Questions, answered
Everything you might want to know before you compare offers.
How fast will I see offers?+
Most people see real offers within minutes of finishing the form. Once you accept one, funds typically arrive within one business day of the lender's approval.
Will comparing offers affect my credit score?+
No. Comparing rates on LendingTree uses a soft credit inquiry, which has no impact on your score. A hard inquiry only happens after you choose an offer and continue with that lender.
What does LendingTree cost?+
Nothing. Comparing offers is always free for borrowers. Lenders in our network pay us when they connect with people looking to borrow.
Is LendingTree a lender?+
No — we're a marketplace. We bring 300+ lenders together so you can compare their offers side by side instead of applying one at a time.
What credit score do I need?+
Our network serves a wide range of credit profiles, generally starting around a 580–620 score. Stronger profiles unlock lower rates and higher amounts.
Are there hidden fees?+
Every rate, fee, and term is disclosed by the lender before you sign. There are no LendingTree fees, no origination surprises, and no prepayment penalties on most offers.
How is my information protected?+
Your data is encrypted in transit and at rest, and it's only shared with lenders you choose to receive offers from.
Can I use a loan for anything?+
Most personal loans can be used for debt consolidation, home projects, medical bills, moving costs, and more. Some lenders restrict business or education use.