Is LendingTree Personal Loans the right fit for you?
Last Updated: 04/18/2025
SuperMoney User Recommendation Score -70
Strongly not recommended47 total votes
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Highlights
Community Rating
Strongly not recommended
APR (Fixed APR)
6.99% - 35%(Verified 09/10/2024)
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Amount Range
$1,000 - $50,000
Loan Term (Months)
12 - 60
Number of Reviews
LendingTree Personal Loans Review
LendingTree Personal Loans is offered by LendingTree Inc., a marketplace lending platform founded in 1996 and based in Charlotte, NC. Lending Tree are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 6.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for LendingTree Personal Loans are on the lower end of the spectrum.
- Fast access to funds. If approved, LendingTree Inc. will send the money in as little as 24 hours.
- Large loan amounts. You can apply for loan amounts of up to $50,000 with LendingTree Personal Loans .
- Cosigner required. Applicants must have a cosigner to complete an application.
Lending Tree Pros & Cons
| Pros | Cons |
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Lending Tree FAQ
What interest rates and personal loan terms does Lending Tree offer?
Lending Tree has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Lending Tree offer?
Lending Tree offers a fixed APR personal loan product that ranges from 6.99% APR up to 35% APR.
How much can you borrow via Lending Tree?
Personal loan amounts start at $1,000 and go up to $50,000
What is the maximum loan term you can get with Lending Tree?
Lending Tree offers loans with terms of up to 60 months.
| Personal Loan Amount | $1000 - $50000 |
| Loan Term | 12 - 60 months |
| APR | 6.99% - 35% |
What fees does Lending Tree charge?
Does Lending Tree charge an origination fee?
Lending Tree may charge a personal loan origination fee .
Does Lending Tree charge a late fee?
Lending Tree does not disclose whether it charges late payment fees.
Does Lending Tree charge prepayment fees?
Yes, Lending Tree may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a personal loan early.
| Origination Fee | No |
| Prepayment Fee | Yes |
| Late Payment Fee | No |
What do you need to qualify for LendingTree Personal Loans?
Applicants with a credit score of at least 560 and up to 850 may be eligible for LendingTree Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. LendingTree Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by LendingTree Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | 560 - 850 |
What is the estimated funding time for a personal loan via Lending Tree?
Lending Tree will typically fund loans within 1 to 7 business days of approval and clearing necessary verifications.
Does LendingTree Inc. perform a hard credit pull?
Yes, Lending Tree performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are LendingTree Personal Loans legit?
LendingTree Inc. was founded in 1996, it is a well-established company that has been in business for 30 years. LendingTree Personal Loans is strongly not recommended by SuperMoney community users.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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SuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -70, or 1.6 on a 5-point rating scale.
-70
-1000+100
No one recommends
Everyone recommends
LendingTree Personal Loans Community Reviews
Would you recommend LendingTree Personal Loans to your friends?
Megan C.
Nov 23, 2023
May or may not recommend
I tried to apply for lending tree and the process made no sense! It was so confusing. They also made it seem like it would be quick to receive funds and here back but that’s not true. I applied and it said approved but then they were trying to get more information. Then I was told 10-14 days to process even though I was approved and then I’d still have ...Show More
DS
David S.
May 2, 2023
May or may not recommend
They commonly use false advertising to draw in consumers. They advertise rates far lower than available even to the most qualified people and also complete a credit inquiry and send a person's contact info to lenders after that person clicks on a button entitled "check current rates". Very dishonest practices.
RO
Robin O.
Mar 5, 2023
May or may not recommend
Excellent I think I have a good time with my help in offering when I'm in need
U
Anonymous
Feb 16, 2023
May or may not recommend
I got one really, really bad load offer and a month of horrible full time spam, still going..
they exist by selling your information. awful business model
TG
Tom G.
Jan 7, 2023
May or may not recommend
I needed a new auto loan and saw their marketing for APR as low as 2.64% for loans (knew I wouldn't get that, but figured they would give me competitive datapoints). The dealership and my bank are both offering ~6%. Lending Tree took all my information and gave me two quotes from two lenders - one for 8.39% and one for 17.97%. These offers were not remotely competitive, but I ...Show More
CG
Carol G.
Oct 14, 2022
May or may not recommend
Scammers! I plan on reporting them! Took loan for 7,000 and was minus 420.00,therefore received 6580.00 never told me how interest rate was way over 30$%
SG
Santos G.
Jan 4, 2022
May or may not recommend
This company is hard to work with even after getting an online quote. Alot of rework needed once you are talking to a specialist and the original quote changes drastically. I would rather go with a local bank than work with lendingtree.
MH
Misty H.
Aug 28, 2021
May or may not recommend
Forget about it if you have poor credit, I understand that your company is trying to help people but your company also has to understand that not every one has good credit.
Antonyo H.
Aug 25, 2021
May or may not recommend
LendingTree Personal Loans wow is all I can say great loans with low rates and up 5 year repayment plans for all who need a personal loan especially students. HIGHLY RECOMMENDED
LC
Lacey C.
Jul 19, 2021
May or may not recommend
I have not had much luck with lending tree. When Iooking to refinance my personal loans they could not match other competitors with their rates, they weren't the friendliest, and didn't seem to really care about helping.
KJ
Kaylee J.
Jul 7, 2021
May or may not recommend
I have taken loans out through lending tree multiple times and have had good luck. Their rates aren’t insanely high and they are willing to work with you. It is something broke college kids can count on! Would recommend!!
KH
Keith H.
Jul 7, 2021
May or may not recommend
This company is hard to work with; the rates are unbelievable and it's hard to get ahold of anyone from the company.
Sydjanai
Jul 3, 2021
May or may not recommend
There are far more cons than pros, especially when so many other, better options are available. APRs can be as high as 35%, tons of fees for lateness, prepayment, and others. They do not report to credit bureaus or offer pre-approval with soft credit pull. Everything ends up needing to be worked around, making the overall banking process much more stressful than necessary.
KK
Kathleen K.
Mar 7, 2021
May or may not recommend
Lending Tree has been a life-saving resource for me. I needed money to make a deposit on a apartment by my new job, and I did not have the money at the time. A friend told me about Lending Tree. They approved me for 3,000 dollars. I love my new apartment.
Justina G.
Feb 24, 2021
May or may not recommend
I was "stuck" with a signature loan lender for years. I had originally used them when my credit was not as good as it is now. I needed a personal loan recently and out of habit went to this same lender - 17% APR for 3 year term - ouch. Just out of curiosity I tried Lending Tree and the list of lenders they connected me with included one that ...Show More
IF
Isbeth F.
Jan 15, 2021
May or may not recommend
Honestly I’ve tried to get a loan through this company several times and I guess you have to have a credit score worthy of the gods because mine isn’t bad and I still can’t seem to get approved. Then come the harassing phone calls from god knows what companies trying to then offer you other high interest loans.. and the calls don’t stop. They turn to texts and emails and ...Show More
JF
Judith F.
Dec 6, 2020
May or may not recommend
The forms you need to fill out are long. Also the wait was long to find out if they approved me or not for a loan. I also did not like or enjoy dealing with their customer service. Even though they offer a variety of services. I have found it hard to get qualified for anything. If you don't have the best credit score I would not try to go ...Show More
OO
Oluwatosin O.
Nov 26, 2020
May or may not recommend
I didn't want to pay my high interest credit cards that were maxed out, so I decided to obtain a personal loan. I was accepted with a considerable interest and there was no upfront payment. The Customer service over the phone was great. They are customer focused. I would recommend this to any individual who seeks loan from LendingTree
TT
Ted T.
Nov 6, 2020
May or may not recommend
I would recommend using Lendingtree for debt consolidation. The ability to compare rates in one location makes shopping for a loan so much easier. The application is fairly simple and you can usually know if you have gotten the loan in as little as 24 hours. With automatic bill pay you never have to worry about missing or being late with a payment. Their webpage is easy to navigate which ...Show More
Melissa M.
Jul 2, 2019
May or may not recommend
they offer really high interest rates even when you have worked with them before and never had a late payment and have a good credit rating.
Showing 20 of 47 reviews
