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.
We are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our editorial guidelines here.
Even if you still have an auto loan, you can still sell your car, though it does add a few extra steps. However, whether you should sell depends on a variety of factors including how much is left on your loan and how much you can sell your vehicle for.
4 steps on how to sell a car with a loan
To sell a car with a loan on it, you’ll need to determine what’s left on your loan and keep your lender in the loop. Whether you’re going to a private or commercial buyer, here’s a step-by-step guide on how to sell a financed car without paying it off.
To sell your vehicle at a reasonable price, you’ll need to determine your car’s value. You can do this by visiting industry guides such as Kelley Blue Book (KBB) and Edmunds. These resources will factor in the make, model, mileage and age of your car.
KBB and Edmunds can give you the estimate for a private party car sale as well as the trade-in value of your car. Generally, you’ll make more money if you sell your car privately.
You can also get estimates from used-car websites to compare. These include used-car buyers such as Carvana and CarMax. You’ll need to provide information such as the make and model of your car, its overall condition and your ZIP code.
2. Get the loan payoff amount
Next, you’ll need to contact your lender to determine the loan payoff amount. This is how much it will cost for you to officially own your car rather than the lender. This amount may be different from how much is left on your loan.
While not common, be sure to check if your lender charges a prepayment penalty. This is a fee some lenders require if you pay off your car loan early. Since lenders make money on interest over the life of the loan, a prepayment penalty can help recoup their losses.
3. Understand your car’s equity
The payoff amount and value of your car determine the equity in your car. To find your equity, take the payoff amount and subtract it from your car’s value. This can have two outcomes:
Positive equity is when your car is worth more than what you owe. If your vehicle is worth $20,000 and your loan balance is $15,000, then you have $5,000 worth of positive equity in your car.
Negative equity, also known as an upside-down car loan, is when your car is worth less than you owe. If your vehicle is worth $20,000 and your loan balance is $25,000, you’ll need an extra $5,000 to pay off your auto loan.
4. Discuss the sale with your lender
Before making any decisions, it’s a good idea to talk to your lender about selling your car. The lender can provide you insight as to any specific instructions or requirements you’ll need to meet. The lender could also inform you of any dealers it works with directly to sell your car.
How does car equity impact the sale of your vehicle?
Your car equity can make a difference as to how easy or difficult it could be to sell your car. While a car with positive equity can be simple to sell, negative equity may indicate that it’s not worth selling.
Selling a car with negative equity
If you do the math and find that you’re upside-down on your car loan, this could make it more challenging to sell your vehicle. This is because you’ll have to cover the difference between your car’s value and the loan payoff amount.
If you find yourself in this position, you have several options:
Cover the difference out of pocket. If you have flexibility in your budget, you can bridge the gap between your car’s value and loan balance and pay the difference. However, depending on how much you’ll owe, you may need to dip into your savings account.
Wait to sell. If you take a beat and make extra payments toward your car loan, you can eventually make your way toward positive equity. You can also refinance your car loan to help you build equity faster, just as long as you secure a lower interest rate than what you’re currently paying.
Sell your car privately. A private sale can earn you more money than trading it in. Those extra funds could cover your underwater car loan. You can do this by selling your car on Craigslist or other similar sites.
Roll the negative equity into your next car loan. You can do this by trading in your current vehicle and getting a new auto loan that includes your negative equity. This means you’ll start off upside-down on your car loan and your monthly payments may be higher.
Tip
If you need another car loan, check your credit score with a service like LendingTree Spring and get preapproved for an auto loan before you go to the dealership so the dealer won’t try to inflate your APR.
Selling a car with positive equity
In most cases, a car with positive equity is much easier to sell and pay off. You may even make a small profit off the sale of your car which you can put toward a new car.
Once you find a buyer, you’ll use the money to cover the loan payoff amount and transfer the car title to the new owner. If you decide to sell through a dealer, the dealer can help you with this. With a private sale, however, you’ll need to navigate this yourself.
Keep in mind, if you plan to sell your car privately, be sure to write a bill of sale to remove any liability on your end. This can come in handy if the new owner gets into an accident with the car as it shows you no longer own the vehicle and can’t be held legally responsible.
What to do when the bank wants the payoff before you sell your vehicle
If you want the lender to release the car title to the buyer, you’ll need to cover the full loan payoff amount. If you have positive equity, your lender will reimburse the difference. If you still owe money on the loan, you’ll need to pay the difference.
If the bank wants the payoff amount before you sell the car, explore these options:
Refinance your auto loan. If you can qualify for a lower rate, you can refinance your car. You can also apply for a longer loan term which can lower your monthly payments. This strategy could help you build equity faster.
Take out a personal loan. Using a personal loan to pay off a car may be a good idea if you have good credit and can qualify for low rates. Once you receive your loan funds, you can send them to your auto lender and receive your car title. However, because personal loans are typically unsecured, they may come with higher rates than your auto loan.
Use your savings. Instead of refinancing or taking out a new loan, you can cover the cost of your loan balance with your savings. While this could take a chunk out of your hard-earned funds, you can avoid paying interest and fees. This may be a good option, especially if you have bad credit.
Frequently asked questions
You can sell a car with a loan but you’ll need to give the full payoff amount to your lender before they’ll release the car title. You can do this with your funds after you complete the sale, or you can refinance your car loan or apply for a personal loan.
To sell or trade in a car, you’ll need the car title. If the car was financed by someone else, they will need to pay off the loan balance so the lender can transfer the title. Once you get the title, you can trade in the vehicle.
You can only transfer the title of a financed car if the entire loan is paid off. The lender — who possesses the car title — won’t release it until then. To transfer the car title, you’ll need to visit the Department of Motor Vehicles.
Selling a financed car to a private buyer or dealership likely won’t hurt your credit. However, if you have negative equity, you might need to refinance your auto loan or take out a personal loan to cover the difference between your car’s value and what’s left on your loan. That could make your credit score drop by a few points.
Get auto loan offers from up to 5 lenders in minutes
Advertising Disclosures
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.
As of 06-Dec-24, LendingTree Purchase Auto Loan consumers were seeing offer rates as low as 5.24% ( on a $79024.00 loan amount for a term of 48.00 months ). Here are some examples of offers consumers were receiving as of 06-Dec-24:
Loan Term (Months)
Loan Amount
Rate
APR
Estimated Monthly Payment
36
$10000.00
7.39%
7.39%
$310.56
$15000.00
7.39%
7.39%
$465.84
$20000.00
7.39%
7.39%
$621.11
$25000.00
6.94%
6.94%
$771.24
$30000.00
6.94%
6.94%
$925.49
48
$10000.00
7.44%
7.44%
$241.51
$15000.00
7.44%
7.44%
$362.26
$20000.00
7.44%
7.44%
$483.02
$25000.00
7.44%
7.44%
$603.77
$30000.00
7.44%
7.44%
$724.53
60
$10000.00
7.44%
7.44%
$200.09
$15000.00
7.44%
7.44%
$300.14
$20000.00
7.44%
7.44%
$400.19
$25000.00
7.44%
7.44%
$500.24
$30000.00
7.44%
7.44%
$600.28
72
$10000.00
7.44%
7.44%
$172.61
$15000.00
7.44%
7.44%
$258.92
$20000.00
7.44%
7.44%
$345.22
$25000.00
7.44%
7.44%
$431.53
$30000.00
7.44%
7.44%
$517.83
Disclosure Assumptions
Advertised rate based on actual offered rates to consumers over the past 30 days, using the same self-identified credit rating, appropriate loan-to-value for the vehicle, and where no such term, amount and/or offer was requested in a particular state the advertised rate is that of the lowest national rate offered using the same assumptions. Please note that your rate can be higher or lower than the advertised rate.
The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, license, taxes, fees, money down, trade-in, rebates, cash down amounts, the location and type of automobile as well as other factors as determined by Lenders.
Not available in all states.
Rates are subject to change daily without notice.
Payment amounts shown do not include taxes, licensing or fees.
Auto Legal Notice
California: For purposes of compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]. Married consumers may request separate credit. A married consumer may include a spouse’s income even when requesting for a separate account.
Maryland: We do not accept or solicit any fees or payments from you. When you submit a request to us and your inquiry is forwarded to one of our Finance Partners, you may be issued a Financing Agreement by a Finance Partner in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower; and (5) the term during which the Financing Agreement remains in effect.
Ohio: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Vermont: For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]
Wisconsin: No provision of a marital property agreement, a unilateral statement under Wis. Rev. Stat. § 766.59 or a court decree under Wis. Rev. Stat. § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
As of 06-Dec-24, LendingTree Refinance Auto Loan consumers were seeing offered rates as low as 5.14% ( on a $111000.00 loan amount for a term of 39.00 months ). Here are some examples of offers consumers were receiving as of 06-Dec-24:
Loan Term (Months)
Loan Amount
Rate
APR
Estimated Monthly Payment
36
$10000.00
5.75%
5.75%
$303.09
$15000.00
5.24%
5.24%
$455.00
$20000.00
5.50%
5.50%
$606.00
$25000.00
5.50%
5.50%
$758.00
$30000.00
5.24%
5.24%
$902.00
48
$10000.00
5.75%
5.75%
$233.71
$15000.00
6.34%
6.34%
$367.38
$20000.00
5.75%
5.75%
$467.41
$25000.00
5.75%
5.75%
$584.26
$30000.00
5.75%
5.75%
$701.12
60
$10000.00
5.49%
5.49%
$201.00
$15000.00
5.49%
5.49%
$296.69
$20000.00
5.49%
5.49%
$392.22
$25000.00
5.49%
5.49%
$487.85
$30000.00
5.49%
5.49%
$583.54
72
$10000.00
6.04%
6.04%
$174.72
$15000.00
6.04%
6.04%
$258.00
$20000.00
6.04%
6.04%
$341.03
$25000.00
6.04%
6.04%
$423.95
$30000.00
6.04%
6.04%
$497.75
Reducing your monthly car payments by refinancing? Keep in mind that if you choose to make your remaining loan term longer, the overall cost of your loan may be higher than without refinancing. If you decide to refinance with a LendingTree partner, you may be able to lower your monthly loan payment. However, if you choose a loan term that is longer than the term left on your existing auto loan, you will pay interest over a longer period of time, and the overall cost of your loan may be higher. Consult your financial advisor to see if refinancing your auto loan is right for you.
Disclosure Assumptions
Advertised rate based on actual offered rates to consumers over the past 30 days, using the same self-identified credit rating, appropriate loan-to-value for the vehicle, and where no such term, amount and/or offer was requested in a particular state the advertised rate is that of the lowest national rate offered using the same assumptions. Please note that your rate can be higher or lower than the advertised rate.
The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, license, taxes, fees, money down, trade-in, rebates, cash down amounts, the location and type of automobile as well as other factors as determined by Lenders.
The loan-to-value is <=80%.
Not available in all states.
Rates are subject to change daily without notice.
Payment amounts shown do not include taxes, licensing or fees.
Refinancing may not always result in lower overall interest and principal payments and it extends the life of the loan.
Auto Legal Notice
California: For purposes of compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]. Married consumers may request separate credit. A married consumer may include a spouse’s income even when requesting for a separate account.
Maryland: We do not accept or solicit any fees or payments from you. When you submit a request to us and your inquiry is forwarded to one of our Finance Partners, you may be issued a Financing Agreement by a Finance Partner in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower; and (5) the term during which the Financing Agreement remains in effect.
Ohio: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Vermont: For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]
Wisconsin: No provision of a marital property agreement, a unilateral statement under Wis. Rev. Stat. § 766.59 or a court decree under Wis. Rev. Stat. § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Loan amounts from 10000 up to 30000
Annual Percentage Rates (APR) – As Low As*
Loan Type
Up to 36 Months APR%
48 Months APR%
60 Months APR%
New Car
n/a%
n/a%
n/a%
Used Car
n/a%
n/a%
n/a%
Refinance
n/a%
n/a%
n/a%
*Assumptions
APR is the Annual Percentage Rate. Rates quoted assume excellent borrower credit history. Your actual individual APR may vary based on your state of residence, applicable discounts, credit history, specific terms of the loan selected, verification of information, your credit history, license, taxes, fees, money down, trade-in, rebates, cash down amounts, the location and type of automobile as well as other factors as determined by Lenders.
Advertised rate based on actual matched rates to consumers over the past 30 days, using the same self-identified credit rating, appropriate loan-to-value for the vehicle, and where no such term, amount and/or offer was requested in a particular state the advertised rate is that of the lowest national rate offered using the same assumptions. Please note that your rate can be higher or lower than the advertised rate.
Not available in all states.
Rates are subject to change daily without notice. Rates are calculated based on participating Network Lenders rates as of the date stated above being averaged.
The following additional disclosures apply:
Credit subject to approval by participating Network Lender.
A loan fee may be required.
Assumes auto is new or less than one year old.
Interest rates assume excellent borrower credit history.
Rates and payment amounts will vary by state, collateral type and loan to value ratio.
Rates and terms are subject to change without notice.
Example: A six year fixed-rate loan for a $25,000 new car, with 20% down, requires a $20,000 loan. Based on a simple interest rate of 3.4% and a loan fee of $200, this loan would have 72 monthly payments of $310.54 each and an annual percentage rate (APR) of 3.74%.
Auto Legal Notice
California: For purposes of compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]. Married consumers may request separate credit. A married consumer may include a spouse's income even when requesting for a separate account.
Maryland: We do not accept or solicit any fees or payments from you. When you submit a request to us and your inquiry is forwarded to one of our Finance Partners, you may be issued a Financing Agreement by a Finance Partner in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower; and (5) the term during which the Financing Agreement remains in effect.
Ohio: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Vermont: For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]
Wisconsin: No provision of a marital property agreement, a unilateral statement under Wis. Rev. Stat. § 766.59 or a court decree under Wis. Rev. Stat. § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Calculators are made available as tools for your use in researching and comparing products. 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. 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. When calculators are placed in LendingTree Widgets there are times when certain assumptions will be utilized, including, but not limited to the following:
Estimated annual property tax is 1.14%. Estimated annual homeowner’s insurance is $800. Annual homeowner’s association (HOA) dues are $0. Loan term is 30 years. This includes private mortgage insurance (PMI). These are examples only are not guaranteed amounts for any one location. Amounts are national averages from 2013 obtained from several sources. Estimated taxes and insurance amounts will adjust using the above assumptions when a new purchase/refinance/home estimated value is placed into the field and is not a guarantee of what actual amounts may be for any particular product or property.
Rental amount includes one year of rent (you place into the calculator) and rental insurance (based on the national average for 2013). Loan term is 30 years. Property tax assumption is 1% of the home value. Annual homeowner’s association (HOA) dues being set at $100. Maintenance of owning a home is assumed at 2% of home value. Personal tax rate of 33% is factored into the calculation(s). Calculator assumes home appreciation of 4% and a rent increase of 4% annually. The cost of selling a home is 8% of the sales price based on national average of repairs, staging, and Real Estate Agent commissions. The rate of return on investments after tax is assumed at 5% pursuant to 2013 statistics.
Mortgage Checkup and calculators are made available as tools for your use in researching and shopping for mortgage products and are not intended to be investment advice of any kind. LendingTree, LLC 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 circumstances. All tools and calculators are deemed examples and are for illustrative purposes only.
The calculator is for illustrative purposes only and uses an estimated rate, term, origination fee, mortgage insurance pre-payment, etc. from information gathered from the LendingTree Network. The calculator and a Reverse Mortgage Loan are not intended to be investment advice, or a recommendation by LendingTree as it cannot guarantee the accuracy of the results. Private mortgage insurance may be required and estimates of the same are used in the calculation, but the calculator does not include taxes and insurance, which are required to be paid during the duration of a Reverse Mortgage Loan. Rates vary by lender, by state, and on consumers LTV and personal financial situation. Terms and Conditions Apply and vary per lender, so ask each lender what costs, fees and terms are available for your personal financial situation.
The Reverse Mortgage calculator is an estimate only and not an offer of credit by any one Lender. Reverse Mortgage requires that one of the homeowners be at least 62 years of age; have a substantial amount of equity in your primary residence and you intend to remain in the home for the duration of the loan. Taxes and interest still have to be paid even while your mortgage payments may stop. Speak with a qualified Reverse Mortgage Counselor to discuss all of your options.
Mortgage rate quotes displayed on LendingTree LoanExplorerSM, including loan pricing data, rates and fees, are provided by third party data providers including, but not limited to, Mortech®, a registered trademark of Zillow®, LoanXEngine, a product of Mortgage Builder Software, Inc., and LoanTek, Inc.
LendingTreeAutos obtains listing information from auto dealers and other third parties directly so that you can shop multiple dealers. Prices listed and information provided about a particular vehicle and generally do NOT include sales tax, finance charges, title, license/tag, document fees, delivery charges, emission testing (where applicable) and fees, any or all of which may be added to the price to get the final sale price of a particular vehicle. LendingTree, LLC and LendingTreeAutos does not warrant or represent any information provided by Dealers and notes that you assume the risk of relying on the same as inaccuracies can occur which are outside of LendingTree’s control.
You are not required to accept the price listed and you can negotiate the price of the vehicle and/or the trade-in amount, money down, interest rate, etc. The final sale price and/or trade-in amount received elsewhere may be better than your final Offer.
LendingTree Advertisement Disclosure:
LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 1415 VANTAGE PARK DRIVE, SUITE 700, CHARLOTTE, NC 28203, TELEPHONE NUMBER 1-800-555-8733.
For a current list of applicable state licensing and disclosures, click Licenses and Disclosures or call for details.
LendingTree, LLC NMLS Unique Identifier #1136; AL Mortgage Brokers License #8694;
AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker License #0902469;
AR Mortgage Broker License #24441; CA Department of Financial Protection & Innovation, CA Financing Law License #6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate, NMLS ID #1136; CT Mortgage Broker License #4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; CT Small Loan Company License #SLC-1136; DE Broker License #010996; DC Mortgage Broker License #MLB1136; FL Mortgage Broker License #MBR1298; GA Mortgage Broker/Processor License/Registration #12989; HI Mortgage Loan Originator Company License #HI-1136; ID Mortgage Broker/Lender License #MBL-893; IL Residential Mortgage License #MB.0005433; IN-SOS Loan Broker License #1136; IA Mortgage Broker License #741; KS Mortgage Company License #MC.0002279; KY Mortgage Broker License #MB17994; LA Residential Mortgage Lending License #189; ME Loan Broker License #1136; MD Mortgage Lender License #4737; MA Mortgage Broker License #MB1136 – LendingTree arranges but does not make loans; MA Small Loan Company License #SL0533; MI 1st Mortgage Broker License #FL0016258, 2nd Mortgage Broker Registrant #SR0016259; MN Residential Mortgage Originator License #MN-MO-40127258; MS Mortgage Broker License #1136; MO Mortgage Company License #21-1261, NMLS #1136, 4509 Lemay Ferry Rd., St. Louis, MO 63129; MT Mortgage Broker License #1097; NE Mortgage Banker License #1517; NV Mortgage Company License #1698, NV Bus. ID NV20051235630, Las Vegas Bus. License #P50-02291; NH Mortgage Broker License #14208-MBR; NH Small Loan Lender License #23645-SM; NJ Residential Mortgage Broker License #0801779 – LendingTree does not make mortgage loans or commitments or fund any mortgage loans; NM Mortgage Loan Company License #00395; NM Small Loan Company License #2048; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 208974 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; ND Residential Mortgage Lender License #ML104625; ND Money Broker License #MB100817; OH Residential Mortgage Lending Act Certificate of Registration #RM.802159.000, 1210 Louden St. #2, Cincinnati, OH 45202; OK Mortgage Broker License #MB002490; OK Credit Services Organization License #CSO00394; OR Mortgage Lending License #ML-1862; OR Consumer Finance License #0420-001-C; PA Mortgage Broker License #20298; RI Loan Broker License #20062113LB; SC Mortgage Broker License #MB-0504600, SC Branch Location NMLS ID #234375; SD Foreign Corporation Entity #FL002607; SD Mortgage Brokerage License #1136.MB; TN Mortgage License #109266; TN Industrial Loan and Thrift Company Registration #166188; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 6300 Stonewood Dr, Ste. 406, Plano, TX 75024; UT DRE Mortgage Entity License #5489470-NMLC; VT Mortgage Broker License #0055 MB; VA Mortgage Broker License #MC-1052; WA Mortgage Broker License #MB-1136; WV Mortgage Broker License #MB-20020; WI Mortgage Broker License #2630BR; WY Mortgage Broker License #838. Licensing information last amended on 27-Feb-24.
Advertised Terms and Information
The information and disclosures above relate to advertised terms made by or through LendingTree.
Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.
LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.
You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.
At LendingTree, we are committed to providing accurate and actionable content that helps you make informed decisions about your money. Our team of writers and editors follows these key guidelines:
We thoroughly fact-check and review all content for accuracy. We aim to make corrections on any errors as soon as we are aware of them.
Our partners do not commission or endorse our content.
Our partners do not pay us to feature any specific product in our content, but we do feature some products and offers from companies that provide compensation to LendingTree. This may impact how and where offers appear on the site (such as the order).
We review and interview both external and internal reputable sources for our content and disclose sourcing in our content.
