LendingTree Loan Review 2025

We’ve compared LendingTree with top business lending options, and now we’re breaking down what you need to know.
LendingTree
LendingTree Logo
LendingTree
  • pro
    Many lenders and types of loans
  • pro
    Positive customer reviews
  • con
    Unclear borrower requirements
  • con
    Slower lender funding times

Data effective 05/27/25. Offers and availability may vary by location and are subject to change. Terms and conditions apply. NMLS# 1136.

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Pros
pro Many lenders and types of loans
pro Positive customer reviews
pro Streamlined process - one form, many offers
Cons
con Lenders can have opaque requirements and loan options
con Slower lender funding times
con High revenue and time in business requirements for lenders

Unlike direct lenders, LendingTree operates as an online loan marketplace, which carries the benefit of connecting you with a broad network of potential financing partners, streamlining the process based on specific criteria. 

Over the years, LendingTree has improved its platform, offering greater transparency around lender qualifications and loan options. As a loan marketplace, not a direct lender, LendingTree doesn’t set the loan terms itself. Instead, interest rates, approval standards, and funding timelines depend on the individual lenders in their network. 

In this review, we’ll show you how LendingTree helps simplify loan shopping, what financing products you’ll find, and when it might be a smart move for your business.

LendingTree loan options and pricing

LendingTree business financing options

LendingTree’s job is to match you with the right lender from their network, and the best way to get personalized rates is by filling out their customized rate assessment. 

The chart below shows only LendingTree’s top provider in each loan category, giving you a snapshot of what’s possible, but actual rates and terms depend on your business needs and qualifications.

Product
Min./max loan amount
Lowest listed rate
Repayment term
Get funding
Business line of credit$50,000/$250,0003.00%6 - 60 months
Equipment financing$500/$5,000,0007.99%12 - 84 months
Working capital loans$150,000/$5,000,0007.49%6 - 84 months
Same-day funding$5,000/$250,00031.30%Up to 24 months
Financing large purchases$25,000/$500,0007.49%6 - 84 months
SBA loansUp to $5,000,00010.50%Up to 25 years
Startup business loansUp to $150,0004.66%12 - 24 weeks

Data effective 05/27/25. Offers and availability may vary by location and are subject to change. Terms and conditions apply. NMLS# 1136. Information found on www.lendingtree.com.

Business financing is just one area that LendingTree's lending partners cover. Lenders also offer:

  • Home refinance loans
  • Home mortgage loans
  • Personal loans
  • Home equity loans
  • Auto loan
  • Debt consolidation loans

That said, much of the information on the site is generalized across all loan types, making it hard to find specific details about business vs. consumer financing.

How LendingTree business loans work

LendingTree connects users to a network of over 300 lenders through a single form. However, it’s unclear how many of these lenders specifically offer business loans.

Once you complete their form, LendingTree will match you with up to five lenders who align with your financing needs. From there, you can compare offers and move forward with the lender that best fits your situation.

While some parts of the process and platform can feel vague, particularly regarding the number of active business-specific lenders, LendingTree does provide a curated list of top business loan providers for specific use cases, such as startup funding, equipment financing, and same-day funding options. 

Each featured lender includes pros and cons, qualification criteria, and a link to a more detailed review explaining why this is their recommendation.

One of the key benefits that LendingTree brings to the table is they simplify the loan comparison process for business owners. Instead of applying to each lender separately, you submit just one form and receive multiple loan offers tailored to your business needs, which can save you a lot of time and effort upfront. While it lacks some upfront clarity around business-specific partners, LendingTree's streamlined approach to shopping for financing is a valuable resource for saving time and money.

LendingTree minimum credit score

Here are the minimum credit scores for each loan type through LendingTree: 

Loan type
Minimum credit score
Get funding
Business term loans500
Business lines of credit600
Equipment financing550
Commercial loans650
SBA loans680
Microloans300
Working capital loans570

Data effective 05/27/25. Offers and availability may vary by location and are subject to change. Terms and conditions apply. NMLS# 1136. Information found on www.lendingtree.com.

Megaphone
Peer-to-peer loans

FYI, LendingTree does work with some peer-to-peer lenders, or lenders that connect potential borrowers with investors. You can find peer-to-peer lending companies that offer both personal loans and business loans.

LendingTree features

LendingTree has earned thousands of positive user reviews, and it’s easy to see why. The platform operates as a loan marketplace, meaning it doesn’t provide loans directly. Instead, LendingTree partners with a wide range of lenders, allowing borrowers to submit a single form and compare loan offers from multiple sources.

This marketplace model has become popular among small business owners and consumers. Platforms like Lendio and Fundera have a similar approach. By centralizing the loan shopping experience, marketplaces can help users explore competitive offers without the hassle of applying to each lender individually.

Next, we’ll examine how LendingTree stacks up against other loan marketplaces for businesses.

LendingTree vs. competitor lending marketplaces

Like most marketplaces, LendingTree has similar advantages (like the ability to shop around). Here's how it stacks up against other marketplaces.

LendingTree vs. other lending companies

Lender
Lending partners
Lowest listed rate
Unique loan options
Get a loan
300+ (not all small business lenders)3.00%Personal loans
25+10% interestMicroloans
75+VariableCommercial real estate loans

Data effective 05/27/25. At publishing time, pricing is current but subject to change. Offers may not be available in all areas. Terms and conditions apply. Information found on www.lendingtree.com.

While LendingTree states that they have over 300 lending partners, it does not specify the number of small business lenders from mortgage, car, personal, and other lenders, which can lead to a more noisy user journey compared to other platforms that focus exclusively on business lending. On the other hand, Lendio and Fundera only partner with business loan providers.  

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The LendingTree loan process

If you’re ready to explore business financing through LendingTree, here’s what to expect from the process.

You’ll start by providing basic information about your business, such as its name, location, annual revenue, and how long it’s been operating. You’ll also enter some personal details, including your credit score and contact information. It’s important to note that LendingTree’s initial form serves as a pre-qualification and matching service.

Based on that information, LendingTree will take one of two paths:

  • If you don’t qualify: You’ll receive a message explaining that no matches were found within LendingTree’s network, along with a reason, often related to revenue, credit, or time in business.
  • If you do qualify: LendingTree will match you with up to five potential lenders and present you with their offers.

At that point, you can either speak with a loan specialist who will help guide you through the options or review the matches on your own.

LendingTree’s initial form only takes a few minutes to complete. But because you’ll still need to apply with a matched lender to finalize a loan, funding can take a few days, similar to what you’d experience with other marketplaces like Lendio or Fundera.

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LendingTree customer reviews

LendingTree earns a 4.4 out of 5 from 15,000 reviews on Trustpilot1, but it is important to note again that the number includes consumer-facing products, not just business loans. 

Still, much of what these borrowers say probably applies to business loans, too. Positive reviews praise LendingTree’s fast, easy process. Speed and ease come up over and over again in reviews.

As for the negative reviews, they mostly complain about how many calls and emails they receive, especially after getting denied for a loan.

A few reviewers also complain that LendingTree was misleading about what type of loan or rate they could get.

Simply put, most people report a great experience with LendingTree. And while those people who didn't have valid complaints, we didn’t see anything suspicious enough to warn you away from LendingTree.

The takeaway

As a loan marketplace, LendingTree won’t give you a loan itself, but it will connect you with the best loan offers it can find. 

So, while LendingTree has positive customer reviews, and we’re reasonably confident you can have a good experience with its matchmaking, business owners that are seeking highly targeted and specialized financing might find a more streamlined and relevant experience by going with a business-specific lending marketplace instead.

Want to learn more about how LendingTree compares to other loan marketplaces? Read our comparison of Lendio vs. LendingTree.

Related reading

Methodology

We used LendingTree’s website, customer reviews, and other sources to get as much information as we could about LendingTree, its lending partners, and its loan options. We used that info to grade LendingTree on a bunch of different factors (like funding times and borrower requirements), and then we used those grades to guide our review and compare LendingTree to other lenders.

LendingTree FAQ

LendingTree is a loan marketplace, which means it works with a bunch of lenders to let you shop around for loan offers. LendingTree’s loan matchmaking service lets you apply for all kinds of loans, from student loans to auto loans to business loans.

Just remember that your loan won’t actually come through LendingTree but through one of its lender partners instead.

Yes, LendingTree is trustworthy. Thousands of customers report great experiences with LendingTree.

Is LendingTree a legitimate mortgage company?

LendingTree is a legitimate way to get a mortgage loan, but remember that LendingTree isn’t a mortgage lender itself. Instead, it matches you with one of its multiple lenders that offer home mortgage loans.

Does LendingTree hurt your credit?

Getting matched with loans through LendingTree shouldn’t affect your credit. If you decide to apply for one of your matches, though, your chosen lender may do a hard credit check. That hard check could potentially hurt your credit score in the short term.

Disclaimer

At Business.org, our research is meant to offer general product and service recommendations. We don't guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.

Sources

  1. Trustpilot, “LendingTree.” Accessed May 27, 2025.
Chloe Goodshore
Written by
Chloe covers business financing and loans for Business.org. She has worked with many small businesses over the past 10 years, from video game stores to law firms. Those years watching frustrated business owners try to sift through their many options gave her a passion for breaking down complex business topics. She wants to help business owners spend less time agonizing over their businesses so they can spend more time running them.
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