Auto Loan Refinance review

LendingTree Auto Refinance review

Name: LendingTree Auto Refinance review
Item: LendingTree Auto Refinance
Rating: 8.1
Author: ChoosyOwl

Best for browsing many lenders

Loan marketplace, not a lender, that lists auto refinance offers from many lenders. Borrowers who want to browse many lenders' published ranges before choosing where to apply. We rank it #6 of 8 in our auto loan refinance comparison, with an editorial score of 8.1 out of 10.

Updated November 14, 2026By the ChoosyOwl editorial teamHow we rank

8.1/10

Our editorial score

LendingTree scores well on Lender access & flexibility because it lists auto refinance offers from many lenders with their starting APRs, terms and amounts. It scores lower on Credit check transparency because its refinance page does not say whether its own comparison uses a soft or hard inquiry, and on Borrower support because it is a marketplace, not a lender. It discloses that lender compensation can affect how listings appear.

How we score auto loan refinance

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Auto lending disclosure.

We are not a lender and do not make credit decisions. We do not broker loans or arrange credit on your behalf. Several of the companies we review are not lenders either; they pass your application to partner lenders. Rates, APRs, fees and terms are set by the lender and depend on your credit profile, income, vehicle, loan amount, term and state. Not all products are available in all states.

Some companies check your credit with a soft inquiry to show estimated offers, which does not affect your credit score. Submitting a full application, or in some cases simply requesting quotes, can trigger a hard credit inquiry, which may affect your score. Check each company's site to see which type of check it uses before you share your details. Approval is never guaranteed.

A longer loan term can lower your monthly payment but usually means paying more interest over the life of the loan. Refinancing can also involve title, registration or documentation fees, and optional add-ons such as GAP or service contracts increase the amount you finance. Your car secures the loan: if you do not repay, the lender can repossess the vehicle.

Quick facts

Our rank#6 of 8

Best forBest for browsing many lenders

Company typeMarketplace (not a lender)

Credit check to see offersNot stated for its form; lenders run hard pulls when you apply

Published termsSet by each lender

Facts checkedNovember 14, 2026

Details are general and can change. Check current plans, prices and terms on the LendingTree Auto Refinance site. See the LendingTree Auto Refinance company profile in our brand directory.

Overview

LendingTree is an online loan marketplace; its own site says it is not a lender. On its auto refinance page, you fill out a short form, receive offers from lenders in its network and compare them before choosing one. The page also lists individual lenders with their own starting APRs, terms and loan amounts.

The refinance page does not say whether comparing offers through LendingTree uses a soft or hard inquiry. It does say that applying for a refinance loan can cause a short-term drop in your credit score because of the hard credit pull. Some individual lenders listed there say you can check rates with no impact to your credit.

LendingTree discloses that it is compensated by the companies whose listings appear on its site and that this can affect the order and which listings are featured. Compare offers on APR, fees and term, not position on the page.

Pros and cons

Pros

Broad view of the market in one place
Easy to see each lender's published ranges
Also covers purchase loans and other credit

Cons

Not a lender, so terms come from the lender you choose
Credit check type for its own form not stated on the refinance page
Listings are influenced by lender compensation

Key features

Compare offers from many lenders with one form
Lender listings with starting APRs, terms and amounts
Refinance calculator
Discloses how lender compensation affects listings

Who LendingTree Auto Refinance is for

A good fit if

Borrowers who want to browse many lenders' published ranges before choosing where to apply.

Look elsewhere if

Anyone who wants to avoid marketing follow-ups or prefers to deal with one company.

How we scored LendingTree Auto Refinance

Our auto loan refinance score weighs credit check transparency (25%), cost & fee transparency (25%), lender access & flexibility (20%), eligibility clarity (15%), borrower support (15%). See the methodology.

LendingTree Auto Refinance alternatives

#1
RateGenius
Best overall
Refinance platform with a large lender network and a clear explanation of soft and hard credit checks.
- Network of more than 150 lenders, per its site
- Soft inquiry to prequalify; hard inquiry when you apply
- Apply online or by phone
- Title and paperwork guidance
9.1/10
Editorial score
Visit site (RateGenius, opens in a new tab) Read review Compare
#2
RefiJet
Best for published requirements
Consultant-led refinance service that publishes its rate, term and eligibility ranges up front.
- Published APR, term, amount, credit score and income ranges
- Terms up to 96 months
- No fee to apply, per its site
- Possible payment deferral of up to three months
8.9/10
Editorial score
Visit site (RefiJet, opens in a new tab) Read review Compare
#3
Auto Approve
Best for flexible terms
Refinance service with soft-pull quotes, long term options and a deferred first payment for some borrowers.
- Soft inquiry to quote; hard inquiry only if you move forward
- Quote without a Social Security number, per its site
- Terms typically 12 to 96 months
- Refinances cars, trucks, SUVs, motorcycles and RVs
8.7/10
Editorial score
Visit site (Auto Approve, opens in a new tab) Read review Compare

Head-to-head

myAutoloan vs LendingTree Auto Refinance

See all 8 auto refinance companies compared

LendingTree Auto Refinance FAQ

Is LendingTree a lender for auto refinancing?

No. LendingTree's site says it is not a lender. It shows offers from lenders in its network, and the lender you choose sets the terms and makes the credit decision.

Does LendingTree auto refinance hurt my credit?

Its refinance page says applying for a refinance loan can cause a short-term drop in your score because of the hard credit pull. Some listed lenders say checking rates has no credit impact. Check each step before you submit.

Why do some lenders appear first on LendingTree?

LendingTree discloses that it is compensated by companies whose listings appear on its site and that this can affect the order and which listings are featured.

Sources and fact check

We checked the facts on this page against LendingTree Auto Refinance's own website on November 14, 2026.