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BestMoney.com
LendingTree Review
Reviews 12,823
LendingTree
Visit Site
LendingTree
LendingTree
Excellent
Reviews 12,823
Caroline Benton
Feb. 09, 2023
2 min read
Caroline Banton
LendingTree Summary
With a large network of top lenders, LendingTree has the tools you need to find the right car loan for your individual circumstances regardless of your credit score. The simple and efficient application process will quickly find the terms and rates that suit you.
Pros
  • Vast network of loan providers with competitive rates
  • No minimum credit score
Cons
  • Not a direct a lender, so rates and terms vary
  • Lack of information on specific loan types and terms

LendingTree at a glance

4.2
Editorial score

Online experience

Has learning resources and mobile app
4.0

Customer services and support

Multiple ways of reaching lender but limited hours
4.0

Loan Types

Offers all loan types
4.0

Repayment Flexibility

Offers multiple repayment plans
4.0

Eligibility (credit score)

Accepts all credit types
5.0

LendingTree LendingTree View Rates

Overview

LendingTree is not a direct lender but a loan marketplace with some of the most trusted names in the financial services industry. Through this platform, you can find a loan provider that matches your needs without having to visit several websites or physical locations. 

The company’s model promotes lender competition, which benefits you, the customer, as lenders vie for your business and offer favorable terms and rates. The vast marketplace of lenders gives customers with all levels of creditworthiness the ability to find the financing they need to purchase cars or simply refinance their existing loans at more favorable rates.

LendingTree was founded in 1996 to create a simpler way to search for loans. The company has since become one of the largest lender networks and marketplaces in the United States. 

Suitable For?

Thanks to its marketplace model, LendingTree is an ideal fit if you want to compare several options before making a final decision but may not have the time to do so. The competition between lenders means more favorable repayment terms and interest rates. LendingTree is also an excellent alternative if you don’t have an excellent or good credit rating but are still looking for financing to help pay for a new or used vehicle.

Call Lending Tree 8334121028

LendingTree Features

LendingTree offers financing for new and used cars and auto loan refinancing for customers. LendingTree’s auto loan portal includes information on inspections, manufacturer data, car values, and a forum where you can ask questions and answer other consumers’ queries. 

  • Some highlights include:
  • A vast network of lenders
  • A strong emphasis on educational resources
  • A range of loan types
  • Loans for customers of any credit standing
  • Direct car sales
  • Loan calculators to help with financial planning

Application Process

Getting started with LendingTree is fast and painless as it pre approves most customers before matching them with the right lender. To begin the application, you will need to fill out an online form that requests basic personal information, such as name and place of residence and financial details that include income level, housing status, and similar queries. LendingTree does not perform a hard credit check, so customers’ credit scores are not affected when they apply for prequalification. To be approved for a loan, LendingTree requests that you meet the following criteria:

  • Be at least 18 years or older
  • A U.S. citizen or permanent resident
  • Have a verifiable bank account
  • Have a stable source of income

LendingTree will also ask you for some basic financial details, including your debt-to-income ratio, before performing a soft credit check to match you with your ideal lender. You will also be asked to provide the following documentation:

  • Proof of residence (such as a utility or lease agreement)
  • Pay Stubs from recent months
  • Official identification documents, such as a driver’s license or passport

Once prequalified, LendingTree will display matches for each application. It is important to note that since LendingTree is not a loan originator, any final terms, rates, and amounts are settled directly with the selected lender.

Loan Types and Terms

LendingTree’s main offerings are new auto loans. The loans feature a range of amounts and flexible rates and repayment terms. You can select to borrow between $1,000 and $300,000, with terms of either 12, 24, 36, 48, 60, 72, or 84 months. Interest rates for new loans start as low as 2.49%. However, keep in mind that final interest rates and terms are provided by and agreed to with the lender the customers chooses, not LendingTree.

The company also offers loans for used cars and does not check for certain details other lenders may request, such as mileage. This means customers have a better chance of being approved and matched for a loan regardless of the car’s age. Rates shown for some of LendingTree’s partners can start as low as 2.49% for a 36-month loan.

How Safe is LendingTree?

Although LendingTree works with customers’ sensitive information, the platform keeps that information secure and only shares it when necessary. The company does share information with partners, but it is transparent about what information it collects, how it is collected, and the reason information is shared. In most cases, this is simply so that lenders can provide the highest possible levels of services to potential customers. LendingTree employs industry-standard security measures including user data encryption along with robust physical and electronic protections for its servers.

Repayment Options

If you go with LendingTree, since the company is not the loan originator, you will not work with the company once the terms of your loan have been established and funds disbursed. LendingTree’s partners generally offer flexible repayment terms ranging from 12 months up to 84 months and with interest rates that are more favorable than many competitors. Many of LendingTree’s partners offer automatic payments, but this varies from company to company, and customers should always confirm the preferred method to repay their loans with their chosen lender.

Help & Support

You can get in touch with LendingTree via phone on weekdays and Saturdays during regular business hours or via email at any time. The company’s FAQ could be easier to navigate; however, it does feature several helpful sections with useful answers to questions on the lending process. LendingTree features an impressive trove of educational resources, such as a variety of calculators, articles, guides, and lender reviews to help you make the most informed decision possible. 

Call LendingTree 8334121028

How LendingTree Compares


APRfrom 2.49%
varies
Min.credit score NoneNone
Loan amount$5,000-$300,000Up to $45,000
Repayment terms12-72 mo.Varies

Lending Tree’s APRs compare favorably to competitors, but if you do have excellent credit then you could theoretically get a better APR with AutoGravity. LendingTree excels at both high value loans, offering a larger maximum than its competitors of $300,000, and its network of lenders offers a much larger variety of terms, ranging from as little as 3 months to as much as 180 months

If you suffer from low credit, then you are better off with LendingTree. AutoGravity also connects low-credit borrowers to financing, but its model is slightly different, as the financing comes from auto dealerships, rather than private lenders.

Final Word

LendingTree’s marketplace model lets you compare options, which forces lenders to offer competitive rates. The simple and efficient application process matches you with the right lender. LendingTree’s ability to work with customers with all types of credit is a bonus to its auto loans search service.

Physical Address

Lending Tree LLC

11115 Rushmore Drive

Charlotte, NC

28277

LendingTree LendingTree View Rates

Caroline Banton
Written by
Caroline Benton
Caroline Banton is a freelance writer of business and finance articles that have been featured in The Huffington Post, The Motley Fool, Time, MSN, PYMNTS.com, GOBankingrates.com, SaleMove, and MyBankTracker.com. Before becoming a writer, Caroline had over fourteen years of experience working at the World Bank. Caroline has an MBA from Johns Hopkins University. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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See what some costumers are saying about LendingTree
LendingTree
Excellent
Reviews 12,823
on
Excellent
81%
Great
10%
Average
2%
Poor
1%
Bad
6%
J
john v
18 hours ago
Ended up going with NBCK bank
Ended up going with NBCK bank. It was a long drawn out experience because it was a probate loan with special circumstances unique to CA. Dan Rader who I worked with was hands down the BEST. In my opinion he went out of his way to help me secure the loan.
B
bg
a day ago
Easy and quick
Easy to apply . Got the money within a couple days 😃
S
stephanie asahan
a day ago
Thank you
Fast and easy process. Approved and deposited in 2 days.
A
ara babayan
a day ago
Highly recommend
Quick response, good communication, smooth process.
G
gaudencio caudillo jr
2 days ago
Easy no hassle n great agent to work with fixing shingles I've been like another complications I needed someone who who
No pressure on making a decision and the company work with me on what I needed to be done in my case great work
W
walter
2 days ago
Working with Mr Jackson Kemple
Working with Mr Jackson Kemple, he is amazing and knows what he is doing. He was able to get everything together and to a closing in three weeks time. He was able to get it all done, and Empower FCU could not do it in three months. My wife and I are very after trying for 9 years to get refinanced . Thank God for Lending Tree, and Mr Kemple.
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michael wade
2 days ago
Great company to apply to
There a very price company to apply to
S
sue
2 days ago
S Davidson
I was impressed with the immediate response to my question. I would recommend this company to friends and family!! They are willing to help every step of the way!!
I
ian baird
3 days ago
Site was easy to navigate and served as…
Site was easy to navigate and served as a great resource for finding out the info I needed. Thanks!
C
contrera santana, daisvel
3 days ago
The process is very fast
The process is very fast, you are very professional, thank you
T
tracy calhoun
3 days ago
No Judgement Zone
I hate going to the bank and being judged, rejected and made to feel less than human all based on a made up numeric system. I took a chance on Lending Tree and WOW it was amazing. It was easy and fast. They offered more than I asked for and treated me like a human. The people who helped me were kind and incredible. I will never go to the bank again. Lending Tree for life!
E
ernesto miranda
4 days ago
Great
Great, easy and quick.
J
jack white
4 days ago
They are a great company to use. I have referred my friends and family to them. I would use them again
I would recommend Lending Tree to all my friends and family. They are easy to apply with and their online application is easy. I will use them again in the future
J
judith pierre
4 days ago
It was a great experience and thankIt was a great experience and thank you so much I will definitely do business with you again you…
It was a great experience and thank you so much I will definitely do business with you again
R
roy carpenter
4 days ago
I’m new at this but so far I give 5…
I’m new at this but so far I give 5 stars 1.they made me feel comfortable 2 the respect & friendliness 3. How they explained how easy it is to pay back so thank you so much
J
juan leon
4 days ago
Lo mejor de lo mejor no tengo como…
Lo mejor de lo mejor no tengo como explicar que si funciona y salí satisfecho con el resultado.
B
bonnie robbins
6 days ago
Nicole was wonderful She was…
Nicole was wonderful She was knowledgeable and made a stressful situation enjoyable. The whole process was completed in one meeting. Thank you One Main and thank you Nicole!
S
susie jasper
6 days ago
Easy and efficient
Easy and efficient
R
raul rodriguez
6 days ago
Easy and fast
Easy and fast. That's the way to innovate personal finance today! Keep up the good work.
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greg biastock
6 days ago
Complete joke
Complete joke. No actual lenders. Just sold my name to every dealership in the state. Lol. Already have vehicle delivery. Not a single actual auto loan offer with a credit score in the 800’s. Complete waste of time.
J
jack m.
7 days ago
Very easy
Very easy, smooth transaction. Received the loan in my account quickly.
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holly lubahn
7 days ago
Everything was going great last night 4…
Everything was going great last night 4 companies approved me but when I woke nobody put $ in my acct and today I can't get a single approval
J
janet shaw
8 days ago
It was an easy application process
It was an easy application process, took several days to find out whether or not I was going to be funded, but it was worth it!
G
george piedra
8 days ago
Easy and fast service
Easy and fast service
M
michael donohue
8 days ago
The loan was simple and convenient
The loan was simple and convenient. I highly recommend this service.
S
shun bowen
8 days ago
Great financial solution
Great financial solution I used the suggestion on here about David _financialconsultation and his transparency is outstanding, been looking for a mortgage loan and was just funded without much requirements and very interesting low interest rate. I have to leave a review here about his services as I will highly recommend anytime
K
kathryn c.
9 days ago
Fast, Easy and Great Rate
From the time I applied to the time I received the funds in my bank account was fast. I also had lots of options to choose from and was able to get a really great rate!
S
sean cusack
10 days ago
I got blown off by my closing agent
I got blown off by my closing agent, blown off by the supervisor, and ignored when I tried to call back the closing supervisor. I would not recommend this company. After they sign the dotted line they are done with you. If I could give lower than a 1 star I would.
S
stephen f.
10 days ago
The lady I spoke with in the Columbia
The lady I spoke with in the Columbia, SC was extremely helpful and insightful. She mentioned that although it was a small loan of $1500, that this would continue to help build my credit score.
W
will yorgey
12 days ago
Took all my information and said the…
Took all my information and said the dealer would call me. Great, exactly what I wanted, a sales call. I could have just called them first. My credit score is over 800.
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brittinie terry
12 days ago
Requesting loans
The interest rate are extremely high. It wasn't with the loan amount that I received.
J
jeffery german
13 days ago
100% professional and friendly
100% professional and friendly
M
michelle brumley
13 days ago
Simple
Simple, Fast. Great experience for a little peace of mind!
M
mabel kyeyune
13 days ago
Very easy and straight forward
Very easy and straight forward. Communication is great. I am so pleased with the services. Always they give you options and you choose depending on your requirements. Thanks.
Y
yondelle gottesman
14 days ago
This was so fast and easy
This was so fast and easy. I was not too sure about it. But I was put on to someone who take her time and everything went OK. It only take me three days. Very please with my experience.
T
tony g
14 days ago
Made my phone unusable!!!
After entering my information to get suggestions for possible lenders, I'm thinking I might have to change my phone number! Between my home phone and cell phone (which I NEVER gave them!) I've gotten at least a few dozen calls within the last 24 hours. And some of them are crazy aggressive calling back every half hour or so even after I told them i'm not interested.
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elena rivera
14 days ago
I received the best offer according to…
I received the best offer according to my score! The personnel were very professional and very helpful/patient. I was nervous since it was my first time and after talking to them i felt confident. Thank you! 👍
A
adrienne adamson
14 days ago
The service was fast
The service was fast, efficient, and professional.
R
rachel winiecki
15 days ago
Trying to enter creditors was frustrating with no real help available.
My only complaint is trying to list my creditors. The site wouldn't recognize one of my creditors so it wouldn't take any information. To make it worse, nobody is able to help you enter said information. Everyone Wants to Help but apparently Are NOT Prrmitted to. You Need a Better System...
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thomas nicholas
15 days ago
Great and fast experience
Great and fast experience. Got funds within a day of applying.
K
katherine gee
15 days ago
Lending Tree was right on the spot
Lending Tree was right on the spot. No hesitation. I appreciate being given the chance, time and support I needed.
A
archer59
15 days ago
Although I did find a good lender…
Although I did find a good lender through Lending Tree, I am only giving it a 3 star review. This is because I got deluged with lending companies both on email and more importantly on my cell phone. As far as I know there is no way to shut this off , even after financing is completed. I would give a higher rating if you could cancel it or restrict responses to email only.
S
steven barnard
15 days ago
Fast
Fast, easy, money was in my account within 8 hours.
R
rick carlesco
17 days ago
You need to complete
Well the rates and competition are great but it kind of fell apart after that. Kind of the difference between engagement and marriage. I bought a Motor Home and I picked up on April 22nd. I still don't have my paperwork to get platers and register the vehicle.
C
claudette sylvain
17 days ago
Horrible too many people texting you. It’s ridiculous.
It’s horrible too many people texting you and calling you. It’s just ridiculous. You are rated number one.
r
ricky glover
17 days ago
mail the paper work,for i know were to…
mail the paper work,for i know were to make my payment's ,customer service was very good .18% was very high but i got to paid off some credit card's Thank's for the help.hope to pay off sooner.
S
sidney correll
18 days ago
All is well good things happen for them…
All is well good things happen for them that wait
C
cb
18 days ago
Only 2 lenders queried
Only 2 companies queried, and they rejected to extend the offer. The website is responding with "Congratulations" and in the text they mention 2 rejections. No hint about next steps, no explanation why only 2 lenders were queried.
D
douglas bradshaw
19 days ago
It was quick and easy thank you so much!
It was quick and easy thank you so much!
S
scott
19 days ago
very easy to use
very easy to use, all offers in a convienent place. if you change your mind no annoying constant emails. very smooth process overall.
W
william lambert
19 days ago
I tried your site and I got a message…
I tried your site and I got a message stating you couldn't retrieve my credit score. because of this you sent me some ridiculous loan offers of 26%+. i have excellent credit and you send me this?
L
leonard contessa
19 days ago
Great Job Lending Tree
Working with Lending Tree was fast and easy. They found a great loan for me. I have paid off a major creditor with an exorbitant interest rate. My loan will be paid in 3 years in full. Very happy with my decision and my savings.
J
javier chavez
19 days ago
On my second loan
On my second loan, very great, accurate and quick !!!! Thanks once again for coming thru !!!
L
larry brockman
19 days ago
Professional service and treatment
Professional service and treatment, the representative helped me go through different loan possibilities that would fit my needs, and to give me the least expensive loan to fit my parameters. I received my funds in two days! Excellent service, thank you! Very satisfied.
J
jesse leitner
20 days ago
The lending agent made the process as…
The lending agent made the process as painless as possible and kept me in the loop with everything going on. It was especially important in this case since there was a significant time urgency. I could not have asked for a better experience in obtaining such a challenging loan.
S
some guy building a business
21 days ago
650 Score = 50% interest and PPP - Yikes
I know that your a funding lender, and need to make profit. However, i borrowed 15k - and need to repay 22k in 12 months. Also, had to fight to get the PrePayment Penalty Reduced ( they wanted 75% of the interest even if i paid it off in a single month ). Plus, 50% Interest should be illegal. I get it, im a "Risk" - even thou, i borrowed 80k last year and paid back in 9 months with another company. ( that didnt matter, cause, Quickbooks doesnt report credit ) Now... the biggest kicker is, even thou i got the PPP Reduced to 100% on Payoff - there is ZERO way to make an Additional Payment on top of the scheduled payments. Meaning - if you make an Additional Payment, you are really only paying off interest and Principle on the backend of the loan ( which to me is un-earned interest ) . Dont get me wrong, i know im a risk at doing 150-300k in business with a 651 score - since i DONT borrow Money. However, i do need to establish credit, if i want to take my company to 1mil a year in rev.
C
cynthia
21 days ago
quick response
quick response, great customer service, regional financial
M
minh nelson
21 days ago
Ease of use
Easy to use and reputable options.
M
mark miller
22 days ago
Great job very easy to understand
Great job very easy to understand
N
ned jipson
22 days ago
great job thank you for working with me
great job thank you for working with me
E
elizabeth garcia
22 days ago
Process was very streamlined
Process was very streamlined, very helpful staff
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willie merrill
23 days ago
They get you in the right direction to…
They get you in the right direction to find better opportunities
V
valerie doolittle
23 days ago
Stress free process
Stress free process. I don't think I have ever had such an easy loan process.
R
rich
23 days ago
Loan Depot Exceeds Expectations
Loan Depot was great to work with! They continually kept up updated on progress of the loan process and were very responsive to our questions. Professional and caring all in one. They tailored the loan to meet our needs and bent over backwards to get us to best deal.
S
sam comer
23 days ago
It was very easy to apply online and…
It was very easy to apply online and the approval was very quick. Thanks so much
R
rosa echavarria
24 days ago
Excellent service
Excellent service, professional people overall friendly.
T
thomas barden
a month ago
I have not closed yet even though they…
I have not closed yet even though they say I was approved.
J
joseph theisen
a month ago
Ethan helped me out the whole way…
Ethan helped me out the whole way through the loan process. He usually answered the phone or returned my calls in a timely manner. Ethan made the process alot less stressful
L
luke zielinski
a month ago
Good selection and services
Good selection and services
D
danny darling
a month ago
Lending tree was great to deal with
Lending tree was great to deal with. They were fast and efficient and i would recomend them to anyone.
T
thomas f
a month ago
Lending tree was great
Lending tree was great. Very fast and had my deposit within a business day. Highly recommended!
E
elizabeth montgomery
a month ago
GREAT EXPERIENCE
GREAT EXPERIENCE Tara did everything possible to get my loan approved quickly, easily, and at the $ amount I need. She also took the time to explain every detail.
R
renee short
a month ago
Great Experience
Great Experience. Simple process.
T
tener bregel
a month ago
Easy process
Easy process , received my funds in 2 days
R
reviewer
a month ago
Don't do it
I worked with Ovation (a Lending Tree product for disputing credit report items) for nearly a year and they repeatedly went several months without taking any dispute actions across multiple reporting bureaus. It has been a huge waste of money and time. Work with a different company.
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alice stuart
a month ago
A good and expedient experience
I used this site because I wondered if I could get a small loan without proof of income. This site shows me a nice list of places that would be helpful.
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sonya middleton
a month ago
False advertisement
Your company is false advertisement completely you say that you offer loans for any type of credit is accepted I therefore apply for a loan for $7,500 and you send me to all these crap advertisement ads that has nothing to do with what I want or need and then when I finally do get to your approval page you deny me you do not know how to run a business because your customer service sucks ass
R
roberto m morales
a month ago
I did not close any loan with you?Let…
I did not close any loan with you?Let me know what loan you closed under my name or under my bussines because can be a huge fraud.
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ms. wilson
a month ago
When Life happens!
The overall experience was great from start to finish. I completed everything online. Just a simple application to verify my info and the loan was funded in one day! If there’s one thing I’d change, it would be to personalize the loan initiation fee. I’d suggest they base it on the applicant’s credit worthiness/ financial history instead of the requested amount! I would hope this would give some people a break on the excessive fee(s) to begin with Thankful for the help!
R
richard mares
a month ago
Everything great
Everything great
M
melissa
a month ago
Convenient to have available loans in…
Convenient to have available loans in one space, even though many already in the past mailed me advertisements. Quick and helpful. I did not appreciate cold call before I even had a chance to look at sample rates from one of the companies. Once I chose one, was quickly approved.
J
jeffery lal
a month ago
This company is so easy to deal with…
This company is so easy to deal with getting my Loan approved and into my Bank account very quickly. Thank you for being there for me!!!!
R
roy klein
a month ago
What went wrong
What went wrong? Well, let's see...you decided to INSULT me by offering me a $4,000 loan when I specifically requested $25,000. You should have just simply denied me.
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peggy rivera
a month ago
I am in need of a personal loan
I am in need of a personal loan. My income was reduced but the bills haven’t been reduced and I find myself with more money going out than what’s coming in. I need to pay off and restructure my monthly bills!
L
linda brougher
a month ago
Great customer service when I applied…
Great customer service when I applied they contacted me right away company is also local very happy with everything
S
stefan eller
a month ago
I found the process to be easy to…
I found the process to be easy to follow and those I interacted with to be responsive and kept me informed along the way. As long as I submitted my docs on time, the whole process was well within the time-frame I was given.
M
megan gjetley
a month ago
Ease of use
Process was easy, placed me in contact with lenders who aligned with what I needed. Loan process was quick and simple.
D
daniel beatham
a month ago
Very easy experience
Very easy experience, needed some extra cash quickly to pay off some dept and this was very smooth and quick.
M
mohammed
a month ago
Fast and great service
Fast and great service
A
a. hill
a month ago
Lending Tree led me to Mariner Finance…
Lending Tree led me to Mariner Finance where I was able to obtain my personal loan. The requirements were easy and their staff was very helpful and professional. After confirmation of my personal information, I was able to close and receive my my funds.
J
jco
a month ago
Same rates as credit cards and higher than banks
Imagine being able to pay $1500 a month in credit card bills, never missing a payment and always on time with a 700 score and then deciding to get a consolidation loan, but the payments are $1200 a month with 22% interest. No thank you! Go to a credit union or a local bank and you’ll get better rates by far. 90% percent of offers are to settle your accounts instead of consolidating them. This will hurt your credit score
D
damian miller
a month ago
it was an easy process
it was an easy process, and the rate was much better than the things i paid off with it, it was still a bit high, but that was expected
J
jeanette knox
a month ago
Great customer service
Kind. Helpful knowledgeable Easy to apply with real person that I was able to understand. Great Customer Service
s
shane english
a month ago
Super easy to see different loan…
Super easy to see different loan options, easy applications and quick responses. Excellent website to use
D
deana
a month ago
The application process was easy
The application process was easy, the verification was quick and the funding was within 24 hours . Everything ran seamless.
S
sharon gowl
a month ago
Such a smooth and easy experience!
Such a smooth and easy experience!! Highly recommend!
D
darlene henson
a month ago
Brandy
Brandy, was the best!!! If I ever need another loan I will definitely use you.
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josh w
a month ago
Bait and Switch and not helpful
Bait and Switch and not helpful. Went to site and clicked through for a new purchase auto loan, already have vehicle on order. Instead of giving me rates and loan offers it sent my information to a dealer (different one from where i am buying my truck) and not one loan offer or overview was given. I have excellent credit, very low debt, and good income. Total waste of time. They just want to make money on a referral for a vehicle purchase instead of providing a loan. Useless.
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norma santiago
a month ago
Es una empresa de confianza
Es una empresa de confianza, con aprobación rápida.
M
mohammed rashid
a month ago
in short time this refinance prosses done it was remarkable, specially my agent whee was great, i am very happy about this process and i will recommend everyone.
time and professionally was great, very helpful experts in this organization .