Advertising Disclosures

The offers that appear on this site are from companies from which LendingTree receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). LendingTree does not include all lenders, savings products or loan options available in the marketplace.

What portion of LendingTree's services in connection with my loan request is free?

There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. Of course, the lender you choose may require a fee to process your formal loan application, appraisal, and/or credit report, but until you agree to pay the lender any fee(s), you may shop with LendingTree at no cost.

How does LendingTree get paid?

LendingTree does not charge you, the consumer, a fee for its services. Who pays our bills? The lender. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.

A Personal Loan can offer funds relatively quickly once you qualify you could have your funds within a few days to a week. A loan can be fixed for a term and rate or variable with fluctuating amount due and rate assessed, be sure to speak with your loan officer about the actual term and rate you may qualify for based on your credit history and ability to repay the loan. A personal loan can assist in paying off high-interest rate balances with one fixed term payment, so it is important that you try to obtain a fixed term and rate if your goal is to reduce your debt. Some lenders may require that you have an account with them already and for a prescribed period of time in order to qualify for better rates on their personal loan products. Lenders may charge an origination fee generally around 1% of the amount sought. Be sure to ask about all fees, costs and terms associated with each loan product. Loan amounts of $1,000 up to $50,000 are available through participating lenders; however, your state, credit history, credit score, personal financial situation, and lender underwriting criteria can impact the amount, fees, terms and rates offered. Ask your loan officer for details.

As of 15-Jul-20, LendingTree Personal Loan consumers were seeing match rates as low as 3.49% (on a $20000 loan amount for a term of three (3) years. Rates and APRs were based on a self-identified credit score of 700 or higher, zero down payment, origination fees of $0 to $100 (depending on loan amount and term selected). Here are some examples of matches consumers were receiving during this time period:

Loan Amount Loan Term (Years) Rate APR Origination Fee Estimated Fixed Monthly Payment*
$1,000 3 6% 7.99% $29 $30
$5,000 3 5.32% 5.99% $50 $151
$5,000 5 6.89% 6.89% $0 $99
$10,000 3 4.49% 4.49% $0 $297
$10,000 5 4.69% 4.69% $0 $187
$15,000 3 3.99% 3.99% $0 $443
$15,000 5 4.19% 4.19% $0 $278
$20,000 3 3.49% 3.49% $0 $586
$20,000 5 4.19% 4.19% $0 $370
$25,000 3 3.99% 3.99% $0 $738
$25,000 5 4.69% 4.69% $0 $468
$30,000 3 3.99% 3.99% $0 $886
$30,000 5 4.69% 4.69% $0 $562
$35,000 3 3.99% 3.99% $0 $1033
$35,000 5 4.69% 4.69% $0 $656
$50,000 3 3.99% 3.99% $0 $1476
$50,000 5 4.69% 4.69% $0 $936

*Rates and APR assume fixed rate for the term of the loan may not be available for all consumers, ask your lender for a fixed rate quote.

Here’s how it can work:*

Example 1: 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.

Example 2: A $25,000.00 secured personal loan financed for 60 months at an interest rate of 8.500% would yield an APR* (Annual Percentage Rate) of 8.496% and 59 monthly payments of $512.87 and 1 final payment of $513.24.

*These examples are for illustrative purposes only. The examples and match rates are not a guarantee, agreement, or commitment to loan funds or extend credit. Interest rates and terms are subject to change at any time without notice. Loans are not available in all states at all requested amounts. All loan applications are subject to credit approval by the lender(s) with whom you are matched. LendingTree, LLC does not offer, extend, or alter credit terms it merely connects you with lenders who can perform such activities after reviewing your credit history (a hard pull of credit will be performed by lenders with whom you are matched in order to provide you with prompt responses to your loan needs) under the Fair Credit Reporting Act such permissible purpose exists in order to evaluate your request promptly and adequately. Rate, terms and fees will be based on your individual credit history and underwritten by the lender NOT LendingTree. All Equal Credit Opportunity Act requirements are adhered to and each lender will provide you with all required disclosures. Request all fees, terms, and rate information from the participating lender as LendingTree, LLC does not receive any funds from you and only receives a “lead fee” from the lender.

The Personal Loan offers that appear on this site are from companies from which LendingTree receives compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a lender is “featured” on the site). LendingTree does not include all Personal Loan companies or all types of offers available in the marketplace.

Personal Loan Providers determine the underwriting criteria necessary for approval, you should review each Provider's terms and conditions to determine which loan works for you and your personal financial situation. All reasonable efforts are made to provide and maintain accurate information. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Provider's discretion. There is no guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms shown.

LendingTree Advertisement Disclosure (last updated June 8, 2018): LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 11115 RUSHMORE DR., CHARLOTTE, NC 28277, TELEPHONE NUMBER 1-800-555-8733. For a current list of applicable state licensing and disclosures, click Licenses and Disclosures or call for details. LendingTree, LLC NMLS Unique Identifier # 1136, AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker, License #'s MB-0902469 and MB-0909882; California Dept. of Corporations, California Finance Lenders Law License No. 6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate; CT Mortgage Broker, License #4164 - MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; Georgia Mortgage Broker/Processor License #12989; Illinois Residential Mortgage License #0005433; Kansas Mortgage Company License #MC.0002279; MA Mortgage Broker License #MB1136 - We arrange but do not make loans; ME Loan Broker License #CSO06321; Licensed by the Mississippi Department of Banking and Consumer Finance as a Mortgage Broker License #1136; MO Mortgage Broker License #10-1261, 727 N. First Street, Suite 310, Saint Louis, Missouri 63102; MT Mortgage Broker, License #1097; Licensed by the New Hampshire Banking Department; NJ Residential Mortgage Broker License # 0801779 - broker will not make any mortgage loan commitments or fund any mortgage loans; NV Mortgage Broker License #1698; LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker-- NYS Department of Financial Services License #A004890 - Broker arranges mortgage loans with third-party providers; OH Mortgage Broker License #MB.802159.000, 7494 Preserve Place, West Chester, OH 05069; OR Mortgage Lending License #ML-1862; PA Licensed Mortgage Broker by the PA Department of Banking #20298; Rhode Island Licensed Loan Broker #20062113LB; Texas Mortgage Company License Unique Identifier #1136, Mr. Shan Guo #300978, Residential Mortgage Loan Originator at 1312 Village Creek Drive Suite 900, Plano TX 75093; VA Mortgage Broker License #MC-1052, Licensed by the Virginia State Corporation Commission; WA Mortgage Broker License #MB1136. Advertised Terms and Information
  • The information and disclosures above relate to advertised terms made by or through LendingTree.
  • Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.
  • LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms.¬†APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.
  • You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
  • FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.