LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). 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.
The card 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 card companies or all card offers available in the marketplace.
Credit Card Providers determine the underwriting criteria necessary for approval, you should review each Provider’s terms and conditions to determine which card works for you and your personal financial situation. All reasonable efforts are made to provide and maintain accurate information. All credit card 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. The “Credit Needed” information is provided by the Credit Card Providers and is not a guarantee of approval.
Any opinions, analyses, reviews or recommendations expressed in articles, marketing materials or otherwise are those of the author’s alone and/or LendingTree, and have not been reviewed, approved or otherwise endorsed by any Credit Card Provider.
See the online Provider’s credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the provider’s website.
ASSUMPTIONS: The Credit Card Balance Transfer Calculator assumes the full balance of the credit card will be transferred to a 0% APR credit card and regular payments will be applied. The calculator also assumes a $0 balance transfer fee for certain cards that have a promotional introductory balance transfer fee. LendingTree does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. The actual savings does not take into account any fees or other charges by the card issuer. Please read all terms and conditions of the credit card offer carefully before making a decision. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only.
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 08-Mar-24, LendingTree Personal Loan consumers were seeing match rates as low as 6.99% (on a $5000 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 | 7.22% | 8.49% | $18.50 | $30.98 |
| $5,000 | 3 | 6.99% | 6.99% | $0.00 | $154.36 |
| $5,000 | 5 | 8.99% | 8.99% | $0.00 | $103.77 |
| $10,000 | 3 | 7.99% | 7.99% | $0.00 | $313.32 |
| $10,000 | 5 | 8.99% | 8.99% | $0.00 | $207.54 |
| $15,000 | 3 | 6.99% | 6.99% | $0.00 | $463.09 |
| $15,000 | 5 | 8.99% | 8.99% | $0.00 | $311.30 |
| $20,000 | 3 | 6.99% | 6.99% | $0.00 | $617.45 |
| $20,000 | 5 | 8.99% | 8.99% | $0.00 | $415.07 |
| $25,000 | 3 | 6.99% | 6.99% | $0.00 | $771.81 |
| $25,000 | 5 | 8.99% | 8.99% | $0.00 | $518.84 |
| $30,000 | 3 | 6.99% | 6.99% | $0.00 | $926.18 |
| $30,000 | 5 | 8.39% | 8.39% | $0.00 | $613.93 |
| $35,000 | 3 | 6.99% | 6.99% | $0.00 | $1080.54 |
| $35,000 | 5 | 7.99% | 7.99% | $0.00 | $709.51 |
| $50,000 | 3 | 8.49% | 8.49% | $0.00 | $1578.15 |
| $50,000 | 5 | 9.49% | 9.49% | $0.00 | $1049.85 |
*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. When LendingTree obtains your instruction to do so, LendingTree and its lender partners may review your credit history in connection with such activities, in compliance with the Fair Credit Reporting Act. 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.
Home Equity Loan/Home Equity Line of Credit
If your home is worth more than you owe you may be able to borrower again that portion of available equity in your home. So which product is right for you? You should talk to your personal financial advisor before making any decisions. If you become delinquent on your payments to your mortgage and your home equity loan you could lose your home in a foreclosure proceeding. Think about the additional monthly payment and if you truly have an ability to repay it. Be honest with your lender and provide all the requested documents and fill out a formal application with the lender you choose, pay attention to points, fees, interest rates and terms associated with each product and find the one that suits your personal financial situation.
Home Equity Loans: Most Home Equity Loans have a fixed interest rate, so your monthly payment will be the same for the agreed upon term. The interest paid is generally tax deductible, but always find out for sure through your financial and/or tax advisor. Qualifying for a Home Equity Loan depends on the underwriting criteria set by the lender, the available equity in your home and your ability to repay the loan. Generally lenders review your credit score, credit history, employment history, debt, income and ability to repay. Some lenders require that you have an account with them and have a certain percentage of equity in your home to qualify. Ask them what up-front fees are assessed and if there are any pre-payment penalties.
Home Equity Line of Credit: A Home Equity Line of Credit (HELOC) is a type of loan also takes a security interest in your home but allows you to have a “draw period” so that you can access the line of credit (like a credit card) when you need it. HELOCs, generally, are variable rate loans which means the interest rate of repayment will be based on a predefined index rate. Terms for repayment can be 25 years with a period to draw off the amount for 10 years. Maybe you don’t need all the money at once and this way you can use what you need and begin repayments and draw again (during the prescribed time) when you need it again.
“As Low As Rates” as of 08-Aug-2022:
| Loan Amount | APR | Payment |
| $25,000.00 | 6.63% | $160.08 |
| $50,000.00 | 6.63% | $320.16 |
| $100,000.00 | 6.88% | $656.93 |
The "As Low As Rate" of 6.63% APR is the lowest rate that most consumers at LendingTree were able to get. Some consumers received lower rates, and other consumers received higher rates, but a typical consumer can get rates as low as the above rates based on the typical loan amount sought.
LendingTree does not warrant lender information/data and makes no claim to the availability or terms associated with these products. Ask what criterion is required to qualify for each lender and for each product. Please weigh your options carefully. Rate and terms may change at any time before or after account opening and vary by property type, loan amount, credit history, lien position, and loan-to-value (LTV) ratio, debt-to-income (DTI) ratio, FICO score and draw amount at closing, if product is chosen. Generally, home equity loans are not available for homes currently for sale. Homes previously listed for sale must generally be off the market for at least ninety days prior to applying to lenders for a home equity loan or HELOC. Rates subject to change daily and minimum line amounts may apply. All accounts are subject to individual lender approval. See also http://files.consumerfinance.gov/f/201204_CFPB_HELOC-brochure.pdf
LendingTree offers consumers the option of working with our credit repair and debt relief (collectively, “Pre-Prime”) partners. The Pre-prime offers that appear on this site are from companies from which LendingTree receives compensation. This compensation may impact how and where the partners appear on this site (including for example, the order in which they appear or whether a partner is “featured” on the site).
Pre-prime partners may contact consumers via phone or email to enroll in the services. Any fees for the services will be paid by the consumers to the partner and not to LendingTree.