What real borrowers actually say.

Marisol R.

Teacher · Austin, Texas

Compared offers and beat her bank's APR

I needed about $14,000 to redo my kitchen and the rate my own credit union offered was higher than I expected. I filled in the LendingsTree form once and within a few minutes I had three real prequalified offers side by side. One of them was almost two percentage points lower than what my bank quoted. I went with that lender, closed in four business days, and the only thing that surprised me was how easy it was to actually compare side by side. I did get one phone call and a couple of emails from lenders I didn't pick, which is the trade-off — but for the savings it was worth it.

Verified review · 2026-02-19

Janelle T.

RN · Tampa, Florida

Consolidated three credit cards into one fixed payment

Between three credit cards I was paying about $740 a month in minimums and the APR on two of them was over 26%. I used the marketplace to compare consolidation offers and ended up with a 4-year fixed loan that cut my monthly outflow by roughly $230 and gave me an actual payoff date. The whole prequalify step did not touch my credit score. The hard inquiry came later when I formally accepted the lender's offer. Honest note: a couple of the lenders that pre-qualified me kept emailing for about a week after I picked one, but it died down.

Verified review · 2026-02-27

Devon K.

Small Business Owner · Columbus, Ohio

Compared business loan terms without calling six banks

I run a six-person print shop and needed working capital to take on a bigger contract. Calling banks one at a time was eating my week. Through LendingsTree I got three small-business offers in one sitting — a traditional term loan, a line of credit, and an SBA-style option — and could actually compare amount, APR, term and origination fee in the same view. I picked the line of credit. Worth noting: the offers were from real lenders with real underwriting, so two of them came back with smaller amounts than I requested. That is normal, just be ready for it.

Verified review · 2026-01-22

Priya S.

Homeowner · Raleigh, North Carolina

Got four refi offers and saved on closing costs

Rates dropped a bit and I wanted to see what a refi would look like without doing four separate applications. I got four prequalified offers and the spread between best and worst was about half a point on APR, plus roughly $1,800 difference in closing-cost estimates. I locked with the one that combined the lowest APR with no points and was funded in 27 days. The platform itself is a comparison tool — the lender does the actual underwriting, so I still had to send pay stubs, tax returns, the usual.

Verified review · 2026-04-27

Marcus B.

Engineer · Phoenix, Arizona

Refinanced his truck loan, cut interest by 3.4 points

My truck loan was at 9.1% from the dealer two years ago. My credit had improved so I figured I could do better. Through the marketplace I got two refinance offers — one credit union and one online lender — both well under what I was paying. Picked the credit union, dropped to 5.7%, saving about $42 a month and a lot more over the remaining term. The only catch: my original loan had a small prepayment thing that ate into the first month's savings. Nothing the marketplace could have known about, but worth checking yourself.

Verified review · 2026-03-22

Aisha M.

Freelance Designer · Atlanta, Georgia

Found a lender that worked with 1099 income

As a freelancer with variable income I was nervous about applying anywhere — one rejection feels like five. The soft-pull prequalify let me see who would actually consider self-employed income before I committed. Two of the five lenders I was matched with were fine with my situation, one wasn't, and the others wanted more documentation. I picked the one with the cleanest terms (no origination fee, fixed APR, 36-month term). Funded in two business days. Honestly more useful than rate-shopping one bank at a time.

Verified review · 2026-06-20