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BestMoney.com
LendingTree Review
Reviews 12,477
LendingTree
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LendingTree
LendingTree
Excellent
Reviews 12,477
Caroline Benton
Jun. 17, 2021
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

4.4
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
5.0

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 {{phone}}

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 {{phone}}

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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LendingTree
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See what some costumers are saying about LendingTree
LendingTree
Excellent
Reviews 12,477
on
Excellent
81%
Great
10%
Average
2%
Poor
1%
Bad
6%
C
casey giroux
20 hours ago
It was very easy and quick and saved me…
It was very easy and quick and saved me a ton of money on interest.
L
leonel ponce
a day ago
My experience Was a very great one from…
My experience Was a very great one from start to finish. I was a little hesitant at first but, I prayed about and I needed to do this for my family. Lending tree gave me options and made it very very simple to choose from companies. At the end of the day, I’m doing this for my family and I get to save about $500 monthly on bills which is such a blessing and relief at the same time. I would definitely recommend them to anyone and the one thing I would have to critique is all the calls lol. Not all companies but, certain ones just called too too much which gets annoying at times. Thank you all again and God Bless!!!
A
ao
a day ago
It was fast
It was fast, quick, and easy.
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carl fam
a day ago
I connected with my current bank (even…
I connected with my current bank (even though it was through the Lending Tree submission) and they were able to help us lock in a good rate for our HELOC. The one things I do not like is that when I submit a request to just look at rates and see what the possibilities are, within minutes I am getting emailed and texted by many different mortgage people. Those emails, calls and texts go on for like a week. There just has to be a better way to talk to ONE person from Lending tree to first see if what we're trying to do is possible, and THEN submitting our needs to different banks/companies. The current way is actually pretty annoying. My bank contacted me a few days later, and the only reason I picked up the phone at that point was because it was my current bank.
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eric dietz
a day ago
It was so easy
It was so easy. I did it all on-line. Very fast Service. I loved the options I was given so I can pick one to my budget.
A
anthony lash
a day ago
Being approved is a great feeling.
Being approved is a great feeling. The only issue I have is that the interest rate is higher than my state laws allow.. but other than that so far so good 👍
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patti jones
2 days ago
Great company
I am very happy with the company Lending Tree referred me to. ILending has been great. I refinanced my car at half the rate and the paperwork they needed was quick and easy. Going to tell my friends and family about my good news.
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jill
2 days ago
I got approved!
Through Lending Tree, I was connected with a company that approved me in one day. The money was in my account the very next day! Thank you Lending Tree and most of all Reprise Financial. ☺
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mrs.j
2 days ago
Lending tree was extremely fast and…
Lending tree was extremely fast and helpful. The process was fast which made things easier for my family and I.
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dawn cornell
3 days ago
It was pretty easy and not complicated
It was pretty easy and not complicated. Don't like not speaking to an actual person though. As far as the interest rates, their high. But you should expect that if your credit is screwed up. However, they do give you a lot longer to pay off the loan w/direct deposit and no penalty for paying off early. Which should be your goal anyhow.
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sarah fina mardy
3 days ago
The process was easy
The process was easy, I’m very satisfied with everything.
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gay ann talley
3 days ago
It was easy
It was easy, no hassle. I was afraid it was going to be a long process to hear from lenders but it wasn't. Very pleasantly surprised. I would recommend trying Lending Tree, good source for loans.
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lisa
4 days ago
Fast response and easy application…
Fast response and easy application process
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antwuanitius harris
5 days ago
That this 💯 percent real
I love how they do things on this app because it's straight up in down trust this app will not let you down not at all most definitely reliable
P
pamela ward
5 days ago
Easy process
Easy process, friendly people to work with!
A
albert agyemang
7 days ago
The level of professionalism and…
The level of professionalism and attention to detail was immense. The process made me feel valued.
B
bonnie stout
8 days ago
Wasn’t any help in
Wasn’t any help in
D
dena flowers
8 days ago
Fast service.
Fast service.
P
peter fitzpatrick
8 days ago
Very Quick and secure
Very Quick and secure
R
roberto concepcion
8 days ago
The process was fast and simple to…
The process was fast and simple to complete. They provided a good amount of options to assist me in making my choice.
c
customer
9 days ago
Lending Tree Review
This was the easiest, quickest and most non-stressful experience. From the first contact to deposit of funds was less than 48 hours.
S
sherry breeden
9 days ago
A piece of cake.
The easiest thing I have ever done, EVER!
Z
zehneniah wallace
9 days ago
Two loan loss in rhe schuffle…
Thought I Was getting one loan waw given two. Loans were given by lending point and Acheive. Even though moneys were returned both companies want to be paid in full 1,200 for Acheive who I cancelled because of confusion and similarity of both companies.Loanpoint is giving me 1,000 less on the same loan. I was completely confused. Why else would I take two loans with same amount and the one that would give me less money.
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sandi clark
9 days ago
Quick and easy can't believe how it was.
Quick and easy can't believe how it was.
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gerri sims
10 days ago
Easy and helpful!
Easy and helpful!
J
james vanlandingham
10 days ago
Answered all my questions and explained…
Answered all my questions and explained all the payment options
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earnestine cooper
10 days ago
Applying for a loan was quick and easy
Applying for a loan was quick and easy. I like the fact that you can choose the lender and the terms that best suit you. No headaches and less complicated than I would have believed.
M
marina carter
11 days ago
The process was so understandable and…
The process was so understandable and easy to follow. The fees are also very reasonable and helps me as a working person handle an overwhelming amount of bills due to being unemployed and now employed pay them down. I am grateful!
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charlotte sweeney
11 days ago
Good Experience
The experience was basically straight forward and easy to apply however there could be much few reminder emails and advertisements.
J
john stoker
11 days ago
Every time I had questions
Every time I had questions. On phone or email, very helpful and answered all my questions. They were patient when I was getting inpatient. Thanks again for all your hard work.
K
kevin burns
11 days ago
Thank you all for working so hard for me
Thank you all for working so hard for me
M
miguel guzman
11 days ago
Todo fue muy facil
Todo fue muy facil
C
cheri thomas-conyers
12 days ago
Great personal service from great people
The people that I worked friendly, joyful and help me feel my loan was a great fit in my budget
S
sandra coleman
12 days ago
They were polite very friendly and very…
They were polite very friendly and very very courteous they may experience amazing as I was stressed when I went in but I wasn't when I came out they really helped me thank you so much
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amy kelly
13 days ago
Very fast results
They contacted me right away! Gave me what I call an estimate of my buying power and was out searching for homes in my area within a week !
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terri hasse
14 days ago
I got an email saying i got a loan
I got an email saying i got a loan. i have not applied for a loan or even asked for a loan.
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dale barclay
14 days ago
I have no loan thru or provided by…
I have no loan thru or provided by Lending Tree. Someone is using my identity to get a loan. I plan to call them and find out what is going on.
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patricia lovelace
14 days ago
This experience was so easy to do
This experience was so easy to do. Everything was explained clearly. The offers were just what I needed. The connection to the lender was easy to use. I had the acceptance almost immediately and the money in my account in a few days! I would recommend it to anyone!
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carlos g de ferrari
14 days ago
Was easy and trusted the right way…
Was easy and trusted the right way putting my hands on the right place thanks so much
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john didelis
14 days ago
Balinda at One main was totally awesome very polite very well mannered and very helpful
Everyone I dealt with from lending tree to one main Have been extremely friendly professional and extremely helpful This was a very helpful unpleasant experience
M
michael kutch
15 days ago
It was very simple to complete the…
It was very simple to complete the necessary application and wait for the answer. The people were helpful and very professional at all times. Thanks
C
carolyn foster
15 days ago
My boyfriend introduced me to linding…
My boyfriend introduced me to linding tree. He is helping me a great deal on teaching me hot to get controll of and buildy credit. I love linding tree and highly recommend it to everyone. ITS VERY HELPFUL FAST EASY AND MOST OF A FREE!!!
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sherry choice mcgilvery
15 days ago
Loan for Sherry McGilvery
We are trying to find a reputable company to get a loan from
R
raynia eller
15 days ago
Everyone was nice
Everyone was nice
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pd
15 days ago
It was very good they helped me really…
It was very good they helped me really well and the matter took a very short time
K
karen riddle
15 days ago
Loan ExperienceI It gave options of companies and their…
It gave options of companies and their interest rates. The online application was quick and easy.
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big tee
15 days ago
I did not close a loan with Lending…
I did not close a loan with Lending Tree company.
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timothy robinson
15 days ago
It was very simple and easy to do
It was very simple and easy to do. The entire process was done within a few days. I would definitely use lending tree again.
G
guillermo blancas
16 days ago
Excelent customer service very good
Excelent customer service very good
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mercedes mungia
16 days ago
I gave a bad review previously and I…
I gave a bad review previously and I was so wrong for that. I’m grateful for this company because of you I can finally breathe a little easier
K
karen hanes
17 days ago
AWESOME
Everything went great. Rick Reyes handled everything absolutely amazing. I am really happy with my experience.
Y
yvonne nieves
17 days ago
I am grateful for the opportunity given…
I am grateful for the opportunity given to me. I will be able to pay off my debt. Concentrate in one payment instead of a few...
P
patrick gamere
3 days ago
Great rate quick.
Found a great rate for me within moments with a company I’ve used before and trust.
H
horacio becerra
18 days ago
Son unos mentirosos nomás buscan…
Son unos mentirosos nomás buscan información
N
nilesh wadhwani
18 days ago
waste of time look SCAM to me
waste of time, look like SCAM to me this site will ask all your financial information Earning, Liquidity, SSN, Contact, Address, DOB and give you worst offer Rate be CAREFUL with this kind of sites.. I was looking for Auto loan with my credential have much better offers .. they may share your data with unreliable folks big NO NO
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dawn mcm
18 days ago
Great service
Great service! Needed to consolidate several bills, got approved super fast, for the amount I wanted. Bills were paid off 7 days after I applied. Getting a signature loan after a chapter 7 in 2021 was very encouraging!
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sondra hurley-ominde
18 days ago
Trust worthy lending experience
Trust worthy lending experience
K
kelly dwyer
19 days ago
I added 2 credit cards to my loan to be…
I added 2 credit cards to my loan to be paid off. Nothing has been done. The remaining loan deposited into my account but missing $7000 that was to be paid to my credit cards. Please advise. Kd
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d.
20 days ago
Good experience.
Good experience.
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melody g
20 days ago
Prepare to never rest again
Although I will say that after some research, I found a company through them, their first listed option, Refijet? On Google, listed MUCH lower reviews than on LT site, and for the past 2 weeks I have been INUNDATED with calls, texts, AND emails from them. It's worse than a debt collector at this point. Average is about 5 phone calls a day... and within the first few hours, I had SEVENTEEN calls and SIX texts from DIFFERENT agents from refijet alone. Plus EVERY option on the list was instantly calling me> I put my phone in the other room cuz I quoted out while I was on break at WORK- I didn't expect THAT AGGRESSIVE of a response. Ultimately I got what I was looking for, hence the 3 stars, but there needs to be a "contact me during xyz time" that these loan officers need to follow.
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carolyn
21 days ago
I was going to a payday loan but my…
I was going to a payday loan but my niece told me to try lending tree and I’m glad I did because I got a loan with no problem and I would tell someone about my experience
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thomas tozier
21 days ago
Easy to apply
Easy to apply
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david true
21 days ago
Quick and easy.
Quick and easy.. I called a few times for assistance because of my anxiety and they helpful and understanding.
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richard r.
22 days ago
They have a lot of offers for you
LendingTree work with you they are there to get you trough what you need ,
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wanda
22 days ago
Should of listen.
Got in touch with your services . Got a call went out there received loan and go t things all figured out. Should have listen to you guys early. Thanks
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jack throckmorton
22 days ago
Reliability
Reliability
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consumer name
22 days ago
Unfathomable SPAM
Be prepared to receive countless phone calls and emails. Rather than have a list of potential lenders to choose from, you get a bunch of pushy salespeople calling you. you will have to add yourself to do not call lists and unsubscribe from their emails. I will never use again. Terrible experience.
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gary eyler
22 days ago
You guys were quick and the process was…
You guys were quick and the process was super easy.
C
charlene rowe
22 days ago
Everything went smoothly and quick.
Everything went smoothly and quick.
c
customer
22 days ago
It was quick and straight to the point
It was quick and straight to the point. Once you decided with you needed, an agent called to walk you through. If you decided you need something else they were there to assist. Thanks 😊
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sven ponto
23 days ago
Pretty worthless
Overall fine but definitely allot of bait and switch going on here and a waste of time. Was pre-qualified and approved at a specific rate then pushed to a higher rate when I was too far into the process to start over again. The lender laughed and admitted that is how it works. I could have just gone direct to a major lender and accomplished the same thing faster.
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the american
23 days ago
Click baited via their advertised "Auto…
Click baited via their advertised "Auto loans as low as 2.49%". Have outstading credit (825+) with zero debt to boot, yet "My Special Rate" comes back at 7.5% plus, even with a substantial amount of money down? GTH Lending Tree.
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karon rakoz
23 days ago
Citizen's Bank was great to work with!!
My experience with Citizen's Bank was a 5 -- my experience with several Lending Tree lenders is a 0. I specifically requested a home equity line of credit on a 2nd home and several lenders hounded me about applying for a loan. When I said I did not want a loan -- they treated me like I was an idiot and did not know what I wanted.
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ando suvari
23 days ago
It was quick and seemless
It was quick and seemless. Start to finish in less than a week.
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b edralin
24 days ago
Best rate possible on the market!
We got the best rate possible on the market. We could email or call if we had any questions. On closing, we were able to wire funds for accessing them before we get our card and check books.
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david ramsay
24 days ago
Great Company!
Very easy to apply! The entire process took very little time. I would highly recommend Lending Tree!
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scott barker
25 days ago
Prompt
Prompt, flawless & straightforward. Wholeheartedly recommend!!!
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richard touma
a month ago
Hassle free and fast service
It was easy and quick. Staff were very helpful and friendly.
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lisa
a month ago
My customer rep was very kind and…
My customer rep was very kind and help,she cared about my situation and offered options.
J
joe
a month ago
Applying for a loan was fast and…
Applying for a loan was fast and simple. The website was easy to use and navigate. I repaid early with no penalty. I would definitely use lending club again.
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zack g
a month ago
Looking for Contact Information to Sell
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 am now getting spammed by car dealerships since Lending Tree took my phone number. I think that instead of striving to provide competitive rates, Lending Tree is collecting contact information to sell as leads. I'm writing this since I'm hopeful people like me in the future will not be taken advantage of.
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moha xariir
a month ago
Moha xariir
I help me i am man singal poor i am somali
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reginald
a month ago
Borrowing was simple and the process…
Borrowing was simple and the process was even more simple.
M
michael
a month ago
So easy...So fast.
Everything was fast and easy...in less than a week I had cash in hand and had consolidated a large amount of min payments into a one payment half of what I was paying monthly. Was great experience with absolutely zero phone calls and solicitation.
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patricia perry
a month ago
No stress applying for the loan
No stress applying for the loan. Quick and easy
A
alisha
a month ago
This process was so fast
This process was so fast and painless. I needed to consolidate some debt to lower payments and had the money in less than 24 hours. So helpful.
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fred douville
a month ago
I am so very unhappy!
I will never attempt to use or recommend Lendingtree. After simply looking to see if I qualify for vehicle refinancing this morning, I have been bombarded with dozens of calls, texts and emails and they are not letting up. I am very unhappy about this.
M
monica jackson
a month ago
Pay Out
The experience was great,efficient and very quick.Came through for me at a time of need.Thank you so much!
R
raymond phillips
a month ago
Lending Tree is awesome!
Lending Tree’s process helped me get several competitive loan offers and fulfill a lifelong dream of owning a boat! Thanks Lending Tree
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lisa green
a month ago
I got contacted by this company
I got contacted by this company. The man on the phone said we can get you a personal loan no matter what your credit rating is. He stated good or bad we Guarantee we can help. So I wrote down the information and went online to see what I could do. Yeah I dont have perfect credit but this company Lending Tree did nothing. All they told me was if your credit isn't above 650 wont help you at all. but sent me a debt consolidation website. FRAUD. Dont say you can help ANYONE NO MATTER GOOD or BAD CREDIT if you CAN'T.
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tarek m. daouk
a month ago
Great mobile experience!
Used it for my mortgage, great mobile experience and strong integration tools.
L
lynn meredith
a month ago
Dealing with Third Federal S & L was…
Dealing with Third Federal S & L was the most pleasurable experience I have ever had dealing with anyone for a loan. It was quick easy and everyone we dealt with was very knowledgable and pleasant.
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suzy summers
a month ago
Great loan
Great loan fast and easy 100% guaranteed.
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anthony deloney
a month ago
Getting ready for a loan
Thank you lender tree 🎄
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leonardo villagomez
a month ago
Gran servicio y las personas muy…
Gran servicio y las personas muy amables 100 % recomendable
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luis rojas
a month ago
wasfast no hasle and friendly…
wasfast no hasle and friendly custumers..
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fred
a month ago
I was actually shocked at the loan
I was actually shocked at the loan and interest rate we got. The experiance was better than I hoped for, It started out O.K. then the nice ladyI was dealing with checked into some things and made it much much better! Really totally shocked. I did not expect to get a loan that was any better then the extreemly high credit card loans that are out there, which I believe most of them are highway robbery!!!! Thank you for a nice surprising experience.
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jacob seitz-sampson
a month ago
Lending tree didn't refer me to the…
Lending tree didn't refer me to the lender I used.
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steve hayes
a month ago
The process is very simple
The process is very simple, but they need a mechanism that once your loan is done that the lenders stop their pursuit. My phone has been blowing up and my email filled with junk mail since my loan was closed.
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billy carroll
a month ago
I was very pleased with the service…Professional loan application
I was very pleased with the service they gave me, quick response on my loan. Loan officer was very helpful all the way through the entire process.