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Credible vs. LendingTree Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Overview drop-down-btn

Personal Loans

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Car Loans

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Mortgages

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Student Loans

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Debt Relief

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Personal Loans

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Car Loans

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Business Loans

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Mortgages

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Debt Relief

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Personal Loans drop-down-btn
Good For
Get Personalized Prequalified Rates
Good For
Quick & Easy Online Process
Min Credit Score
550
Min Credit Score
550
APR

5.20-35.99%

APR

6.99-35.99%

Loan Amount

$600-$100K

Loan Amount

$1K-$50K

Lender Type
  • Marketplace
Lender Type
  • Marketplace
Loan Type
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans
  • Co-singer / Joint loans
Loan Type
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans
Loan Purpose
  • Credit Card Refinance
  • Debt Consolidation
  • Home Improvement
  • Medical Expenses
  • Relocation
  • Vacation
  • Wedding
Loan Purpose
  • Credit Card Refinance
  • Major Purchase
  • Household Expenses
  • Vacation
  • Wedding
  • Other
Repayment terms
1-7 years
Repayment terms
3-12 years
Soft Credit Pull
Yes
Soft Credit Pull
Yes
Pros
  • Great for Comparing Lenders
  • Fast and Easy
  • Secure 256-bit encryption
Pros
  • Pre-qualification won't harm your credit score
  • Great customer service
  • Competitive APR rates from many lenders
Cons
  • cons Fees Vary
  • cons Other Variable Info
  • cons Terms are Limited
Cons
  • cons Some loans may have origination fees
  • cons Terms depend on income and job status
  • cons Marketplace and not an actual lender
Car Loans drop-down-btn
Good For
Get auto loans from top lenders
Good For
Quick & Easy Online Process
APR

4.60-35.99%

APR

4-8.9%

Repayment terms
1-7 Years
Repayment terms
1-7 years
Min Credit Score
580
Min Credit Score
550
Loan Amount

$600-$100K

Loan Amount

$500-$300K

Lender Type
  • Marketplace
Lender Type
  • Marketplace
Prepayment Fee
None
Prepayment Fee
None
Refinance APR

Min 4.60%

Refinance APR

Soft Credit Pull
Yes
Soft Credit Pull
Yes
Pros
  • Simple, streamlined prequalification and application process
  • Live customer support (uncommon among loan marketplaces)
  • Several other loan types are available
Pros
  • Fast funding for auto loans and auto refinance
  • Easy to use platform makes application process simple
  • Competitive interest rates among variety of reputable lenders
Cons
  • cons No official auto purchase or refinancing loans — only personal loans
  • cons Not a direct lender
Cons
  • cons Car must be newer than 10 model years old and have mileage below 120,000 miles to be eligible for refinancing
  • cons Current auto loans must have a minimum of 24 years left on the term and a balance of $5,000 to $55,000
Mortgages drop-down-btn
Good For
One Application, Multiple Lenders
Good For
Pre-Qualify in 3 Minutes
Min Credit Score
620
Min Credit Score
580
APR

7.17-8.22%

APR

6.15-8.34%

Loan Type
  • Mortgage Purchase
  • Mortgage Refinance
  • Fixed
  • Adjustable
  • Home Improvement
  • Home Equity Loan
  • Home Equity Line of Credit
  • FHA
  • USDA
  • Jumbo
Loan Type
  • Mortgage Purchase
  • Mortgage Refinance
  • Home Equity Loan
  • Home Equity Line of Credit
  • FHA
  • VA
Prepayment Fee
Varies by lender
Prepayment Fee
Depends on lender
Origination Fee
Varies by lender
Origination Fee
Depends on lender
Pros
  • Secure and private loan application process
  • Neat layout and easy navigation
  • 3-minute application without hard check
Pros
  • Lenders in the LendingTree network uniquely offer manufactured or mobile home loans and multi-family home loans
  • You can apply for a mortgage through LendingTree as a primary home, secondary home, or rental property
  • Getting several offers with a single application makes it easier to negotiate for the best possible rates
Cons
  • cons Limited options for government backed home loans
  • cons Credible doesn’t operate in several large states
  • cons No face-to-face customer support
  • cons Poor after sale services
Cons
  • cons Customers receive many emails and phone calls from various companies
  • cons Each lender runs a hard credit check, which could reduce credit scores by a few points
Student Loans drop-down-btn
Good For
Honest Source for Personalized Prequalified Rates
Min Credit Score
660
Loan Amount

$5K-$500K

Fixed Rate
5.24-10.99%
Variable Rate
5.28-12.44%
Funding Time
20 days
Loan Type
  • Private student loans
  • Student loan refinance
Soft Credit Pull
Yes
Pros
  • Can refinance Parent PLUS loans
  • Quickly compare multiple lending partners on a single platform
  • Get your rate and find out if you qualify with a soft credit pull
  • Some lending partners will refinance student loans without a degree
Cons
  • cons Same interest rate as going directly through lender
  • cons Those with high debt-to-income ratios may find it challenging to find a lender
Not provided

Service isn't provided

Debt Relief drop-down-btn
Good For
Perfect solution for debt under $10,000
Good For
Minimum debt: $1,000
Minimum Debt Amount

$600

Minimum Debt Amount

$1K

Min Credit Score
Min Credit Score
Depends on lender
Free Consultation
Yes
Free Consultation
Yes
Soft Credit Pull
N/A
Soft Credit Pull
Yes
Pros
  • Great for Comparing Lenders
  • Fast and Easy
  • Secure 256-bit encryption
Pros
  • Largest network of lenders in the US
  • Financial wellness services
  • Connect w/ lenders after soft credit pull
Cons
  • cons Fees Vary
  • cons Other Variable Info
  • cons Terms are Limited
Cons
  • cons Final decision only after hard pull
  • cons Lenders may charge origination fees
  • cons APRs start at 10.49%
Business Loans drop-down-btn
Good For
A Leading Financial Marketplace
Age of Business

12+ Months

Min Credit Score
500
Loan Amount

$3K-$10M

APR

Min 3.49%

Monthly Revenue
$8K
Repayment terms
Varies
Soft Credit Pull
Yes
Pros
  • Eligibility requirements may be lower, depending on the lender
  • Various types of business loans, including some for startups
  • Prequalification available
  • Secure online application process
Cons
  • cons Not very transparent with loan terms and rates until after applying
  • cons Some lenders charge additional fees (ex. origination fees)
  • cons Applicants may receive unsolicited offers
Loan Type
  • SBA Loans
  • Business Line of Credit
  • Business Term Loan
  • Working Capital Loans
  • Invoice Financing
  • Invoice Factoring
  • Equipment Financing
  • Term loans
  • Short-Term Business Loan
  • Merchant Cash Advances
  • Startup Loans
Not provided

Service isn't provided

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