TablePress Variety Table Examples

Table-1:

How Does LendingTree Get Paid?

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.

User ratings	APR range	Loan terms	Loan amounts	Min. credit score	Best for...
	5.99% - 35.99%	24 to 60 months	$3,500 - $40,000	680	Consolidating debt	See Personalized Results
	6.40% - 35.99%	36 and 60 months	$1,000 - $50,000	300	Building credit	See Personalized Results
(924) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	6.99% - 35.99%	24 to 60 months	$2,000 - $50,000	560	Applicants with low credit scores	See Personalized Results
(0) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	7.49% - 25.49% (with autopay)	24 to 144 months	$5,000 - $100,000	Not specified	Applicants with excellent credit	See Personalized Results
	7.99% - 17.99%	12 to 60 months	$600 - $50,000	700	Small loan amounts	See Personalized Results
(2) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	7.99% - 24.99%	36 to 84 months	$2,500 - $40,000	720	No origination fees	See Personalized Results
	7.99% - 35.99%	24 to 72 months	$2,000 - $36,500	660	Mid-sized expenses	See Personalized Results
	8.49% - 35.99% (with autopay)	24 to 84 months	$1,000 - $50,000	580	Flexible loan term durations	See Personalized Results
	8.99% - 25.81% (with discounts)	24 to 84 months	$5,000 - $100,000	680	Overall experience	See Personalized Results
	8.99% - 35.99%	36 to 60 months	$2,000 - $50,000	600	Secured and unsecured loan options	See Personalized Results
	8.99% - 35.99%	24 to 60 months	$5,000 - $50,000	620	Same day credit approval	See Personalized Results
	9.57% - 35.99%	24 to 60 months	$1,000 - $40,000	600	Applying with a co-borrower	See Personalized Results
(1,526) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	9.95% - 35.95%	12 to 60 months	$2,000 - $35,000	580	Fast loan funding	See Personalized Results
	11.72% - 24.67%	24 to 60 months	$5,000 - $40,000	640	Refinancing credit card debt	See Personalized Results
	13.39% - 24.91%	36 to 120 months	$10,000 - $200,000	660	Large loan amounts	See Personalized Results

Table-2:

APR range	5.99% - 35.99%
Loan amounts	$3,500 - $40,000
Loan terms	24 to 60 months
Origination fee	0.00% - 8.00%
Min. credit score	680

Table-3:

Pros	Cons
Access to your free monthly credit score Ability to change your due date Fast funding	May charge an origination fee of up to 8.00% Limited loan use Doesn't offer joint applications

Pros

Cons

Access to your free monthly credit score

Ability to change your due date

Fast funding

May charge an origination fee of up to 8.00%

Limited loan use

Doesn't offer joint applications

Table-4:

Credit score range	Average APR	Average loan amount
720+	14.80%	$18,963
680-719	23.48%	$14,567
660-679	32.06%	$10,895
640-659	45.00%	$8,270
620-639	58.69%	$6,377
580-619	89.33%	$4,366
560-579	127.20%	$3,027
Less than 560	165.66%	$2,530

Table-5:

	Pros	Cons
APRs	You can save money by comparison shopping for the lender that offers the lowest possible APR. Generally, the interest rates are fixed, making it easier to budget.	Qualifying for lower APRs requires a strong credit profile, though you could always improve your credit score and reapply at a later date.
Repayment	Personal loans have a definite payment schedule, which means borrowers know exactly how long it’ll take to pay off what they owe. Personal loans are generally unsecured, which means you don’t have to supply collateral.	Missing one personal loan payment could result in a defaulted debt, causing harm to your credit file and future creditworthiness. While your personal property isn’t at risk with unsecured loans, you can still be sued by a debt collector if you fall behind on payments.
Amounts, fees	Many lenders allow you to borrow a wide variety of amounts for a wide variety of purposes. There are plenty of no-fee lenders to choose from.	Some lenders charge an origination fee that can be as high as 12% of the loan amount. Less scrupulous lenders hide fees or offer scant repayment protections.

Pros

Cons

APRs

You can save money by comparison shopping for the lender that offers the lowest possible APR.
Generally, the interest rates are fixed, making it easier to budget.

Qualifying for lower APRs requires a strong credit profile, though you could always improve your credit score and reapply at a later date.

Repayment

Personal loans have a definite payment schedule, which means borrowers know exactly how long it’ll take to pay off what they owe.
Personal loans are generally unsecured, which means you don’t have to supply collateral.

Missing one personal loan payment could result in a defaulted debt, causing harm to your credit file and future creditworthiness.
While your personal property isn’t at risk with unsecured loans, you can still be sued by a debt collector if you fall behind on payments.

Amounts, fees

Many lenders allow you to borrow a wide variety of amounts for a wide variety of purposes.
There are plenty of no-fee lenders to choose from.

Some lenders charge an origination fee that can be as high as 12% of the loan amount.
Less scrupulous lenders hide fees or offer scant repayment protections.

Table-6:

New auto loans

Used auto loans

Refinance auto loans

Starting annual percentage rate (APR)

4.54%

5.44%

4.54%

Loan terms

Up to 96 months

Up to 72 months

Up to 96 months

Loan amounts

Not disclosed

Minimum of $5,000

See Auto Loan Rates

See Refinance Rates

Table-7:

Carrier	Domestic change	International change	Same-day change
Air New Zealand	$50	$100	$0-$50
Alaska Airlines	$0 (except Saver fares)	N/A	$25-$50
Allegiant	$25	N/A	N/A
American Airlines	$0	$0-$650	Starting at $50
ANA	$0-$500	$0-$500	$0-$500
British Airways	$0- $35	$0- $35	N/A
Cathay Pacific	$0-$90	$0-$90	$0-$90
Delta Air Lines	$0	$0	$75
easyJet	£25- £54	£25- £54	£25- £54
El Al	$0- $50	$0- $50	$0- $50
Emirates	Not specified	Not specified	Not specified
Etihad Airways	Not specified	Not specified	Not specified
Frontier Airlines	$0-79	$0-79	$79
Hainan Airlines	Not specified	$200-$250	Not specified
Hawaiian Airlines	$0 (excluding Main Cabin Basic fares)	$0 (excluding Main Cabin Basic fares)	Not specified
JetBlue	$0–$100	$0–$200	$75 (waived for Mosaic customers)
Korean Air	$30	$30	N/A
Norwegian Air	$0-$65	$0-$65	$0-$65
Qatar Airways	$0-$25	$0-$25	$0-$100
Ryanair	$45-$60	$45-$60	$45-$60
Singapore Airlines	$0 (first change)	$0 (first change)	$0 (first change)
Southwest Airlines	$0	$0	$0
Spirit Airlines	$0 - $119	$0 - $119	$199
Thai Airways	$125 USD + 30 SGD	$125 USD + 30 SGD	$125 USD + 30 SGD
Turkish Airlines	TRY 350	TRY 350	TRY 400
United Airlines	$0	$0	Up to $75 depending on status
WestJet	$0 CAD - $590 CAD	$0 CAD - $590 CAD	$0 CAD - $590 CAD

——Extra Tables for Extra Classes——-

A	B	C
AA	BA	CA
AB	BB	CB
AC	BC	CC

	Pros	Cons
Personal loan for debt consolidation	• Fixed APR and monthly payments • Potentially lower APR than what you’re currently paying	• APRs can run high for fair and bad credit borrowers • Subject to fees, like loan origination fee and prepayment penalty • Bad credit borrowers may not qualify at all
Balance transfer credit card	• Some cards have introductory 0% APR periods, which can last as long as 20 months • Potentially lower APR than what you’re currently paying on your credit cards	• Variable APR • Can only be used for consolidating credit card debt • Intro offers reserved for borrowers with strong credit • May be subject to a balance transfer fee of 3% to 5%
Home equity loans	• Fixed APR and monthly payments • Interest rates are typically lower than with unsecured debt • Can consolidate a large amount at once	• Only homeowners are eligible • You run the risk of going into foreclosure if you fail to pay • You could go underwater on your home, taking out more money than it’s worth • Subject to closing costs
401(k) loan	• No credit check needed • Interest rates are low • Borrowing from and paying interest to yourself rather than a lender or bank	• Some plans servicers don’t permit 401(k) loans • Payments are made with after-tax dollars, and you’re taxed again during retirement • If you default on the loan, the amount is subject to income tax and a 10% penalty • If you lose employment, you may have to repay the loan in its entirety within a few months
Debt management plan	• Comes at low or no cost • A credit counselor may be able to negotiate down fees and interest rates on your debts • Consolidates many types of debts into one monthly payment • Won’t affect credit score if you adhere to the plan	• Can only be used for unsecured debts • You’ll likely have to stop using or close your credit cards • Can take up to five years to complete, in which time you can’t take out credit

Pros

Cons

Personal loan for debt consolidation

• Fixed APR and monthly payments
• Potentially lower APR than what you’re currently paying

• APRs can run high for fair and bad credit borrowers
• Subject to fees, like loan origination fee and prepayment penalty
• Bad credit borrowers may not qualify at all

Balance transfer credit card

• Some cards have introductory 0% APR periods, which can last as long as 20 months
• Potentially lower APR than what you’re currently paying on your credit cards

• Variable APR
• Can only be used for consolidating credit card debt
• Intro offers reserved for borrowers with strong credit
• May be subject to a balance transfer fee of 3% to 5%

Home equity loans

• Fixed APR and monthly payments
• Interest rates are typically lower than with unsecured debt
• Can consolidate a large amount at once

• Only homeowners are eligible
• You run the risk of going into foreclosure if you fail to pay
• You could go underwater on your home, taking out more money than it’s worth
• Subject to closing costs

401(k) loan

• No credit check needed
• Interest rates are low
• Borrowing from and paying interest to yourself rather than a lender or bank

• Some plans servicers don’t permit 401(k) loans
• Payments are made with after-tax dollars, and you’re taxed again during retirement
• If you default on the loan, the amount is subject to income tax and a 10% penalty
• If you lose employment, you may have to repay the loan in its entirety within a few months

Debt management plan

• Comes at low or no cost
• A credit counselor may be able to negotiate down fees and interest rates on your debts
• Consolidates many types of debts into one monthly payment
• Won’t affect credit score if you adhere to the plan

• Can only be used for unsecured debts
• You’ll likely have to stop using or close your credit cards
• Can take up to five years to complete, in which time you can’t take out credit

Improvements	Repairs
Constructing a deck Building an extension Installing a new roof Putting in new wiring or plumbing Paving a driveway	Re-staining a deck Painting the house Clearing the gutters Fixing a leak Patching a driveway

Starting APR	Min. credit score	Loan terms	Loan amounts
5.20%	510	24-84 months	$7,500+
5.24%	Not specified	12-120 months	Not specified
5.29%	500	24-84 months	Not specified
4.29%	510	36-72 months	Not specified
6.47%	581	48-84 months	$7,500+
5.99%	None	24-96 months	$10,000-$100,000
5.44%	Not specified	Not specified	Not specified

Pros	Cons
Low maximum interest rate of 18.00% Long repayment terms, up to 180 months Small borrowing minimum of $250	Charges a $29 late fee Must be connected to the military to be eligible Unclear on some personal loan qualification requirements

User ratings	Best for…	APR range	Loan amounts	Time to funding
(1,526) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	Low credit scores	9.95% - 35.95%	$2,000 to $35,000	Next business day	See Offers
	Wide range of loan amounts	8.99% - 35.99%	$2,000 to $50,000	One to three business days	See Offers
(2) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	No origination fees	7.99% - 24.99%	$2,500 to $40,000	Next business day	See Offers
(0) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	Long loan terms	7.49% - 25.49% (with autopay)	$5,000 to $100,000	Same-day funding available	See Offers
(863) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	Small loans	18.00% - 35.99%	$1,500 to $20,000	Next business day	See Offers
	Large loan amounts	8.99% - 25.81% (with discounts)	$5,000 to $100,000	Same-day funding available	See Offers
	Flexible repayment terms	8.49% - 35.99% (with autopay)	$1,000 to $50,000	Next business day	See Offers
	Building credit	6.40% - 35.99%	$1,000 to $50,000	Next business day	See Offers

User ratings	Best for	Annual percentage rate (APR)	Minimum credit score	Loan amounts	Loan terms
	Quick funding timeline	8.99%-35.99%	600	$2,000 to $50,000	36 to 60 months
	Fair credit borrowers	7.99%-35.99%	660	$2,000 to $36,500	24 to 72 months
(0) User Ratings & Reviews Ratings and reviews are from real consumers who have used the lending partner’s services.	Longest loan terms	9.49%-25.49% (with autopay)	Not specified	$5,000 to $100,000	24 to 84 months
	Good credit borrowers	8.99%-25.81% (with autopay)	680	$5,000 to $100,000	24 to 84 months
	Secured personal loans	8.49%-35.99% (with autopay)	580	$1,000 to $50,000	24 to 84 months
	Poor credit borrowers	6.40%-35.99%	300	$1,000 to $50,000	36 and 60 months

Loan amounts	Minimum: $1,000 Maximum: Up to 100% cost of attendance
Variable APR	Starting at 5.62% with autopay discount
Fixed APR	Starting at 4.42% with autopay discount
Terms	5, 7, 10, 12, 15 years
Origination fee	None
Minimum credit score	650

Financial liability	Financial Liability	Ownership
Promissory note A promise to pay back the loan	Mortgage An agreement to give up the house if you don’t repay the loan	Title A legal concept, not a document Can only be transferred via deed

Max. amount	Starting at $25,000 (no published maximum)
Term length	Up to 60 months
Starting interest rate	7.50%
Min. credit score	Not disclosed
Min. time in business	2 years

Pros	Cons
Fully online experience Offers loans to applicants with bad credit scores Seven-day return policy Financing offer valid for 30 days	Loans limited to cars purchased through Carvana High delivery and shipping fees Can’t negotiate car prices

Pros	Cons
Faster approval	Cookie-cutter approval standards
Online status checks	Electronic communication delays
Electronic signings	Security and privacy risks
Less paperwork	Lack of in-person contact options

Loan amounts	$5,000 to $1,500,000
Starting interest rate	Factor rates from 1.10 to 1.40
Term length	Up to 15 months
Min. credit score	500
Min. time in business	Six months

What you want to know	Calculation step	The math	What the results mean
If my “front-end” DTI ratio is 28%, what monthly payment can I afford?	Multiply your monthly income by 28%	6,250 x 0.28 = $1,750	Your monthly mortgage payment, including taxes and insurance, shouldn't exceed $1,750.
If my “back-end” DTI ratio is 36%, what monthly payment can I afford?	Multiply your monthly income by 36%	6,250 x 0.36 = $2,250	Your total monthly debt, including your mortgage payment, shouldn't exceed $2,250.

A home equity loan is best if:	A HELOC is best if:
You want money in one lump sum	You want access to funds as needed
You want a fixed interest rate	You’re OK with a variable rate
You want a predictable monthly payment	You want to make payments only on the amount you use
You need all the money immediately	You want the flexibility to access funds, pay them off and reuse them

What’s the difference between open-end and closed-end credit?
An open-end credit transaction is one that allows you to continuously borrow money up to a predetermined limit. You only have to repay what you borrow.	A closed-end credit transaction is one that provides a lump sum of money upfront. Then, you’ll repay that lump sum in installments over a certain period of time.
Personal lines of credit, credit cards and HELOCs are examples of open-end credit.	Personal loans, auto loans and mortgages are examples of closed-end credit.

	Secured business loan	Unsecured business loan
Loan terms	Collateral can allow for longer repayment terms	Typically short term due to increased risk for the lender
Interest rate	Interest rates tend to be lower because of reduced lender risk	Interest rates tend to be higher for business loans without collateral
Credit score	Lenders may be more lenient on credit scores with the additional security of collateral	Lenders tend to have high credit score minimums without collateral

—————–

Balance transfer credit card	Intro balance transfer APR	Balance transfer fee	Savings
Discover it^® Balance Transfer	0% Intro APR for 18 months. Then a 17.24% - 28.24% Variable APR	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* = $180	$1,163
First Tech Choice Rewards World Mastercard®	N/A Then a 13.50 to 18.00% APR based on your credit worthiness APR applies.	$0	$1,222
Wells Fargo Reflect^® Card	0% intro APR for 21 months from account opening on qualifying balance transfers. Then a 18.24%, 24.74%, or 29.99% Variable APR applies	5%, min $5 = $300	$1,060
BankAmericard^® credit card	0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. Then a 16.24% - 26.24% Variable APR on balance transfers applies.	3% intro fee for 60 days, then 4%. = $180	$1,164
Bank of America^® Unlimited Cash Rewards credit card	0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. Then a 18.24% - 28.24% Variable APR on balance transfers applies.	3% for 60 days from account opening, then 4% = $180	$1,162
Navy Federal Platinum Credit Card	0.99% introductory APR for 12 months for balance transfers requested within 60 days of account opening. Then a 11.24% to 18.00% (variable) applies.	$0	$1,176
U.S. Bank Business Platinum Card	0% intro APR on balance transfers for 18 billing cycles. Then a 17.24% to 26.24% APR applies.	Either 3% of the amount of each transfer or $5 minimum, whichever is greater = $180	$1,163
BankAmericard® Credit Card for Students	0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days. Then a 16.24% - 26.24% Variable APR	3% intro fee for 60 days, then 4%. = $180	$1,180
Bank of America^® Travel Rewards credit card	0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. Then 18.24% - 28.24% Variable APR on balance transfers	3% for 60 days from account opening, then 4% = $180	$1,088

Loan amount	Variable rate standard	Variable rate maximum (with current 8.5% prime rate)
$50,000 or less	Base* + 6.5%	15%
$50,001 to $250,000	Base* + 6.0%	14.5%
$250,001 to $350,000	Base* + 4.5%	13%
Greater than $350,000	Base* + 3.0%	11.5%

Rank	Metro	Percent of People Aged 65 or Older in Job at Risk of Exposure	Number of People Aged 65 or Older in Job at Risk of Exposure	Percent of Remaining People Aged 65 Who Live With Someone in Job at Risk of Exposure	Number of Remaining People Aged 65 Who Live With Someone in Job at Risk of Exposure	Percent of People Aged 65 or Older Who Live an Institutional Setting	Number of People Aged 65 or Older Who Live an Institutional Setting
1	Hartford, Conn.	8.80%	17,458	4.70%	9,187	3.70%	7,371
2	Boston	8.70%	64,580	5.00%	37,660	2.90%	21,902
3	Philadelphia	8.80%	83,500	4.00%	38,054	3.30%	30,755
4	Minneapolis	9.20%	46,056	3.80%	18,936	3.00%	15,078
5	Cleveland	8.90%	32,585	3.70%	13,502	3.00%	10,960
6	Baltimore	8.50%	34,856	4.10%	16,741	2.70%	10,994
7	Cincinnati	8.00%	24,646	3.70%	11,398	3.50%	10,905
7	New York	8.60%	260,651	3.90%	118,425	2.70%	83,112
7	Providence, R.I.	8.10%	22,128	3.40%	9,204	3.70%	10,145
10	Pittsburgh	8.10%	35,631	3.60%	15,775	3.00%	13,160

Late payment fee	If you fall behind on payments, your lender may charge you a late fee. Typically, late fees can run between 3% to 5% of your overdue monthly payment amount.
Loan origination fee	The origination fee, if included, is typically equal to 1% to 12% of the total amount of the loan. It's a processing or administrative fee that is typically deducted upfront from the total amount you're borrowing.
Prepayment penalty fee	You could be charged a prepayment penalty for paying off your loan ahead of time. However, most lenders don’t charge this fee for personal loans.

Improvements	Repairs
Constructing a deck Building an extension Installing a new roof Putting in new wiring or plumbing Paving a driveway	Re-staining a deck Painting the house Clearing the gutters Fixing a leak Patching a driveway

	Land equity loans	Home equity loans
Collateral type	Land only	Home and land
Loan terms	Up to 15 years for a land equity line of credit Up to 20 years through a cash-out refinance Up to one year for construction loans	Up to 30 years
Equity needed	65% to 85% LTV or less	Up to 100% LTV
Types of lenders offering loans	Credit unions and niche lenders	National lenders