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BestMoney.com
LendingTree Review
Reviews 12,469
LendingTree
Visit Site
LendingTree
LendingTree
Excellent
Reviews 12,469
Bestmoney Staff
Apr. 29, 2021
2 min read
BestMoney Staff
LendingTree summary
LendingTree is quite possibly the world’s largest online loans marketplace. It helps connect users with offers for a wide range of loans and refinancing, including student loan refinancing. Thanks to LendingTree, users can compare several trusted lenders in one place and choose the one that is right for them.
Pros
  • Compare and apply to multiple lenders in one place
  • Understand each lender’s minimum requirements and selling points
  • LendingTree has 20+ years’ experience as a loans marketplace
Cons
  • Not a direct lender
  • Lenders have fairly high minimum credit requirements

LendingTree at a glance

4.2
Editorial score

Online experience

Has learning resources, access to rates, mobile app
5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours
4.0

Repayment flexibility

Offers multiple repayment plans- but no special repayment programs
4.0

Loan Types Covered

Covers most student loan types
4.0

Eligibility

Doesn't cover bad credit, low income borrowers
4.0

LendingTree LendingTree View Rates

Suitable For?

If you have one or more student loans and are still years away from paying them off, LendingTree is a good place to start. LendingTree enables anyone to do in a couple of minutes what it can take most people hours to do on their own: compare student loan refinance providers according to rates, terms, minimum credit score, and other factors.

Loan Features

Firstly, it’s important we emphasize that LendingTree is not a direct lender. Rather it is a marketplace that lets users compare lenders. 

Here are the highlights of LendingTree’s student loan refinance comparison tool:

  • Features 9 trusted nationwide lenders that have been vetted and approved to join LendingTree’s network.

  • APRs, terms, loan amounts, and minimum credit score are clearly displayed, making it easy to compare lenders.

  • Each lender has a “View Details” button that lets you see more information about the lender, such as features and minimum requirements.

  • “Apply Now” button next to each lender to apply for a student loan refinance directly on that lender’s website.

  • Free educational tools and resources, including a student loan refinance calculator to help you calculate monthly payments and total interest paid.

The Application Process

When it comes to most types of loans, such as mortgages, personal loans or business loans, LendingTree makes visitors to its website fill out a short online form to see rates. But when it comes to student loan refinance, LendingTree doesn’t require anything at all. Anyone can just log in to LendingTree’s student loan refinance page and see a comparison of trusted lenders. If you see a lender you like on the list, simply click “Apply Now” to be taken to that lender’s website where you can complete an application.

Each lender sets its own requirements. Here are some of the things LendingTree’s partners expect of student loan refinance applicants:

  • US citizen or permanent resident

  • At least 18 years old

  • Live in one of the 50 US states or the District of Columbia

  • Minimum credit requirements vary from 660+ to 680+ across the various lenders

  • Debt-to-income ratio that demonstrates an ability to repay the loan

  • Bachelor’s degree or higher from one of the lender’s approved post-secondary institutions

  • Holder of private or federal student loan(s) that are not delinquent or in default

  • History of paying current student loans on time.

  • Able to provide a loan statement for each loan that is up for refinance

Loan Terms

LendingTree currently works with 9 lenders in the student loan refinance space. Each lender sets its own requirements. The following are the main features you can expect to find across LendingTree’s partnering lenders:

  • Completely online application process

  • Combine all your existing student loans into 1 monthly payment

  • Can be used on private, federal, undergrad, graduate school, or Parent PLUS student loans

  • Minimum loan amounts range from $5,000 to $10,000 across the various lenders

  • Maximum loan amounts range from $120,000 with one lender to no max with several lenders

  • No application or origination fees

  • No prepayment penalties

  • 0.25%-0.50% rate discounts when using autopay to make monthly payments

  • Deferment, postponement, or forbearance options available for when you can’t make payments due to unemployment or other reasons

  • Some of the lenders offer referral programs with rewards for every customer you refer

  • One of the lenders promises that for every loan it funds, it will also fund the education of someone in need

  • Some of the lenders have a cosigner option

Repayment Terms

Most of the lenders in LendingTree’s network offer a choice of fixed or variable rates. The absolute minimum APR shown for a fixed-rate student loan refinance is 3.39%. For variable rates, the lowest introductory APR is 2.54% and the highest is 11.50%. 

Borrowers can find the following loan terms through the participating lenders: 5, 7, 8, 10, 12, 15, or 20 years.

How Safe Is It? 

LendingTree’s platform is perfectly safe to use. It costs nothing to use LendingTree to find a student loan refinance provider and you won’t be asked to provide personal details at any stage. Of course, if you select a lender from LendingTree’s list, you will be required to give the lender sensitive information in order to apply for a refinance. As you’d expect, LendingTree conducts thorough vetting of all the lenders it works with.

Help & Support

LendingTree is a mainly online service. However, it does offer customer service, as well as useful FAQs, tools, and resources, to help you understand the right way to refinance your student loans.

Phone: During extended business hours Monday to Friday and extended hours on Saturday.

Email: Direct contact form on LendingTree’s website.

Summary

If you have multiple student loans you’d like to refinance, LendingTree is a good place to begin. LendingTree’s online loans platform lets you easily compare student loan refinancing providers in the business. If you find a lender you like, just click the “Apply Now” button next to complete your application and get yourself closer to freeing yourself of your student debt.

Physical Address

LendingTree, LLC

11115 Rushmore Dr.

Charlotte, NC 28277

LendingTree LendingTree View Rates

BestMoney Staff
Written by
Bestmoney Staff
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
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Trustpilot reviews
See what some costumers are saying about LendingTree
LendingTree
Excellent
Reviews 12,469
on
Excellent
81%
Great
10%
Average
2%
Poor
1%
Bad
6%
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patti jones
11 hours 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.
J
jill
18 hours 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. ☺
M
mrs.j
21 hours 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.
D
dawn cornell
2 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.
S
sarah fina mardy
2 days ago
The process was easy
The process was easy, I’m very satisfied with everything.
G
gay ann talley
2 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.
L
lisa
3 days ago
Fast response and easy application…
Fast response and easy application process
A
antwuanitius harris
3 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
4 days ago
Easy process
Easy process, friendly people to work with!
A
albert agyemang
6 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
7 days ago
Wasn’t any help in
Wasn’t any help in
D
dena flowers
7 days ago
Fast service.
Fast service.
P
peter fitzpatrick
7 days ago
Very Quick and secure
Very Quick and secure
R
roberto concepcion
7 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
7 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
8 days ago
A piece of cake.
The easiest thing I have ever done, EVER!
Z
zehneniah wallace
8 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
8 days ago
Quick and easy can't believe how it was.
Quick and easy can't believe how it was.
G
gerri sims
9 days ago
Easy and helpful!
Easy and helpful!
J
james vanlandingham
9 days ago
Answered all my questions and explained…
Answered all my questions and explained all the payment options
E
earnestine cooper
9 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
10 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!
C
charlotte sweeney
10 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
10 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
10 days ago
Thank you all for working so hard for me
Thank you all for working so hard for me
M
miguel guzman
10 days ago
Todo fue muy facil
Todo fue muy facil
C
cheri thomas-conyers
11 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
11 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
12 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 !
T
terri hasse
13 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.
D
dale barclay
13 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.
P
patricia lovelace
13 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!
C
carlos g de ferrari
13 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
J
john didelis
13 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
13 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
14 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!!!
S
sherry choice mcgilvery
14 days ago
Loan for Sherry McGilvery
We are trying to find a reputable company to get a loan from
R
raynia eller
14 days ago
Everyone was nice
Everyone was nice
P
pd
14 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
14 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
14 days ago
I did not close a loan with Lending…
I did not close a loan with Lending Tree company.
T
timothy robinson
14 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
15 days ago
Excelent customer service very good
Excelent customer service very good
M
mercedes mungia
15 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
16 days ago
AWESOME
Everything went great. Rick Reyes handled everything absolutely amazing. I am really happy with my experience.
Y
yvonne nieves
16 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
2 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
16 days ago
Son unos mentirosos nomás buscan…
Son unos mentirosos nomás buscan información
N
nilesh wadhwani
17 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
D
dawn mcm
17 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!
S
sondra hurley-ominde
17 days ago
Trust worthy lending experience
Trust worthy lending experience
K
kelly dwyer
18 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.
18 days ago
Good experience.
Good experience.
M
melody g
19 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.
C
carolyn
19 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
T
thomas tozier
20 days ago
Easy to apply
Easy to apply
D
david true
20 days ago
Quick and easy.
Quick and easy.. I called a few times for assistance because of my anxiety and they helpful and understanding.
R
richard r.
20 days ago
They have a lot of offers for you
LendingTree work with you they are there to get you trough what you need ,
W
wanda
21 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
J
jack throckmorton
21 days ago
Reliability
Reliability
C
consumer name
21 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
21 days ago
You guys were quick and the process was…
You guys were quick and the process was super easy.
C
charlene rowe
21 days ago
Everything went smoothly and quick.
Everything went smoothly and quick.
c
customer
21 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
22 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
22 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
22 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
22 days ago
It was quick and seemless
It was quick and seemless. Start to finish in less than a week.
B
b edralin
23 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.
D
david ramsay
23 days ago
Great Company!
Very easy to apply! The entire process took very little time. I would highly recommend Lending Tree!
S
scott barker
24 days ago
Prompt
Prompt, flawless & straightforward. Wholeheartedly recommend!!!
R
richard touma
25 days ago
Hassle free and fast service
It was easy and quick. Staff were very helpful and friendly.
L
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.
Z
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
R
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.
F
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.
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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.
S
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 🎄
L
leonardo villagomez
a month ago
Gran servicio y las personas muy…
Gran servicio y las personas muy amables 100 % recomendable
l
luis rojas
a month ago
wasfast no hasle and friendly…
wasfast no hasle and friendly custumers..
F
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.
J
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.
S
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.
B
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.
C
customer
a month ago
Hooray
There was more paperwork that I didn’t expect to have to sign/send, but I do understand that these companies need to do that dependent on the prospective lendee to protect their investments. Overall, I’m content with the lender and appreciate their approving me. I’m trying very hard to get a product in the market, and the loan will help with my credit cards etc.
C
catherine sanchez
a month ago
Experience
Very easy to apply & get an answer immediately! I highly recommend not my first time !
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robert debella
a month ago
Good luck
Was a great experience and would love for you guys to be able to help
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phyllis taliaferro
a month ago
No advice that I would pay $28,000 plus…
No advice that I would pay $28,000 plus for the loan prior to me signing. I was advised of $1,800 plus prior to signing. No advise that there would be automatic deductions from my bank account. The loan person lied to me. I feel decieved. NO I WOULD NOT RECOMMEND THIS COMPANY TO ANYONE. I AM ASHAMED OF BEING DECIEVED.
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ann kensy
a month ago
The process was so simple and received…
The process was so simple and received responses quick.
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kat m
a month ago
TOOK MY BANK INFORMATION FOR NO REASON
Nothing against Trustpilot, but many of these five-star reviews have nothing to do with LendingTree. People who actually are approved for loans thru LT get the money from other companies, the lenders. LendingTree is NOT A LENDER. They are a broker that sells your information to companies that actually do lend the money. Some people also give 5-star ratings but then list negative comments, which is obviously an error. My story - I applied on Lending Tree because there was a link on the Experian website stating I was pre-approved for a personal loan for a decent APR and monthly payment. I wasn’t. AFTER I gave them all of my information, including linking my bank accounts to their site which they REQUIRED, they emailed me hours later to say they couldn’t find any lenders to approve me because of my credit history. Fine. They had pulled a "bait and switch" on me and the interest rate they quoted at the end was 10 points HIGHER than when I started the application. They trick you to get you to apply so they can then sell your information to lenders. I have seen Lending Tree claim they do not ask for banking info because they themselves are not a lender but they required me to literally LINK my bank accounts to them, leading me to believe I was approved for a loan. Now I have to close my bank accounts - both savings and checking - and go through the outrageous hassle of changing my payment information for every utility, every streaming service and every credit card!!! I’m so angry I could spit! No one who is not loaning you money should be asking for bank account information!! These people are shady AF! Don’t use LendingTree. They are dishonest!!