Is LendingTree a legitimate company?
Yes, LendingTree is a legitimate company with a strong track record. It has received numerous positive reviews, boasting a high average rating from real customers who praise its fast and efficient service.

LendingTree is a financial services company that operates an online marketplace, allowing consumers to compare various loan offers from multiple lenders. Established to simplify the borrowing process, the platform provides users with access to a wide range of financial products, including personal loans, mortgages, auto loans, and credit cards. By enabling consumers to evaluate options side by side, LendingTree aims to help individuals make informed financial decisions based on their specific needs. The company's target market includes individuals seeking competitive rates for loans and financial products. By connecting borrowers with lenders, LendingTree serves a diverse customer base, from first-time homebuyers to those looking for debt consolidation solutions. Through its user-friendly interface, LendingTree strives to enhance transparency and accessibility in the finance and insurance sector, making it easier for consumers to navigate their financial choices.
LendingTree receives high praise from many customers for its fast and easy loan application process, with numerous reviewers highlighting the quick approval times and seamless experiences. People appreciate the professionalism and helpfulness of the staff, often noting that the service is efficient and user-friendly.
However, some critical voices express concerns about LendingTree's practices, particularly regarding its role as a referral service, which can lead to an overwhelming number of calls from lenders. Additionally, a small business owner warns about potential predatory practices associated with their advertised programs. Despite these complaints, the majority of consumers find the service effective and recommend it for personal loans. Overall, LendingTree maintains a positive reputation among most users.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.4 | 60 | 100% | — | ● Medium |
Monthly average rating from reviews written by people.
Not enough history for a trend yet: 60 reviews in 1 month. The chart appears once reviews span two months.
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Awesome service fast and easy Got approved very quickly”
“As a small business owner, I discovered LendingTree through a government loan program they advertise as a trusted par...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
| 4.4 out of 5 (good) | 100 out of 100 | 4.4 out of 5 (good) | — | 60 | |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: LendingTree is #4 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 4.4).
60 reviews of LendingTree. Filter by what matters to you.
Quick answers to the questions people ask most.
Yes, LendingTree is a legitimate company with a strong track record. It has received numerous positive reviews, boasting a high average rating from real customers who praise its fast and efficient service.
No, LendingTree is not a scam. It has many verified reviews that indicate a general satisfaction with their services, although some customers have expressed concerns about the volume of calls received from lenders.
LendingTree offers a variety of financial services including personal loans, mortgage refinancing, and credit card consolidation. Many customers have highlighted the ease of the application process and the rapid approval times.
LendingTree typically works with various lenders who may offer different payment options. Customers have noted that the process is straightforward and does not require extensive hard inquiries into their credit.
You can contact LendingTree through their website, where they provide customer support options including live chat and email. Many users appreciate the helpfulness of their representatives throughout the loan process.
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I was in a disparate situation, but lending help me
Super fast and easy!
This is my second loan with upgrade/lemding tree, the online application and processing was quick and easy, I highly recommend this service if your looking for a personal loan!
Easy experience, excited to pay off my credit cards and make my life easier.
As a small business owner, I discovered LendingTree through a government loan program they advertise as a trusted partner the branding logo and reviews. With a stack of referrals in hand, I reached out, expecting clarity and support. Instead, I faced repeated dismissals. I made it clear I only wanted the specific government program and not SBA 7(a), Business Credit, Equipment or Micro Loans. Despite this, agents continuously pushed those other loans and transferred me over and over again, more than four times. Each time I asked them to verify internally, the LendingTree reps persistently told me no. Eventually, an agent that kept telling me no they don’t support the government program admitted they do handle the program, but by then, my trust and hope were completely gone. The experience was not just frustrating; it felt belittling and predatory. As a small business, it’s disheartening to see a platform that’s supposed to support us engage in practices that may even violate federal protections. To other small business owners: Be CAUTIOUS!! Do your due diligence and verify the exact financial product or program you need before engaging with LendingTree. Their practices do not appear to support small businesses’ best interests — do not accept whatever they push on you. If you know what you need, insist on it or walk away. LendingTree’s handling of my inquiry destroyed my trust, faith, and hope. Even though they have the marketing on the program and their website, logo, branding, but the experience do not match. I don’t appreciate disrespect and dismissal, I won’t stand for it — so I walked away to protect my peace of mind they took and wasted my time and energy to start the process  Reader, be cautious and do your due diligence before investing in LendingTree’s platform. They have no kindness or respect, only a dismissive attitude towards their best interests.
Rapid experience
Awesome, I got the best rate possible
Very professional and helpful in completing the process of the loan.
it works for me and will work for you
I went with Lending Club not just because the rate was more competitive but also because they paid off my cc accounts making it really easy for me.
Short and sweet...good communication and explanation. Closed in record time
I didn’t realize when I reached to Lending Tree that it was a referral service and the absolute inundation of people calling me was overwhelming
Very attentive and trustworthy everything went smoothly from start to finish I was very impressed 👏 .Thank you.!!
Really good process found lender normal qualify process got the loan I needed.
Zable was very accomodative and the Rep(named Gabi) was very helpful and supportive.
I didn't have to speak to anyone. It was an easy application. The time to approve was almost instant, it didn't take 2 or 3 days. The PROCESS WAS AWESOME 👌 Thank you!!!
At the rate quoted by lending tree
Awesome fast
LendingTree is a financial services company that operates an online marketplace, allowing consumers to compare various loan offers from multiple lenders. Established to simplify the borrowing process, the platform provides users with access to a wide range of financial products, including personal loans, mortgages, auto loans, and credit cards. By enabling consumers to evaluate options side by side, LendingTree aims to help individuals make informed financial decisions based on their specific needs. The company's target market includes individuals seeking competitive rates for loans and financial products. By connecting borrowers with lenders, LendingTree serves a diverse customer base, from first-time homebuyers to those looking for debt consolidation solutions. Through its user-friendly interface, LendingTree strives to enhance transparency and accessibility in the finance and insurance sector, making it easier for consumers to navigate their financial choices.
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