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LendingTree Review
In a nutshell: LendingTree is a long-established U.S.-based online marketplace offering access to a large network of lenders for debt consolidation. With a single, secure application, users receive multiple competitive offers, making it easier to reduce costs and streamline payments. LendingTree also provides tools like credit monitoring, calculators, and educational content to help borrowers make informed decisions.
LendingTree Review
In a nutshell: LendingTree is a long-established U.S.-based online marketplace offering access to a large network of lenders for debt consolidation. With a single, secure application, users receive multiple competitive offers, making it easier to reduce costs and streamline payments. LendingTree also provides tools like credit monitoring, calculators, and educational content to help borrowers make informed decisions.
LendingTree Review
In a nutshell: LendingTree is a long-established U.S.-based online marketplace offering access to a large network of lenders for debt consolidation. With a single, secure application, users receive multiple competitive offers, making it easier to reduce costs and streamline payments. LendingTree also provides tools like credit monitoring, calculators, and educational content to help borrowers make informed decisions.
Overview
Founded in 1996, LendingTree is a publicly traded fintech company headquartered in Charlotte, North Carolina. It operates as an online lending marketplace, connecting borrowers with a network of over 300+ lenders across the U.S. Rather than issuing funds, LendingTree enables comparison shopping; submitting a single application yields multiple offers from competing lenders, which can help borrowers secure more favorable terms.
LendingTree's debt consolidation services are especially popular. In early 2025, nearly 49% of U.S. borrowers on its platform used a personal loan to consolidate debt. The platform’s USP lies in its combination of convenience, one application, many offers, and educational support, including budgeting tools, credit monitoring, and rate calculators.
Pros
- Fast access to multiple loan offers
- Secure process with soft credit inquiries
- Credit score monitoring is included
- No charges for using the platform
Cons
Application Process
- One secure form: Complete an online form detailing loan amount, debt type, credit score, income, and employment.
- Soft pull credit check: Initial inquiry doesn't impact credit score.
- Receive offers: Matched with up to five lenders based on profile.
- Select & finalize: Complete the loan application directly with the selected lender.
- No obligations: Borrowers are free to decline any or all offers.
Debt Services
LendingTree provides a broad spectrum of debt solutions:
- Debt consolidation loans: Combine debts into one manageable payment.
- Debt management plans: Offered through third-party counselors, helping to restructure repayment.
- Debt settlement: Negotiated reductions with creditors, used as a last resort due to potential credit damage.
Educational resources help consumers determine the best path based on their credit profile and debt size.
Types of Debt Covered
- Credit card balances
- Medical bills
- Unsecured personal loans
- Payday loans (case-dependent)
LendingTree also supports:
- Home equity loans
- Student loans
- Mortgages
- Auto loans
- Business loans
- Balance transfer credit cards
Customer Support
- Contact options: Phone support at 888‑813‑4620, email, and online forms.
- Live chat: Available during the application process.
- Security: Uses 128-bit encryption for secure data handling.
- Privacy: No fees or ID required upfront; cancellation possible anytime.
- Concern: Expect follow-up from multiple lenders post-application.
AI was used in the creation of this content, along with human validation and proofreading.
Pros
- Fast access to multiple loan offers
- Secure process with soft credit inquiries
- Credit score monitoring is included
- No charges for using the platform
Cons
- Potential influx of lender contacts after inquiries
- LendingTree itself doesn’t fund loans
- Partner lender requirements may exclude low-credit borrowers
Our Top 3 Picks
LendingTree at a Glance
9.0Editorial Score
Application process
9.0
The application can be completed easily on their platform, and users can receive multiple loan offers quickly
Customer support
9.0
Toll free phone or email support Mon-Thurs 8:00 AM to 9:00 PM EST, Fri 8:00 AM to 8:00 PM EST, and Sat 10:00 AM to 7:00 PM EST
Eligibility criteria
10
Accept all debt types, all debtor types, no restrictions as they are a loan aggregator
Customer rewards
9.0
Customer rewards depend on the loan company chosen by the searcher
Financial tools and resources
8.0
Provides information and referrals to credit counseling agencies that offer DMPs, offers many educational resources
FAQs About Debt Consolidation Loans
Looking to improve your financial well-being and simplify your monthly payments? In addition to comparing some of the best debt consolidation loan companies, we've compiled some of the most commonly asked questions about debt consolidation loans to help you make an informed decision.
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