that is all that you need me to do was sign.

Shelbyville, Kentucky
Very simple to use and helpful

Very soft in explaining all questions related to loan procedures

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9.9 / 10
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