Personal Loans review

LendingTree review

Name: LendingTree review
Item: LendingTree
Rating: 7.9
Author: ChoosyOwl

Best for broad lender comparison

Loan marketplace, not a lender, that compares personal loan offers from many lenders with one form. Borrowers who want to see offers from a large number of lenders before choosing where to apply. We rank it #10 of 10 in our personal loans comparison, with an editorial score of 7.9 out of 10.

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

7.9/10

Our editorial score

LendingTree scores well on Rate-check experience because one form can show offers from many lenders, and its site says there is no impact on your credit to estimate your payment. It scores lower on Customer protection & hardship options because it is a marketplace, not a lender, so support after funding depends on the lender you choose, and on Cost transparency because its listings are shaped by compensation from lenders, which it discloses.

How we score personal loans

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Lending disclosure.

We are not a lender and do not make credit decisions. We do not broker loans or arrange credit on your behalf. Rates, APRs, fees and terms are set by each lender and depend on your credit profile, income, loan amount, loan term and state of residence. Not all products are available in all states.

Checking your rate usually uses a soft credit inquiry that does not affect your credit score. Submitting a full application typically triggers a hard credit inquiry, which may affect your credit score. Approval is never guaranteed, and the rate you are offered may differ from any rate a lender advertises.

Representative example: Happen Bank (formerly LendingClub) shows this example on its site (https://www.happen.com/personal-loan): a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower receives $14,346 and makes 36 monthly payments of $522. This example is as published on Happen Bank's site in November 2026; rates change, check your rate on the lender's site. It is an illustration from one lender, not an offer, and your own terms will differ.

Borrow only what you can repay. Missing payments can lead to late fees, collection activity and damage to your credit.

Quick facts

Our rank#10 of 10

Best forBest for broad lender comparison

Lender typeMarketplace (not a lender)

Soft-pull rate checkYes, compare offers without a credit impact (per its site)

Facts checkedNovember 14, 2026

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

Overview

LendingTree is an online loan marketplace. Its own site says it is not a lender. You answer a few questions, and LendingTree shows offers from lenders in its network so you can compare them. Its personal loan pages say there is no impact on your credit to estimate your payment, and that a full credit check happens when you accept and fund a loan with a lender.

LendingTree discloses that it is compensated by the companies whose listings appear on its site and that this can affect how and where listings appear. Treat it as a way to see many offers quickly, then compare the APR, fees and terms on each lender's own offer.

If you continue with a lender, that lender sets the rate and terms, makes the credit decision and services the loan. LendingTree also compares mortgages, auto loans, credit cards and insurance.

Pros and cons

Pros

Wide lender network in one place
Quick way to see a range of offers
Discloses how lender compensation affects listings

Cons

Not a lender, so final terms come from the lender you choose
Listings are influenced by lender compensation
You may get follow-up marketing from LendingTree or lenders

Key features

One form to compare offers from many lenders
Estimate payments without a credit impact, per its site
Also compares mortgages, auto loans and credit cards
Free credit score tools with a LendingTree account (check current features)

Who LendingTree is for

A good fit if

Borrowers who want to see offers from a large number of lenders before choosing where to apply.

Look elsewhere if

Anyone who prefers to deal directly with one lender and avoid marketing follow-ups.

How we scored LendingTree

Our personal loans score weighs cost transparency (25%), rate-check experience (25%), borrower flexibility (20%), customer protection & hardship options (20%), eligibility clarity (10%). See the methodology.

LendingTree alternatives

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PenFed Credit Union
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#3
Upgrade
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Online lender with a soft-pull rate check and direct payment to creditors for debt consolidation.
- Soft-pull rate check before you apply
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See all 10 personal loan options compared

LendingTree FAQ

Is LendingTree a lender?

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 comparing loans on LendingTree hurt my credit?

LendingTree's personal loan pages say there is no impact on your credit to estimate your payment. A full credit check happens later, when you accept and fund a loan with a lender.

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. Compare offers on APR and fees, not position.

Sources and fact check

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