LendingTree Personal Loan Review (2026)
LendingTree is the largest online loan marketplace in the United States, connecting borrowers with dozens of bank, credit-union, and fintech lenders in a single application. Unlike a direct lender, LendingTree does not fund loans itself. Instead, it presents competing offers side-by-side so borrowers can compare APRs, monthly payments, and terms before choosing. Get Advance Loan is a partner marketplace that works alongside LendingTree's network.
Pros and cons
Pros
- Multiple offers from one application
- Broad credit-score acceptance (580+)
- Transparent rate comparison before committing
- No direct application fee to LendingTree
- Covers all 50 states
Cons
- Sharing data triggers multiple lender inquiries
- Not a lender — your actual offer comes from a third party
- Best rates require 720+ credit score
LendingTree — common questions
Does LendingTree do a hard or soft credit pull?+
LendingTree performs a soft credit inquiry to show initial offers, which does not affect your credit score. The lender you ultimately choose may perform a hard pull when you accept and finalize a loan.
What credit score do you need for LendingTree?+
LendingTree accepts applications from borrowers with credit scores as low as 560. However, the offers you receive, and their APRs, depend on the individual lenders in the network. Higher scores (680+) typically unlock better terms.
How is LendingTree different from a direct lender?+
LendingTree is a marketplace, not a lender. It collects your information once and forwards it to multiple lenders in its network, which then return competing offers. You choose the offer you like best and complete the application with that lender directly.
What are LendingTree's loan limits?+
Through its network, LendingTree surfaces personal loan offers from $1,000 to $50,000. Some lenders in the network offer up to $100,000 for home improvement or debt consolidation purposes.
Alternatives to LendingTree
Not sure LendingTree is the right fit? Compare all lenders or use our marketplace to see multiple offers at once.
Editorial disclosure: This review is prepared by Get Advance Loan’s editorial team and is independent of the reviewed lender. Get Advance Loan is a free loan marketplace and may receive compensation from lender partners when users accept loan offers through our platform. This compensation does not influence our editorial assessments. All rate data is sourced from the lender’s public disclosures and is accurate as of June 2026. Verify current rates directly with LendingTree before applying.