Lending Tree Review [Is Lending Tree Legit? 2021]

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Lending Tree Review

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Lending Tree Review

Lending Tree Loans

There is a multitude of financial websites out there that you should bookmark on your computer, so you have them close at hand when you need them. If you haven’t saved Lending Tree in your browser yet, you should definitely do it as soon as you’re done reading this review. While Lending Tree is best known as a hub for finding a home, car, and other loans, it also has much more to offer. Beyond its loans, the site also offers other services, tools, and information that can help get you in the best financial shape possible. Let’s take a closer look at Lending Tree.

Lending Tree Logo

What is Lending Tree?

Lending Tree is an online lending marketplace, billed as the world’s largest online hub for bringing borrowers and lenders together. Founded initially as CreditSource USA in 1996, the company eventually was renamed Lending Tree as it went national a few years later.

Prospective borrowers who are looking for a loan to purchase or refinance a home, buy an automobile, take out a personal loan, or finance their business can use Lending Tree to shop for the loan they’re looking for.

A quick search on the website can help people shop, compare, and select the best loan available to meet their needs. It is important to note that Lending Tree itself is not a lender; it is a marketplace platform that brings lenders and borrowers together.

Services Offered

Since its humble beginnings in the mid-90s, the Lending Tree platform has since grown considerably, and now includes great financial tools for consumers interested in taking control of their finances.

The site offers support for debt management, credit cards, and other services.  You can use Lending Tree to find the best rates on insurance, or refinance your student loans, as well. You can even use Lending Tree to check your credit score or use its built-in calculator to determine your mortgage payment as well.

Beyond its flagship website, Lending Tree also has apps available in Google Play or the App Store, so you can access its resources on your laptop, phone, or other mobile devices. 

  • Debt management services
  • Credit cards
  • Insurance
  • Refinance student loans
  • Check your credit score
  • Calculate mortgage repayments
  • Loans

How Does Lending Tree Work?

Signing up for and using Lending Tree is simple. If you’re looking for a loan or other financial product, click on the broad category that you’re interested in. The site will give you a series of prompts to answer about yourself, the size and purpose of the loan or other financial instrument you are shopping for, and other data until Lending Tree has zoomed in on exactly what you’re looking for. Then, the site will provide several different loans or other product options for you to compare; Lending Tree also makes it really easy to reach out and contact the lender or other financial services provider as well.

Customer Service

Individuals who have questions about Lending Tree or its services can look for answers themselves on its intuitive website, which has a decent search function. Interested parties can also call the Lending Tree customer service number 1-800-813-4620 during the site’s hours of operation to talk to a customer service representative as well.

Lending Tree Reviews

Lending Tree has 4.4 stars on Trustpilot based on over 8000 reviews, which is considered excellent. 81 percent of reviewers rated Lending Tree’s services as excellent, while only 5 percent rated them as poor or bad. Reviewers who rated Lending Tree as excellent noted the site’s ease of use, good customer service, and overall responsiveness. Conversely, some reviewers rated Lending Tree as bad due to the number of phone calls and email spam they received after creating an account and providing their financial information on the site, or because of their inability to find a lender through the site.

Pros and Cons

Here are some of the key pros and cons for Lending Tree you should consider: 


  • Ease of Use. Using the website to shop for and compare loans and other financial products is as simple as it gets on Lending Tree’s site.
  • Customer Service. Users have been impressed with Lending Tree’s prompt responses to customer queries and believe the site’s support is excellent. 
  • Freebies. Lending Tree has great tools built into its website, such as a loan calculator and information on mortgage rates that don’t require any account or payment to use. 


  • Spam. Users have reported increased levels of telemarketer calls and spam emails from financial services after providing their personal information to the site. 
  • Not a Lender. Lending Tree is a market to bring lenders and borrowers together; you’ll still have to work with a bank to actually secure your loan.

Lending Tree Alternatives

There are other websites offering services comparable to Lending Tree; these sites include: 

Each one of these Lending Tree competitors has its own advantages and drawbacks; some, like LendingClub, operate on an entirely different model than Lending Tree’s system, while others offer more modest services. Ensure you do your own analysis to find the service that works best for you.

Parting Thoughts – Is Lending Tree Legit?

If you need a loan for personal or business use, Lending Tree can be a great tool for comparison shopping the best loan for your requirements. It is also loaded with powerful financial tools and timely, relevant information as well. So, bookmark the site, and start using it whenever you need to find a lender or require other critical financial information. 

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