Read expert review of LendingTree. Find the Top 10 Personal Loans services for your needs with detailed reviews and comparison



Founded in 1996 with the goal of simplifying the loan process, LendingTree has become the leading online loan marketplace with one of the largest networks of lenders in the US. After filling out a simple and straightforward form, customers can receive multiple loan offers and choose the loan terms that best fits their needs. LendingTree makes it easy for customers to shop for personal loans by connecting consumers with offers from many different lenders within their marketplace.

LendingTree also offers a wide variety of useful resources and tools that help borrowers manage their finances and improve their financial understanding. By offering financial calculators, interactive loan coaching, monthly newsletters, and more, LendingTree empowers consumers of all financial backgrounds.




To qualify for a LendingTree personal loan, borrowers must be at least 18 years old, citizens or permanent residents of the US, own a verifiable bank account, and have a steady income source. There is no minimum credit score, though most lenders prefer a score of 600 or above. A low credit score does not mean you will automatically be disapproved, but it will likely lead to increased interest rates. Additionally, LendingTree will review your debt-to-income ratio which should fall around 36%.

If you are unsure whether you qualify for a LendingTree personal loan, it is still worth filling out your details as LendingTree will be able to filter out irrelevant offers, leaving you with loan terms customized for your situation.



Loan Process

To get started and to discover the potential loan terms available, you simply need to provide basic information such as loan purpose, desired amount, credit rating, employment status, income, address, and whether your rent or own your current home. LendingTree does not ask for sensitive personal details and encrypts all their web pages ensuring your information is kept safe and secure.

Once your form is submitted, LendingTree will distribute the information to eligible matching lenders. After a lender receives a consumer's details, they will contact the borrower by phone or email with detailed loan terms. LendingTree will always offer customers a minimum of five loan options that match the customer's credit score and loan requirements.



Loan Terms

As LendingTree is not a direct lender, the exact loan terms will vary and can depend on a number of factors.

In general, LendingTree's network of lenders offers extremely competitive rates, with APRs starting at just 3.99% up to a maximum of 35.99%. Repayment periods vary depending upon the lender and can range from 3 to 180 months (15 years). Lenders can request a loan amount from $1,000 up to $50,000.

LendingTree offers personal loans for a variety of purposes such as home improvement, car purchase, vacation, wedding, debt consolidation, and more. They also offer separate funding solutions for mortgage loans and business loans.



Customer Support

One of our favorite things about LendingTree is their efficient and friendly customer service. LendingTree customer representatives are conveniently available by phone Monday through Thursday from 8 am to 9 pm EST, Friday 8 am to 8 pm EST, and Saturday from 10 am to 7 pm EST. Customer support is also available via LendingTree's email support system and customers can expect a swift response within one business day.

Aside from their customer service, LendingTree puts a strong emphasis on financial education by offering a comprehensive blog with insightful articles that potential borrowers will find extremely helpful. Finally, the site also contains an easy-to-use FAQ section, further educating customers about the loan process, and ensuring there no surprises along the way.




  • Easily compare loan offers
  • Simple loan process
  • Superb customer service
  • Not a direct lender
LendingTree lets you easily compare personal loan offers from $1,000 up to $50,000.


Visit Site »


Visit Site »

Joe Schwartz

Personal Loans Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.