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LendingTree Reviews

8.5

bestfor-icon Connecting people with the most reputable lenders

angelawatson
Written by Angela Mae

About LendingTree | Read More

8

LS Score

10

Credibility

6

Support

10

Accessibility

Visit Site
Opening Hours Opening Hours drop-down-btn
Mon-Thur 8am-9pm EST
Fri 8am-8pm EST
Sat 10am-7pm EST
Contact Information Contact Information drop-down-btn
  • customercare@lendingtree.com
  • Headquarters: LendingTree, LLC 1415 Vantage Park Drive Suite 700 Charlotte, NC 28203
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LendingTree Personal Loans Review

LendingTree is an online marketplace that partners with multiple lenders offering personal loans. These loans can be used for nearly any purpose, from debt consolidation to funding a significant purchase.

The initial application process is straightforward and lets you compare different lenders without affecting your credit. However, every lender has its specific requirements and terms. The loan offer you receive depends on various factors, including employment status, credit score, income, and debt-to-income ratio.

LendingTree Personal Loans Highlight

550

Min Credit Score

6.99-35.99%

APR. Fixed Rate

6.99-35.99%

APR. Variable Rate

$1K-$50K

Loan Amount

3-12 years

Repayment terms

Yes

Soft Credit Pull

Marketplace

Lender Type

Yes

Other Fees

Varies

Origination Fee

Varies

Prepayment Fee

1-10 days

Funding Time

Pros & Cons

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  • con-icon Pre-qualification won't harm your credit score
  • con-icon Great customer service
  • con-icon Competitive APR rates from many lenders
  • con-icon Some loans may have origination fees
  • con-icon Terms depend on income and job status
  • con-icon Marketplace and not an actual lender

Loan Purpose

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  • Credit Card Refinance
  • Major Purchase
  • Household Expenses
  • Vacation
  • Wedding
  • Other

Loan Type

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  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans

LendingTree Personal Loans Terms & Requirements

Since LendingTree is a marketplace, things like APR and term length vary across lenders. The amounts also range widely based on the lender and the applicant’s credit and financial profile.

For the most part, LendingTree’s network of lenders require the borrower to be or have:

  • 18 years or older
  • US citizen
  • Good credit or apply with a co-signer
  • Have no recent or active bankruptcies or delinquencies on their credit report
  • Be currently employed with verifiable income

As with most lenders and marketplaces, the better your credit score and the lower your debt-to-income ratio, the better your options.

How to Apply Lendingtree Personal Loans

The process for applying for a loan through LendingTree is simple. It only takes a few minutes to prequalify. Once you do, you’ll be matched with the best lenders based on the information you’ve provided.

During the online process, you’ll be asked how much you’d like to borrow. From there, fill in the form with information such as:

  • Full name
  • Address
  • Phone number
  • Email address
  • Residence type (rent or own)
  • Date of birth
  • Credit score (or an estimated range)
  • Current employment status
  • Current income
  • Whether you’re applying with a co-signer
  • Last 4 digits of your Social Security Number

Applying with a co-borrower isn’t required, but it can increase your approval odds, especially if your credit score or income aren’t very high. A co-borrower could get you better interest rates and terms depending on their credit profile.

The pre-qualification process doesn’t affect your credit score, but it may show up as a soft inquiry. Once you choose a loan offer and apply for it, that specific lender will run a hard credit check.

After submitting the pre-qualification form, you’ll receive a list of potential offers from LendingTree’s network. These offers will include the loan amount, estimated monthly payment, loan term (in years), and customer ratings. If you want to limit the number of offers, simply use LendingTree’s filter. This tool can be especially useful if you’re looking for a specific APR or loan term.

Qualification Requirements

LendingTree’s qualification requirements for taking out a personal loan depend on the lender. Some lenders have more lax requirements, while others are stricter.

 

Credit score & credit history 550+ credit score
Income Varies
Job status Varies
Citizenship/residency U.S. citizenship or resident
Age 18
Debt-to-income ratio 35% or lower recommended
Co-signer Not required, but recommended to improve odds of qualification
Bank account Yes, since most lenders deposit funds directly into a valid checking account.
Required documents

Loan application

Proof of address

Personal identification

SSN

Proof of income

Bank account information

Required Information

To begin the initial application process for a personal loan, navigate to LendingTree’s main page. From there, click “Personal Loans” at the top. Then, select “Compare Rates.” You’ll then be asked a series of questions related to the loan amount, loan purpose, your identity, contact information, and income situation. Information you may need includes your SSN, email and phone number, and estimated credit score.

Application Steps & Time Frames

  • The prequalification process is easy to complete and takes less than 5 minutes. Once completed, you’ll be able to start comparing lenders and offers.
  • The time it takes to receive funding varies by lender. In most cases, funds are disbursed within 1 to 10 business days.

State Availability

- Available in all states

LendingTree Debt Relief Review

As an online marketplace, LendingTree can match individuals with potential lenders to help them get a better handle on their debt. Among other things, LendingTree helps with debt relief and debt consolidation.

LendingTree Debt Relief Highlight

Depends on lender

Min Credit Score

$1K

Minimum Debt Amount

$1K-$50K

Loan Amount

10.49-24.19%

APR. Fixed Rate

Depends on lender

Repayment terms

Yes

Soft Credit Pull

Marketplace

Lender Type

Yes

Other Fees

Depends on lender

Origination Fee

Depends on lender

Prepayment Fee

Pros & Cons

drop-down-btn
  • con-icon Largest network of lenders in the US
  • con-icon Financial wellness services
  • con-icon Connect w/ lenders after soft credit pull
  • con-icon Final decision only after hard pull
  • con-icon Lenders may charge origination fees
  • con-icon APRs start at 10.49%

Debt Relief Product Types

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  • Debt relief consultation service
  • Debt consolidation loans

LendingTree Debt Relief Terms & Requirements

Through its partner lenders, LendingTree offers different debt relief options. This includes debt consolidation loans, home equity loans (can be used to consolidate debt), and balance transfer cards.

The marketplace itself doesn’t charge any fees. However, individual lenders may have their own requirements, terms, and potential fees to consider. For the most part, applicants will need to be at least 18 years old and a US citizen or permanent resident.

How to Apply

To get started with debt relief, fill out a short online questionnaire on LendingTree’s main site. Indicate what type of loan you’re looking for and how you intend to use the funds. You’ll also need to provide some personal information, including your full name, address, and birthdate. LendingTree uses this information to conduct a soft credit pull (doesn’t hurt your credit) and match you with prospective lenders. The entire prequalification process only takes a few minutes or so.

Once you’ve chosen a lender, complete their application process. Typically, lenders will require more information regarding the loan you need, your income, identity, and credit history. After applying, expect to see a hard credit inquiry into your credit. If approved for financing, you may receive funds within 24 hours.

Qualification Requirements

  • Owe at least $1,000 in debt (depending on state and lender)
  • Be 18 years of age or older
  • Be a US citizen or permanent resident
  • Meet the lender’s credit, debt-to-income ratio, and income requirements

Required Information

The prequalification process requires certain documents and information, including proof of identity (ex. SSN, full name), credit score, and amount of debt.

Application Steps & Time Frames

  • The initial application is quick and only takes a few minutes to complete. Most lenders’ applications don’t take long to finish either.
  • The time to funding can be in as few as 24 hours, which is relatively fast in the industry.

State Availability

- Available in all states

LendingTree Mortgages Review

As an online platform, LendingTree helps connect borrowers with the right lender for their home loan needs. Since this is a network, most lenders offer competitive prices to try to get your business.

The process starts with a simple application that lets you compare multiple offers from different companies. Mortgage loans include 30-year fixed, 15-year fixed, and 30-year 5/1 ARM.

LendingTree Mortgages Highlight

580

Min Credit Score

6.15-8.34%

APR. Fixed Rate

$510K-$2M

Mortgage Amount

Depends on lender

Repayment terms

Yes

Soft Credit Pull

Marketplace

Lender Type

Depends on lender

Underwriting Fee

Yes

Other Fees

Depends on lender

Origination Fee

Depends on lender

Prepayment Fee

1136

NMLS

Mortgage Refinance

Min 9.38%

APR. Fixed Rate

Home Equity

Min 5.13%

APR. Fixed Rate

Pros & Cons

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  • con-icon Lenders in the LendingTree network uniquely offer manufactured or mobile home loans and multi-family home loans
  • con-icon You can apply for a mortgage through LendingTree as a primary home, secondary home, or rental property
  • con-icon Getting several offers with a single application makes it easier to negotiate for the best possible rates
  • con-icon Customers receive many emails and phone calls from various companies
  • con-icon Each lender runs a hard credit check, which could reduce credit scores by a few points

Mortgage Type

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  • Mortgage Purchase
  • Mortgage Refinance
  • Home Equity Loan
  • Home Equity Line of Credit
  • FHA
  • VA

LendingTree Mortgages Terms & Requirements

Each lender in LendingTree’s network offers its own mortgage loans and terms, which you’ll see at the end of the application process. Most conventional home loans have 15- or 30-year terms and require a 620+ credit score and 3% down payment. Other options, such as FHA or VA loans, have their own requirements.

Before applying for a loan, make sure you meet the lender’s requirements, such as income or maximum debt-to-income ratio. Also, check the current average market rates for mortgages and refinancing options to confirm you’re getting the best ones.

How to Apply

To apply for a home loan through LendingTree, start by selecting the type of property you want to buy. Options include:

  • Single-family home
  • Condominium
  • Multi-family home
  • Townhome
  • Manufactured or mobile home

Next, answer some general questions to help with the process. This includes things like:

  • Where the potential property is located
  • Where you’re at in the home-buying process
  • How much money you’re willing to spend
  • Current income and employment status
  • Estimated credit score and history (including any bankruptcies and foreclosures)
  • Where you have a bank account (optional)

Once you’ve answered everything and created an account, LendingTree will conduct a soft credit inquiry that won’t affect your score. Then, it will give you a list of loan types and rates, based on your profile. Most applicants receive four or five potential offers. Take your time to go over the offers before applying for one.

Applying for a preliminary offer may mean agreeing to a phone call from prospective home loan companies, so keep this in mind. Make sure you write down and double verify everything from the phone call with the written offer.

Although every lender is different, you may need to provide the following documents to apply for a loan:

  • Pay stubs from the past 30 days
  • W-2s for the past 2 years
  • Bank statements for the past 60 days
  • 2 years’ worth of federal tax returns
  • 1099 forms (if self-employed)
  • Verification of employment – this should include the company name, position title, and salary
  • Proof of assets (ex. investments, dividends, pension statements, social security income, etc.)
  • Signed purchase agreement
  • Gift letter (if applicable)

Qualification Requirements

Qualifying for a home loan through LendingTree largely depends on the lender. However, most borrowers will want to have the following:

  • 620+ credit score
  • 50% maximum debt-to-income ratio
  • 2 years of steady income
  • US citizenship or permanent resident
Min. Credit score 620
Min. debt-to-income ratio 50%
Min. annual income Varies
Min. age of borrower 18 years old
Citizenship/residency US citizen or permanent resident

Required Information

In order to start the prequalification process, be prepared with the following documents:

  • W-2s
  • Pay stubs
  • Bank statements
  • Tax returns
  • Proof of assets
  • Gift letter (if applicable)
  • Signed purchase agreement
  • Verification of employment and income

The process is done online, but you may receive preliminary offers via the phone.

Application Steps & Time Frames

To start the home purchase process, head to LendingTree’s main page and click “Home Purchase.” Then, select “Learn More” to get a rough outline of some mortgage purchase rates in your area. Or, if you’re ready to prequalify, click “Compare Rates” instead.

Prequalifying only takes around 5 minutes to complete. Similar to other marketplaces, LendingTree doesn’t clearly indicate how long it takes to receive funds, or how long the entire application process takes. This is because every lender in the marketplace is different.

State Availability

- Available in all states

LendingTree Auto Loans Review

LendingTree has a large network of auto loan providers, including Capital One Auto Finance, iLendingDirect, RefiJet, Pen Fed Credit Union, and Southeast Financial. Each lender has its own loan terms, minimum and maximum loan amounts, interest rates, and eligibility requirements.

As a marketplace, LendingTree’s prequalification application and comparison service are both free. Once you’ve signed up, you’ll receive your first prospective matches within about 24 hours.

LendingTree Auto Loans Highlight

550

Min Credit Score

4-8.9%

APR. Fixed Rate

4-6.9%

APR. Variable Rate

$500-$300K

Loan Amount

1-7 years

Repayment terms

Yes

Soft Credit Pull

Marketplace

Lender Type

N/A

Other Fees

None

Origination Fee

None

Prepayment Fee

1 days

Funding Time

10 Years

Max Vehicle Age

Pros & Cons

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  • con-icon Fast funding for auto loans and auto refinance
  • con-icon Easy to use platform makes application process simple
  • con-icon Competitive interest rates among variety of reputable lenders
  • con-icon Car must be newer than 10 model years old and have mileage below 120,000 miles to be eligible for refinancing
  • con-icon Current auto loans must have a minimum of 24 years left on the term and a balance of $5,000 to $55,000

Auto Loan Types

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  • Secured Auto Loans
  • Unsecured Auto Loans
  • New Car Loan
  • Used Car Loan
  • Auto Refinance Loans

Vehicle Types

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  • Car
  • Motorcycle
  • Truck
  • EV
  • Snowmbile
  • Watercraft

LendingTree Auto Loans Terms & Requirements

While the exact terms and requirements depend on the lender, most lenders offer the best rates and terms to borrowers with good credit (660+) and a 10% down payment. Most lenders offer auto loans – new and used – with 24- to 36-month terms, but some loans range from 12 to 72 months.

You’ll need to be at least 18 years old and a U.S. citizen or permanent resident to be eligible. You’ll also need an active bank account and a steady source of income.

How to Apply

Applying for an auto loan or refinancing through LendingTree begins with a quick online prequalification process. Start by answering a few questions, such as:

  • Type of loan – purchase, refinance, or lease buy out
  • Desired loan term – 1 to 7 years
  • Potential down payment
  • Desired loan amount
  • Make of the vehicle (ex. Dodge, Ford, Honda, etc.)
  • Whether the vehicle is new or used
  • Year and model of the vehicle (ex. Mustang, Ranger, EcoSport)
  • Vehicle’s trim and other details
  • Whether you’ve already found a vehicle you’re interested in purchasing
  • Date of birth
  • Any past bankruptcies in the past 7 years
  • Estimated credit score (range)
  • Employment status (ex. full-time, student, retired)
  • Job and employer information (ex. start date, job title, etc.)
  • Pre-tax annual income
  • Any other assets
  • Full name

LendingTree uses the provided information to help you find a good offer. Even if you don’t have all the details now, you can still tweak or add them later.

Upon completing the prequalification process, create an account and provide some additional details about yourself and living arrangements. Once you’ve followed all the prompts, you’ll be shown a list of preapproved offers. Choose the best one and apply directly on the lender’s website.

Keep in mind that prequalification doesn’t affect your credit score. However, applying for a loan will require a hard inquiry.

Qualification Requirements

LendingTree’s minimum requirements for taking out an auto loan or refinancing are fairly standard. They include:

  • No minimum credit score (660+ recommended)
  • No active bankruptcies
  • SSN
  • Steady income
Credit score & credit history

660+ recommended

No active bankruptcies (prior bankruptcy OK)

Income Undisclosed
Job status Any
Citizenship/residency US citizen or permanent resident
Age 18
Debt-to-income ratio Below 36%
Co-signer Optional
Bank account Yes


Other documents: Loan application, proof of address, personal identification, SSN, proof of income, driver’s license, proof of citizenship, employer contact information, SSN, tax return, and bank statements

Required Information

The pre-qualification process for an auto loan starts on LendingTree’s main page. Click the arrow at the top that says, “More Loan Options.” Then select “Auto Loans.” From there, you can click “Compare Rates” to start the initial application. Or you can select “Learn More” to get a snapshot of participating lenders, as well as take advantage of the auto loan calculator.

When applying, be prepared with basic contact and employment information. In the case of refinancing, have your vehicle’s information on hand.

Application Steps & Time Frames

Here’s the basic process for getting an auto loan through LendingTree:

  • Fill out the prequalification form online. This takes about 5 minutes.
  • Compare lenders and choose an offer that works for you.
  • Complete the application with that lender and wait to be approved. This can be done in a few business days.
  • Time to funding depends on the lender, but usually takes several business days.

State Availability

- Available in all states

LendingTree Business Loans Review

LendingTree’s network of direct lenders offers a variety of business loans to small businesses and some startups. Depending on the lender, these loans may have lower eligibility requirements than traditional banks. This, combined with LendingTree’s easy application process, makes these loans more accessible to borrowers.

LendingTree Business Loans Highlight

500

Min Credit Score

Min 3.49%

APR. Fixed Rate

$3K-$10M

Loan Amount

Varies

Repayment terms

Yes

Soft Credit Pull

Marketplace

Lender Type

Varies

Other Fees

Varies

Origination Fee

Varies

Prepayment Fee

24 Hours

Funding Time

$100K

Annual Revenue

12+ Months

Time in Business

Pros & Cons

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  • con-icon Eligibility requirements may be lower, depending on the lender
  • con-icon Various types of business loans, including some for startups
  • con-icon Prequalification available
  • con-icon Secure online application process
  • con-icon Not very transparent with loan terms and rates until after applying
  • con-icon Some lenders charge additional fees (ex. origination fees)
  • con-icon Applicants may receive unsolicited offers

Business Loan Types

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  • 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

LendingTree Business Loans Terms & Requirements

LendingTree’s exact requirements and terms aren’t very clear online. A big reason for this is that it’s a marketplace, not a direct lender. Each lender on the platform has its own criteria, terms, and interest rates. This isn’t too atypical of online marketplaces, but it does make it tricky to know what to expect until after applying.

With that in mind, LendingTree does offer a variety of business-related loans, including SBA loans and commercial real estate financing. It also has business lines of credit, which can be used for related expenses.

Although you need to complete an application for specific details, expect to provide information about your finances and credit score (business and personal). You may also need a business plan and some form of collateral.

How to Apply

LendingTree’s application process begins with a few standard questions about your financing needs and business. These include:

  • Business type (ex. Limited Liability Company, S Corporation, etc.)
  • How much money you need
  • Purpose of financing
  • When you need the funds
  • Business start date
  • Business’ average monthly revenue
  • Business industry
  • Your name, phone number, email address, and zip code

Once you’ve filled out the application, you’ll be presented with a quote from up to 5 of LendingTree’s partner lenders. Review each offer and, if one fits your needs, head over to that lender’s application to complete the financing process.

Certain loans, such as the SBA loans, have a more involved process. Additionally, you may need to upload additional documents verifying your information (ex. proof of revenue and business plan).

Upon applying, expect the lender to run a hard inquiry into your credit report. If approved, the lender will send you an official offer for your review. Funding, then, depends on the lender and can take anywhere from 24 hours to several weeks.

Qualification Requirements

Credit score & credit history 600+ and no active bankruptcies
Minimum age of business 12 to 24 months in most cases
Minimum annual revenue Varies by lender
Minimum age of borrower 18+
Citizenship/residency Depends on lender (US citizen or permanent resident for most)

 

Required Information

Prequalifying for a business loan through LendingTree is typically done entirely online. Although lender requirements vary, be prepared with the following:

  • Business information (ex. name, type, tax ID, address, age, industry, monthly income, business plan, etc.)
  • Personal information (ex. contact information, proof of identity, credit score, Social Security Number, etc.)
  • Bank account information
  • Desired amount to borrow and loan purpose

Application Steps & Time Frames

Applying for a business loan through LendingTree doesn’t typically take long – only a few minutes for the initial prequalification process – but the time to funding depends on the lender. Some applications are also more involved than others. This is fairly standard for marketplaces in the industry.

State Availability

- Available in all states

angelawatson
Written by Angela Mae

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.

faq-icon

FAQ’s

Is Lendingtree legit?

Yes, Lendingtree Inc is a legit online marketplace and a public company listed on NASDAQ under the ticker TREE.

Is LendingTree a direct lender?

No. LendingTree is an online marketplace that connects consumers to different lenders and loan companies. LendingTree’s goal is to be a one-stop shop for various financial services.

Is LendingTree free to use?

LendingTree’s prequalification tool and online application are free to use. It doesn’t have any other fees, either. However, individual lenders may charge closing costs or origination fees.

What specific services or loans does LendingTree offer?

LendingTree offers a variety of consumer loans. This includes personal loans, home refinance and purchase, credit cards, business loans, insurance, auto loans, student loans, and other financial services.

Customer Support

LendingTree’s North Carolina offices have the following business hours:

  • Monday through Thursday from 8:00 am to 9:00 pm (EST)
  • Friday from 8:00 am to 8:00 pm (EST)
  • Saturday from 10:00 am to 7:00 pm (EST)

You can reach a LendingTree representative via the Contact Us page with your query or situation.

Since LendingTree is a marketplace, once you are connected with a lender you will be working entirely with them. Each lender has its own customer service department and reputation, so do your research before working with any of them.

Privacy & Security

LendingTree is committed to its customers privacy and security. The marketplace uses “Next Generation Firewalls” to protect customer data and prevent hacking or data leaks. It also accepts vulnerability reports, which let individuals – ex. security researchers –bring up any potential security issues.

The marketplace also uses public key cryptography algorithms to keep information secure for its partners, consumers, and any affiliates. Although LendingTree recognizes that no online data transmission is 100% secure, it does its best to keep information safe.

As for privacy, LendingTree outlines its policy on data collecting and sharing. This includes things like people’s names, contact or financial information, and other demographic information. The marketplace collects data in one of three main ways: user input, credit bureaus, and cookies.

In Conclusion

Unlike many online lending marketplaces, LendingTree has been around for decades. It’s built a solid reputation for itself as a convenient, reliable source that connects individuals to prospective lenders.

LendingTree’s transparency makes it easy to find the right loan for your situation. Since it’s a marketplace and not a direct lender, the company doesn’t have specific credit score or income requirements. Eligibility for a loan depends on the lender themselves. Even if you have a spotty credit profile or higher debt-to-income ratio, you may still qualify for a loan.

If you need a consumer loan – personal, auto, home, etc. –, LendingTree is a good place to start. Its comparison tool is easy to use and free. Plus, the application process is fast, doesn’t affect your credit score, and is done entirely online.

Brand Disclaimer

LendingTree, LLC is a Delaware limited liability company with its corporate headquarters located at 1415 Vantage Park Drive, Suite 700, Charlotte, North Carolina 28203. Any reference in this Licenses and Disclosures to “we” or “us” or similar words shall refer to LendingTree, LLC unless otherwise indicated, all such entities referred to as “LendingTree”. Any reference in Licenses and Disclosures to “you” or “your” means the person(s) using the LendingTree Websites (as defined in the Terms of Use Agreement), and/or the good, facilities or services of LendingTree offered through alternative methods. LendingTree is a marketing lead generator, required to be licensed as a Mortgage Broker or other state license designation. LendingTree DOES NOT take mortgage applications, originate, service, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements. LendingTree’s services are only administrative. Any loan inquiry you submit is NOT an application for credit. Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender, not LendingTree, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. LendingTree, LLC does not endorse or recommend the products of any particular Lender.                                                                                                  Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680