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16,258 Reviews

LendingTree Review

Roger Wohlner
Roger Wohlner is a financial writer at BestMoney.com, specializing in debt consolidation. Drawing on his background as a financial advisor, Roger provides authoritative insights that have appeared in TheStreet, Investopedia, U.S. News & World Report, Yahoo! Finance, and The Motley Fool, among others.

November 13, 2025

2 min

lendingtree

LendingTree Summary

LendingTree is an online marketplace for loans, connecting borrowers with a wide array of lenders with whom they partner. Their reach in the marketplace offers prospective borrowers a wide range of debt consolidation loan options from which to choose. LendingTree has a solid and well-deserved reputation based on their service offerings and their wide-ranging number of lenders that can be accessed by those using the site.

LendingTree Pros & Cons

Pros

Access to a wide range of lenders.
A solid reputation in the industry.

Cons

Many of LendingTree's partners require higher credit scores.
LendingTree is not involved once you obtain the loan.
lendingtree

LendingTree at a glance

8.8
Editorial score

Online experience

Has learning resources, access to rates, mobile app
10.0

Customer services and support

Multiple ways of reaching lender, wide range of hours
8.0

Geographical availability

50 states
10.0

Types of debt covered

Covers most loan types
8.0

Repayment flexibility

Offers multiple repayment plans- but no personalization
8.0

Keep reading to learn more about what LendingTree has to offer for those needing debt consolidation loan options.

Why Go with LendingTree

LendingTree offers access to a wide range of lenders and provides a wealth of information to help borrowers evaluate those lenders. The site offers a great deal of research that can be useful to borrowers who may not be fully educated about their debt consolidation loan options. They offer a chat option to guide you through the initial inquiry stage as well.

LendingTree offers an extensive resource center, reviews on a number of the lenders they work with, and several calculators that prospective borrowers can use.

The interest rates and terms offered by their partner lenders are the same ones offered by these lenders if a borrower went directly to them.

Additionally, LendingTree has been in business for over 20 years, so you know they are not a fly by night company.

What’s Offered

LendingTree partners with lenders who offer three main types of debt consolidation loan products:

  • Debt consolidation loan. This is a personal loan that allows the borrower to consolidate different debt types into a single loan with a single monthly payment.
  • Balance transfer credit card. This allows you to consolidate high-interest credit card debt onto one lower APR credit card.
  • Home equity loans allow borrowers to use the equity in their home to consolidate various debt types into a single loan.

Highlights

LendingTree is one of America’s largest online marketplace for various types of loans, including debt consolidation loans. LendingTree offers a comprehensive range of services within their service areas. The number of lenders and offerings that can be accessed via the site is constantly growing.

  • They offer loan options for those who are looking for conventional financing for a home or auto.
  • They offer debt consolidation loan options for those needing this type of help.
  • LendingTree also offers student loan and business loan options.

LendingTree is a comprehensive website offering a wide range of financing options for a wide range of needs.

Types of Debt Covered

LendingTree offers access to a wide range of loan types, including:

  • Mortgage loans including first mortgages for home purchases and for refinancing.
  • Personal loans
  • Credit cards
  • Business loans
  • Student loans
  • Home equity loans
  • Auto loans
  • Credit cards

Site Security

According to information on the company site, they use “public-key cryptography algorithms with a minimum key size of 128 bits” in all transmissions between the site, banks, lenders and third-parties involved in the process.

They utilize SSL to prevent unwanted third parties from intercepting and using your information; the site claims that only they are able to decode the encryption that is used. Additionally, the site will log you out automatically after a period of time if there is no activity.

Help & Support

LendingTree offers 24-hour access to customer service via their site. They offer extensive hours via email as well. Phone support is available from:

  • 8 a.m. - 9 p.m. Mon-Thurs
  • 8 a.m. - 8 p.m. Friday
  • 10 a.m. - 7 p.m. Saturday

The customer service staff at LendingTree is well-versed across the line of loan products offered through LendingTree's partners and can be a valuable resource as you look at debt consolidation loan options.

Physical Address

LendingTree, LLC

11115 Rushmore Drive,

Charlotte, NC 28277

Contact Details

You can contact LendingTree via the phone, email or chat.

Their customer care phone number is: 888-813-4620.

Top 5 FAQs About Debt Consolidation
Is debt consolidation worth it?
If you carry a large amount of debt across different credit cards or loans, debt consolidation may help you lower your monthly payments and interest rates and may help you pay off your debt sooner.
How does debt consolidation affect your credit?
While initially taking out a debt consolidation loan may show up on your credit report as a new inquiry and may cause your score to temporarily drop, you can raise your credit score by paying your bills on time each month and lowering your total debt.
How do I qualify for a debt consolidation loan?
To qualify for a debt consolidation loan, you’ll need to meet certain criteria, such as a credit score of at least 670, an ability to prove income, and a government-issued ID. You may also need to have a certain debt-to-income ratio or other qualifications. Each lender may have its own criteria to approve loan applications.
What is the best way to consolidate debt?
You can consolidate multiple loans and credit card balances by taking out a debt consolidation loan. You then use the loan to pay off previous balances, leaving you with one single monthly payment and interest rate.
How much does debt consolidation cost?
Each debt consolidation lender may charge loan origination fees and other fees. The interest rate you pay will depend on the lender’s rates, your credit score, and your debt balance.
Roger Wohlner

Roger Wohlner is a financial writer at BestMoney.com, specializing in debt consolidation. Drawing on his background as a financial advisor, Roger provides authoritative insights that have appeared in TheStreet, Investopedia, U.S. News & World Report, Yahoo! Finance, and The Motley Fool, among others.

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Trustpilot reviews
See what some customers are saying about LendingTree
Excellent • reviews 16,258
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Excellent
80%
Great
9%
Average
2%
Poor
1%
Bad
6%
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Ti
Tina
1 day ago
It was easy to compare interest rates
It was easy to compare interest rates, fees and monthly payments all in one place. I was able to make a decision, and close on a loan on the same day, without running credit with multiple lenders.
JM
Jeny Mccleary
1 day ago
Great customer service
Very fast and friendly service. Was approved and paid in no time!
DM
Donna Marzigliano
1 day ago
Everyone was very helpful
Everyone was very helpful
SK
SVETLANA KUPERMAN
2 days ago
Kurtis was the best adviser! Very patient and professional
Good experience
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